If you want to save the most money, the best way to find better pricing on Ford F-150 insurance is to make a habit of regularly comparing prices from providers who can sell car insurance in Boston. You can compare rates by following these guidelines.
First, take a few minutes and learn about what is in your policy and the things you can control to prevent high rates. Many rating criteria that result in higher prices such as traffic citations and a substandard credit score can be improved by making lifestyle changes or driving safer.
Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like GEICO or Allstate, while independent agencies can provide rate quotes for many different companies.
Third, compare the new rates to your existing policy and see if you can save money. If you find a lower rate quote and make a switch, make sure there is no lapse in coverage.
One bit of advice is that you use the same amount of coverage on each quote and and to get prices from as many companies as possible. Doing this enables an accurate price comparison and maximum price selection.
Anyone knows that car insurance companies don’t want policyholders to compare prices from other companies. Consumers who shop rates annually are likely to switch companies because there is a significant possibility of finding a cheaper policy. A recent survey revealed that people who made a habit of comparing rates saved over $865 a year compared to people who never compared other company’s rates.
If finding low prices for insurance is your target objective, understanding how to find companies and compare cheaper coverage can make it easier for you to save money.
Getting a cheaper price on insurance is an easy way to save money. You just have to take time comparing price quotes online with multiple companies.
The following companies are ready to provide price quotes in Boston, MA. If you want the cheapest auto insurance in Boston, MA, we recommend you visit several of them to get the cheapest price.
Companies offer lots of discounts on Ford F-150 insurance in Boston
Insurance can cost an arm and a leg, but you may find discounts that could help you make your next renewal payment. Most are applied at the time of purchase, but a few must be inquired about prior to getting the savings.
- Good Student Discount – Being a good student can save 20 to 25%. The good student discount can last well after school through age 25.
- Discount for Swiching Early – A few insurance companies allow discounts for switching to them before your current coverage expires. You may see this discount when you get Boston car insurance quotes online.
- Auto/Home Discount – If you have multiple policies with one company you could get a discount of at least 10% off all policies.
- Employee of Federal Government – Active or former government employment can save as much as 8% with some insurance companies.
- Home Ownership Discount – Owning a home in Boston may trigger a policy discount on insurance because maintaining a house means you have a higher level of financial diligence.
- Defensive Driver – Passing a course that instructs on driving safety could earn you a small percentage discount and also improve your driving technique.
As a sidenote, many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
The illustration below shows the comparison of Ford F-150 premium costs with and without discounts applied to the premium. The information is based on a female driver, a clean driving record, no claims, Massachusetts state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, multi-car, multi-policy, and marriage discounts applied.
If you would like to choose from a list of insurance companies offering insurance discounts in Massachusetts, click here to view.
Ford F-150 coverage statistics
The coverage table shown below highlights different insurance coverage prices for Ford F-150 models. Being able to understand how insurance policy premiums are figured can be of help when making decisions when shopping your coverage around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$204||$278||$452||$26||$136||$1,096||$91|
|F-150 STX Regular Cab 2WD||$204||$354||$452||$26||$136||$1,172||$98|
|F-150 XL Super Cab 2WD||$204||$354||$452||$26||$136||$1,172||$98|
|F-150 XLT Regular Cab 2WD||$204||$354||$452||$26||$136||$1,172||$98|
|F-150 STX Super Cab 2WD||$204||$354||$452||$26||$136||$1,172||$98|
|F-150 XL Crew Cab 2WD||$234||$354||$452||$26||$136||$1,202||$100|
|F-150 XLT Super Cab 2WD||$234||$354||$452||$26||$136||$1,202||$100|
|F-150 STX Regular Cab 4WD||$234||$354||$452||$26||$136||$1,202||$100|
|F-150 XL Regular Cab 4WD||$234||$354||$452||$26||$136||$1,202||$100|
|F-150 FX2 Super Cab 2WD||$234||$354||$452||$26||$136||$1,202||$100|
|F-150 XLT Crew Cab 2WD||$234||$354||$452||$26||$136||$1,202||$100|
|F-150 XL Super Cab 4WD||$234||$354||$452||$26||$136||$1,202||$100|
|F-150 XLT Regular Cab 4WD||$234||$354||$452||$26||$136||$1,202||$100|
|F-150 XL Crew Cab 4WD||$264||$354||$452||$26||$136||$1,232||$103|
|F-150 STX Super Cab 4WD||$264||$354||$452||$26||$136||$1,232||$103|
|F-150 XLT Super Cab 4WD||$264||$354||$452||$26||$136||$1,232||$103|
|F-150 FX2 2WD||$264||$432||$452||$26||$136||$1,310||$109|
|F-150 Lariat Super Cab 2WD||$264||$432||$452||$26||$136||$1,310||$109|
|F-150 Lariat Crew Cab 2WD||$264||$432||$452||$26||$136||$1,310||$109|
|F-150 FX4 Super Cab 4WD||$264||$432||$452||$26||$136||$1,310||$109|
|F-150 XLT Crew Cab 4WD||$264||$432||$452||$26||$136||$1,310||$109|
|F-150 FX4 4WD||$264||$432||$452||$26||$136||$1,310||$109|
