It’s easy to assume that car insurance companies want to keep your business as long as possible. Insureds who shop around once a year will most likely move their business because there is a high probability of finding a cheaper policy. Remarkably, a study showed that consumers who routinely compared rates saved about $70 a month compared to drivers who don’t regularly compare prices.
If finding the cheapest price for car insurance is why you’re reading this, then knowing how to choose a company and compare insurance can save time and make the process easier.
The most effective way to get cheaper Ford F-150 insurance in Dallas is to compare prices once a year from insurance carriers who provide car insurance in Texas. You can shop around by following these guidelines.
Step 1: Learn about how car insurance works and the things you can control to keep rates in check. Many things that increase rates like speeding tickets, careless driving and an imperfect credit score can be remedied by paying attention to minor details. Later in this article we will cover ideas to help keep rates affordable and earn a bigger discount.
Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while independent agents can provide price quotes from multiple sources.
Step 3: Compare the new rate quotes to your existing coverage to determine if you can save on F-150 insurance. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.
The most important part of shopping around is to try to use identical limits and deductibles on each quote request and and to analyze as many auto insurance providers as possible. This provides a level playing field and maximum price selection.
If you have auto insurance now, you will surely be able to get lower rates using the concepts you’re about to learn. Finding and buying the lowest-priced auto insurance in Dallas is easy to do. But Texas consumers must comprehend how insurance companies calculate your auto insurance rates and use it to your advantage.
Companies offering Ford F-150 insurance in Texas
The companies in the list below offer free rate quotes in Dallas, TX. If several companies are displayed, it’s highly recommended you visit two to three different companies to get a more complete price comparison.
Analysis of Ford F-150 rates
The rate table displayed below covers estimates of coverage prices for Ford F-150 models. Being able to understand how insurance prices are figured can aid in making decisions on the best policy coverages.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$246||$392||$430||$26||$128||$1,222||$102|
|F-150 STX Regular Cab 2WD||$246||$502||$430||$26||$128||$1,332||$111|
|F-150 XL Super Cab 2WD||$246||$502||$430||$26||$128||$1,332||$111|
|F-150 XLT Regular Cab 2WD||$246||$502||$430||$26||$128||$1,332||$111|
|F-150 STX Super Cab 2WD||$246||$502||$430||$26||$128||$1,332||$111|
|F-150 XL Crew Cab 2WD||$282||$502||$430||$26||$128||$1,368||$114|
|F-150 XLT Super Cab 2WD||$282||$502||$430||$26||$128||$1,368||$114|
|F-150 STX Regular Cab 4WD||$282||$502||$430||$26||$128||$1,368||$114|
|F-150 XL Regular Cab 4WD||$282||$502||$430||$26||$128||$1,368||$114|
|F-150 FX2 Super Cab 2WD||$282||$502||$430||$26||$128||$1,368||$114|
|F-150 XLT Crew Cab 2WD||$282||$502||$430||$26||$128||$1,368||$114|
|F-150 XL Super Cab 4WD||$282||$502||$430||$26||$128||$1,368||$114|
|F-150 XLT Regular Cab 4WD||$282||$502||$430||$26||$128||$1,368||$114|
|F-150 XL Crew Cab 4WD||$318||$502||$430||$26||$128||$1,404||$117|
|F-150 STX Super Cab 4WD||$318||$502||$430||$26||$128||$1,404||$117|
|F-150 XLT Super Cab 4WD||$318||$502||$430||$26||$128||$1,404||$117|
|F-150 FX2 2WD||$318||$610||$430||$26||$128||$1,512||$126|
|F-150 Lariat Super Cab 2WD||$318||$610||$430||$26||$128||$1,512||$126|
|F-150 Lariat Crew Cab 2WD||$318||$610||$430||$26||$128||$1,512||$126|
|F-150 FX4 Super Cab 4WD||$318||$610||$430||$26||$128||$1,512||$126|
|F-150 XLT Crew Cab 4WD||$318||$610||$430||$26||$128||$1,512||$126|
|F-150 FX4 4WD||$318||$610||$430||$26||$128||$1,512||$126|
|F-150 Lariat Crew Cab 4WD||$318||$610||$430||$26||$128||$1,512||$126|
|F-150 SVT Raptor Super Cab 4WD||$318||$610||$430||$26||$128||$1,512||$126|
|F-150 Lariat Super Cab 4WD||$318||$610||$430||$26||$128||$1,512||$126|
|F-150 Lariat Crew Cab Platinum 2WD||$318||$718||$430||$26||$128||$1,620||$135|
|F-150 Lariat Crew Cab Harley 2WD||$318||$718||$430||$26||$128||$1,620||$135|
|F-150 Lariat King Ranch 2WD||$318||$718||$430||$26||$128||$1,620||$135|
|F-150 Lariat King Ranch 4WD||$354||$718||$430||$26||$128||$1,656||$138|
|F-150 Lariat Crew Cab Harley 4WD||$354||$718||$430||$26||$128||$1,656||$138|
|F-150 Lariat Crew Cab Platinum 4WD||$354||$718||$430||$26||$128||$1,656||$138|
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price information does not factor in your specific Dallas location which can impact price quotes significantly.
The illustration below illustrates how choosing a deductible and can influence Ford F-150 insurance prices for each different age category. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
Drive responsibly or pay higher rates
The information below demonstrates how citations and at-fault accidents drive up Ford F-150 yearly insurance costs for each different age category. The premium estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
Ford F-150 liability-only versus full coverage
The chart below visualizes the comparison of Ford F-150 auto insurance costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are single, and no policy discounts are applied.
When to stop buying physical damage coverage
There is no clear-cut rule to delete physical damage insurance, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s say your Ford F-150 claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $3,000 after paying your policy deductible. If premiums are more than $300 annually for your policy with full coverage, then it could be time to drop full coverage.
There are a few situations where dropping physical damage coverage is not a good idea. If you haven’t paid off your loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
Buy Cheaper Auto Insurance with These Tips
Consumers need to have an understanding of a few of the rating criteria that help calculate your policy premiums. If you know what influences your rates, this helps enable you to make changes that can help you get better auto insurance rates.
Too many insurance claims and you’ll pay more – Insurance companies in Texas give the lowest premiums to insureds who do not rely on their insurance for small claims. If you file a lot of claims you can look forward to higher rates. Your insurance policy is designed for larger claims.
Add-on coverages can add up – Insurance policies have a lot of additional extra coverages that sound like a good idea at the time if you aren’t careful. Coverages like vanishing deductibles, towing, and additional equipment coverage could be just wasting money. The coverages may be enticing when discussing your needs, but your needs may have changed so remove them from your policy.
Low physical damage deductibles can be expensive – Comprehensive and collision coverage deductibles state the amount of money you are required to spend if you file a covered claim. Protection for physical damage, aka comp and collision, covers damage that occurs to your car. Examples of covered claims are a windshield broken by a bird, animal collisions, and damage from wind. The higher the amount you’re willing to pay, the better rate you will receive.
Optional features can affect auto insurance rates – Choosing to buy a car with advanced anti-theft systems can save you some money. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder vehicle theft.
Your stress level may be raising your premiums – Did you know your job can affect your rates? Careers such as judges, executives, and medical professionals have the highest rates due to job stress and lots of time spent away from family. On the flip side, careers like professors, students and homemakers get better rates.
Getting married pays dividends – Getting married can actually save you money when shopping for auto insurance. Having a spouse generally demonstrates drivers are more mature and statistics show married drivers tend to file fewer claims.
Does insurance cost less for women? – The statistics show women tend to be less risk to insure than men. This data doesn’t prove that females are better at driving than males. They both are in at-fault accidents in similar percentages, but males tend to have more serious accidents. Men also get ticketed for serious violations like driving under the influence (DUI).
The diagram below visualizes the comparison of Ford F-150 auto insurance costs for male and female drivers. The premiums are based on no tickets, no at-fault accidents, full physical damage coverage, $250 deductibles, single status, and no discounts are applied.
Annual mileage impacts prices – Driving more miles every year the more you will pay for auto insurance. Most insurance companies charge rates based upon how you use the vehicle. Vehicles used primarily for pleasure use receive better premium rates than vehicles that are driven to work every day. An improperly rated F-150 may be costing you. It’s always a good idea to double check that your auto insurance policy is rated on the right rating data, because it can save money.
Ford F-150 claim data – Companies factor in historical loss data when they calculate premium prices for each model. Vehicles that the statistics show to have increased losses will have higher rates for specific coverages. The table below shows the loss history for Ford F-150 vehicles.
For each coverage category, the statistical loss for all vehicles, as an average, is considered to be 100. Numbers below 100 indicate a favorable loss history, while values that are above 100 point to more claims or statistically larger losses.
|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
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Car insurance policy discounts you can’t miss
Car insurance is neither fun to buy or cheap, but there’s a good chance there are discounts that you may not know about. Certain reductions will be credited when you purchase, but some must be inquired about before you will receive the discount.
- Discount for Low Mileage – Low annual miles could be rewarded with lower rates due to less chance of an accident.
- Renewal Discounts – A few larger companies offer discounts for buying a new policy early. Ten percent is about the average savings.
- Active Military Service – Being deployed in the military could trigger a small discount.
- Discount for New Cars – Insuring a new F-150 can cost up to 25% less because new vehicles keep occupants safer.
- Membership in Organizations – Being a member of certain professional organizations is a simple method to lower premiums on your policy.
- Data Collection Discounts – Insureds that choose to allow driving data collection to track driving patterns by using a telematic data system such as Progressive’s Snapshot could save a few bucks as long as they are good drivers.
- Own a Home and Save – Owning a home in Dallas can get you a discount since owning and maintaining a home requires a higher level of personal finance.
- Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you could save up to 20% off your total F-150 insurance premium.
It’s important to note that most of the big mark downs will not be given the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, that’s just not realistic. Any amount of discount should definitely cut your policy cost.
The chart below shows the comparison of Ford F-150 auto insurance costs with and without policy discounts. The prices are based on a female driver, no violations or claims, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, claim-free, safe-driver, homeowner, and marriage discounts applied.
A list of companies and some of their more popular discounts are shown below.