|F-150 Lariat Crew Cab 4WD||$264||$432||$452||$26||$136||$1,310||$109|
|F-150 SVT Raptor Super Cab 4WD||$264||$432||$452||$26||$136||$1,310||$109|
|F-150 Lariat Super Cab 4WD||$264||$432||$452||$26||$136||$1,310||$109|
|F-150 Lariat Crew Cab Platinum 2WD||$264||$508||$452||$26||$136||$1,386||$116|
|F-150 Lariat Crew Cab Harley 2WD||$264||$508||$452||$26||$136||$1,386||$116|
|F-150 Lariat King Ranch 2WD||$264||$508||$452||$26||$136||$1,386||$116|
|F-150 Lariat King Ranch 4WD||$294||$508||$452||$26||$136||$1,416||$118|
|F-150 Lariat Crew Cab Harley 4WD||$294||$508||$452||$26||$136||$1,416||$118|
|F-150 Lariat Crew Cab Platinum 4WD||$294||$508||$452||$26||$136||$1,416||$118|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price information does not factor in specific Boston garaging location which can increase or decrease rates significantly.
Liability only or full coverage
The chart below shows the comparison of Ford F-150 yearly insurance costs with liability coverage only compared to full coverage. The price estimates are based on a clean driving record, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are applied.
When to switch to liability coverage only
There is no specific rule that is best for determining when to drop full coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Ford F-150 replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after the deductible is paid. If you are paying in excess of $300 annually for your policy with full coverage, then you might want to consider buying only liability coverage.
There are a few situations where buying only liability insurance is not in your best interest. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not remove full coverage.
Independent or exclusive car insurance agents
A small number of people would prefer to sit down and talk to an agent and that can be a smart move Licensed agents can help determine the best coverages and will help you if you have claims. One of the best bonuses of comparing rates online is you can get better rates and still have a local agent. And providing support for neighborhood agents is important particularly in Boston.
By using this short form, the coverage information is immediately sent to insurance agents in Boston who will give you bids for your business. It’s much easier because you don’t need to find an agent because quoted prices will be sent to the email address you provide. If you wish to quote rates from a particular provider, you can always navigate to their website and fill out their quote form.
Types of car insurance agents in Boston
If you would like to find an insurance agent, it’s important to understand the types of agencies and how they are distinctly different. Boston agents are categorized either independent or exclusive. Both write policy coverage, but it’s good to learn the differences because it can impact which type of agent you select.
Independent Car Insurance Agencies
Agents of this type do not write with just one company so they can quote policies with an assortment of companies and find the cheapest rate. If you are not satisfied with one company, an independent agent can move your coverage and you don’t have to switch agencies. When comparing car insurance rates, you definitely need to include rate quotes from several independent agencies so that you can do a thorough price comparison. A lot of them also have access to companies that do not advertise much which could offer lower prices.
Featured below is a short list of independent agents in Boston who may be able to give you rate quotes.
- K D Hicks Insurance
4 Copley Pl #120 – Boston, MA 02116 – (617) 442-1300 – View Map
- Knapp Schenck Insurance Services
1 India St #204 – Boston, MA 02109 – (617) 742-3366 – View Map
- Cavanaugh Insurance Agency
75 Boston-Providence Turnpike – Norwood, MA 02062 – (781) 762-3400 – View Map
Exclusive Insurance Agents
These agents can only quote rates from one company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide other company’s prices so they really need to provide good service. Exclusive agents are well trained on the products they sell which helps offset the inability to provide other markets. Consumers sometimes buy insurance from these agents partially due to the brand legacy rather than having the cheapest rates.
Below are exclusive insurance agents in Boston that can give you comparison quotes.
- Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
- AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
Picking an car insurance agent requires you to look at more than just the bottom line cost. Any agent in Boston should be forthright in answering these questions:
- How many years have they been established?
- Can they give you a list of client referrals?
- Has the agent ever had any license suspensions?
- Do they specialize in personal lines coverage in Boston?
- What company do they have the most business with?
- Will you work with the agent or an assistant?
- If you raise deductibles, how much can you save?
- Does the agent have professional designations like CIC, CPCU or AIC?
Everyone needs different car insurance coverages
When selecting the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.
For example, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.
- What is the ISO rating for a Ford F-150?
- Does low annual mileage earn a discount?
- Do I get a pro-rated refund if I cancel my policy early?
- I have health insurance so do I need medical payments coverage?
- Will my rates increase for filing one claim?
- Should I get collision insurance on every vehicle?