- American Family offers discounts for mySafetyValet, TimeAway discount, good student, multi-vehicle, accident-free, bundled insurance, and good driver.
- State Farm discounts include driver’s education, student away at school, Steer Clear safe driver discount, passive restraint, accident-free, and defensive driving training.
- 21st Century offers premium reductions for teen driver, air bags, 55 and older, automatic seat belts, and homeowners.
- Travelers may include discounts for home ownership, driver training, multi-car, early quote, payment discounts, and hybrid/electric vehicle.
- GEICO offers discounts including driver training, emergency military deployment, seat belt use, anti-theft, defensive driver, and anti-lock brakes.
Before buying, ask each company which discounts they offer. Some of the earlier mentioned discounts might not apply in every state. If you would like to choose from a list of car insurance companies with the best Ford F-150 insurance discounts in Texas, follow this link.
Compare prices but still have a neighborhood Dallas auto insurance agent
A lot of people still like to talk to a local agent and often times that is recommended A nice benefit of comparing insurance prices online is the fact that drivers can get the lowest rates and still choose a local agent.
To find an agent, once you fill out this form (opens in new window), your information is submitted to local insurance agents in Dallas who will give you bids to get your business. You won’t need to contact any insurance agencies because prices are sent instantly to you. You’ll get the best rates and an insurance agent to talk to. In the event you want to get a price quote from a specific company, just jump over to their website to submit a rate quote request.
Deciding on an insurance company needs to be determined by more than just a cheap price quote. These questions are important to ask:
- Do they offer claims assistance after hours?
- Do you need full coverage on every vehicle?
- Do they specialize in personal lines auto insurance in Dallas?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do you work with a CSR or direct with the agent?
- Does their agency support local causes in Dallas?
- Does the quote include credit and driving reports?
- Which members of your family are coverage by the policy?
When looking for a good insurance agency, you need to know there are two types of agencies and how they are distinctly different. Agencies in Dallas are categorized either exclusive or independent (non-exclusive).
Exclusive insurance agents can usually just insure with one company and examples are American Family, State Farm, and Allstate. They generally cannot shop your coverage around so they really need to provide good service. They are well trained on their company’s products which helps them compete with independent agents. Many people buy from exclusive agents primarily because of the brand legacy and the convenience of having a single billing for all their coverages.
Below are exclusive agencies in Dallas that can give you comparison quotes.
- State Farm: Brent Cooper
5232 Forest Ln #111 – Dallas, TX 75244 – (214) 987-1995 – View Map
- Steve Barnes – State Farm Insurance Agent
4403 N Central Expy, Ste 100 – Dallas, TX 75205 – (214) 515-9900 – View Map
- Marybel Castilleja – State Farm Insurance Agent
4444 W Jefferson Blvd Ste 620 – Dallas, TX 75211 – (214) 331-7680 – View Map
Independent Agencies or Brokers
Agents that choose to be independent are not employed by one company so as a result can place your coverage through many different auto insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, an independent agent can move your coverage which is easy for the insured. When comparison shopping, you absolutely need to get some free quotes from a couple of independent agencies to maximize your price options. They also have the ability to place coverage with smaller companies who may have lower rates.
Listed below are independent agents in Dallas that are able to give price quote information.
- Associations Insurance Agency, Inc.
5401 N Central Expy Suite 200 – Dallas, TX 75205 – (866) 384-8579 – View Map
- Insurance One
14180 Dallas Pkwy #900 – Dallas, TX 75254 – (972) 267-8000 – View Map
- Oak Lawn Insurance
5200 Lemmon Ave #105, Dallas, TX 75209, USA – TX 75209, TX USA – (214) 521-2212 – View Map
You may need specialized auto insurance coverage
When choosing a policy, there really is not a perfect coverage plan. Your situation is unique and your policy should reflect that.
Here are some questions about coverages that may help highlight whether your personal situation would benefit from an agent’s advice.
- Are all vehicle passengers covered by medical payments coverage?
- I have good health insurance, so how much medical payments coverage do I need?
- Does insurance cover damages from a DUI accident?
- Should I file a claim if it’s only slightly more than my deductible?
- I have a DUI can I still get coverage?
- Does my policy pay for OEM or aftermarket parts?
- Can my babysitter drive my car?
- Is my trailer covered?
- Why am I required to buy liability insurance?
- Do I need PIP coverage since I have good health insurance?
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.
Get the best coverage at the lowest price
As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. There have been many situations where an accident victim reduced comprehensive coverage or liability limits only to discover later that they should have had better coverage. Your aim should be to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.
Some insurance companies may not offer the ability to get quotes online and these smaller companies provide coverage only through local independent agents. More affordable auto insurance in Dallas is possible online as well as from insurance agents, and you should be comparing both so you have a total pricing picture.
Additional information is located at the links below
- Bodily Injury Coverage (Liberty Mutual)
- What Car Insurance is Cheapest for a Ford Focus in Dallas? (FAQ)
- Insuring a Leased Car (Insurance Information Institute)
- Comprehensive Coverage (Liberty Mutual)
- Credit Impacts Car Insurance Rates (State Farm)