- If my pet gets injured in an accident are they covered?
- When does my teenage driver need to be added to my policy?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.
Components of Your Ford F-150 Insurance Prices
Lots of things are part of the equation when premium rates are determined. A few of the factors are predictable like a motor vehicle report, but others are not quite as obvious such as your credit history or how financially stable you are. The best way to find cheaper car insurance is to take a look at some of the factors that go into determining your policy premiums. If you know what determines premiums, this empowers consumers to make smart changes that will entitle you to big savings.
Is your vehicle theft-ready? – Buying a car with anti-theft technology or alarm system can save you some money. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft.
The type of car you drive affects your costs – The performance level of the vehicle you are trying to find cheaper insurance for makes a huge difference in the rate you pay. The cheapest insurance rates will normally be found when insuring economy passenger vehicles, but the final cost of insurance is determined by many other factors.
The following chart uses these variables: married male driver age 30, full coverage with $100 deductibles, and no discounts or violations. The chart compares Ford F-150 policy rates compared to other vehicles that have different performance risks.
Pleasure use or commuting – Driving a lot of miles in a year the more you’ll pay to insure it. Most insurance companies calculate prices based on their usage. Cars that have low annual miles receive better premium rates compared to those used for work or business. Incorrect rating for your F-150 may be wasting your money. It’s always a good idea to double check that your car insurance policy correctly shows the proper vehicle usage, because it can save money.
Discounts for married drivers – Getting married may cut your premiums on car insurance. Having a significant other translates into being more responsible and it’s statistically proven that married drivers tend to file fewer claims.
Older drivers pay less – Young drivers in Massachusetts are known to be less responsible in a vehicle and because of this, their car insurance rates are much higher. Adding a inexperienced driver to your car insurance policy can increase premiums substantially. More mature drivers are more responsible, tend to cause fewer accidents, and get fewer tickets.
The chart below uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.
Adjust comp and collision deductibles and save – Coverage for physical damage, also known as collision and other-than-collision, covers damage that occurs to your Ford. Some examples of covered claims could be a broken windshield, damage from fire, and having your car stolen. Your deductibles tell how much you are required to spend if a covered claim is submitted. The larger the amount the insured has to pay upfront, the bigger discount you will receive.
Job stress can make you pay more – Careers such as fire fighters, executives, and accountants generally have higher rates than the rest of us in part from intense work requirements and lots of time spent away from family. Other careers such as actors, students and retirees have lower than average premiums.
Loss probability for a Ford F-150 – Car insurance companies use past loss statistics for each vehicle to help set a rate to offset losses. Vehicles that have higher prevalence or dollar amount of losses will cost more for specific coverages. The table below illustrates the compiled insurance loss statistics for Ford F-150 vehicles.
For each type of coverage, the statistical loss for all vehicles, regardless of make or model, is a value of 100. Numbers shown that are under 100 imply a favorable loss record, while numbers that are greater than 100 show a trend for more claims or an increased chance of larger losses than average.
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Ford F-150 SuperCab 4WD||67||110||39|
|Ford F-150 SuperCrew 2WD||42||93||72|
|Ford F-150 SuperCrew 4WD||75||76||101||56||57||76|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Buying the right vehicle insurance in Massachusetts is an important decision
Despite the high cost of buying insurance for a Ford F-150 in Boston, paying for car insurance is most likely required but also gives you several important benefits.
- Most states have compulsory liability insurance requirements which means you are required to buy specific limits of liability in order to be legal. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your vehicle has a lienholder, it’s guaranteed your bank will stipulate that you have comprehensive coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Ford at a more expensive rate and require you to fork over much more than you were paying before.
- Insurance safeguards both your vehicle and your assets. It will also pay for medical transport and hospital expenses incurred in an accident. As part of your policy, liability insurance also covers legal expenses in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of buying enough insurance are definitely more than the cost, especially with large liability claims. Today the average American driver is overpaying over $820 a year so it’s important to compare rates at least once a year to ensure rates are inline.
Shop around and save
The cheapest Ford F-150 insurance in Boston can be found online as well as from insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers don’t offer online rate quotes and these regional carriers prefer to sell through local independent agents.
As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. The goal is to buy the best coverage you can find at the best cost while not skimping on critical coverages.
People who switch companies do it for many reasons like lack of trust in their agent, an unsatisfactory settlement offer, policy cancellation or policy non-renewal. Regardless of your reason for switching companies, choosing a new company can be pretty painless.
Helpful learning opportunities
- Medical Payments Coverage (Liberty Mutual)
- Who Has Cheap Boston Auto Insurance for 16 Year Olds? (FAQ)
- Who Has the Cheapest Boston Auto Insurance Quotes for a Ford Fusion? (FAQ)
- How Much are Auto Insurance Quotes for Drivers Over Age 70 in Boston? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)