Discount Ford F-150 insuranceWant to know an easy way to compare low-cost Ford F-150 insurance in Dallas? Online price comparisons for cheap F-150 insurance is challenging if you haven't ever compared insurance using quoting online. Don't let that stop you because finding lower prices for Ford F-150 insurance in Dallas is easier than you think.

Amazingly, a recent NerdWallet.com study showed that the vast majority of auto insurance customers kept their policy with the same company for well over three years, and approximately 38% of consumers have never compared rates with other companies. Dallas drivers could save approximately 70% every year just by comparing rates, but they just don't understand the amount of money they would save if they switched.

Consumers need to take a look at other company's rates before your policy renews due to the fact that insurance prices are variable and change quite frequently. Even if you got the best price on Ford F-150 insurance in Dallas at your last renewal a different company probably has better rate quotes today. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to one of the best ways to find better coverage on Ford F-150 insurance in Dallas at a better price.

Companies offering Ford F-150 insurance in Texas

The companies in the list below can provide price comparisons in Texas. In order to find cheap auto insurance in Texas, we suggest you compare several of them in order to get a fair rate comparison.

Ford F-150 Insurance Estimates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $198 $266 $358 $22 $108 $952 $79
F-150 STX Regular Cab 2WD $326 $486 $500 $30 $150 $1,492 $124
F-150 XL Super Cab 2WD $246 $502 $430 $26 $128 $1,332 $111
F-150 XLT Regular Cab 2WD $246 $476 $430 $26 $128 $1,306 $109
F-150 STX Super Cab 2WD $160 $272 $358 $22 $108 $920 $77
F-150 XL Crew Cab 2WD $272 $328 $500 $30 $150 $1,280 $107
F-150 XLT Super Cab 2WD $156 $252 $400 $24 $120 $952 $79
F-150 STX Regular Cab 4WD $140 $212 $358 $22 $108 $840 $70
F-150 XL Regular Cab 4WD $272 $328 $500 $30 $150 $1,280 $107
F-150 FX2 Super Cab 2WD $374 $486 $500 $30 $150 $1,540 $128
F-150 XLT Crew Cab 2WD $288 $468 $462 $28 $138 $1,384 $115
F-150 XL Super Cab 4WD $254 $420 $430 $26 $128 $1,258 $105
F-150 XLT Regular Cab 4WD $230 $372 $496 $30 $148 $1,276 $106
F-150 XL Crew Cab 4WD $302 $376 $392 $24 $118 $1,212 $101
F-150 STX Super Cab 4WD $200 $252 $388 $24 $116 $980 $82
F-150 XLT Super Cab 4WD $176 $252 $430 $26 $128 $1,012 $84
F-150 FX2 2WD $206 $312 $382 $22 $114 $1,036 $86
F-150 Lariat Super Cab 2WD $318 $610 $430 $26 $128 $1,512 $126
F-150 Lariat Crew Cab 2WD $356 $670 $496 $30 $148 $1,700 $142
F-150 FX4 Super Cab 4WD $232 $392 $430 $26 $128 $1,208 $101
F-150 XLT Crew Cab 4WD $300 $492 $514 $30 $154 $1,490 $124
F-150 FX4 4WD $286 $486 $430 $26 $128 $1,356 $113
F-150 Lariat Crew Cab 4WD $256 $412 $358 $22 $108 $1,156 $96
F-150 SVT Raptor Super Cab 4WD $186 $288 $392 $24 $118 $1,008 $84
F-150 Lariat Super Cab 4WD $356 $670 $496 $30 $148 $1,700 $142
F-150 Lariat Crew Cab Platinum 2WD $176 $360 $400 $24 $120 $1,080 $90
F-150 Lariat Crew Cab Harley 2WD $356 $788 $496 $30 $148 $1,818 $152
F-150 Lariat King Ranch 2WD $286 $572 $400 $24 $120 $1,402 $117
F-150 Lariat King Ranch 4WD $258 $462 $400 $24 $120 $1,264 $105
F-150 Lariat Crew Cab Harley 4WD $292 $462 $388 $24 $116 $1,282 $107
F-150 Lariat Crew Cab Platinum 4WD $260 $368 $500 $30 $150 $1,308 $109
Get Your Own Custom Quote Go

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price information does not factor in garaging location in Dallas which can affect premiums significantly.

Physical damage deductibles: Should you raise them?

The diagram below shows how choosing a deductible and can affect Ford F-150 insurance prices for each different age group. The premium estimates are based on a married female driver, full coverage, and no discounts are applied to the premium.

Gender-based auto insurance premiums

The example below illustrates the comparison of Ford F-150 auto insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, single marital status, and no policy discounts are applied.

Companies offer many discounts on Ford F-150 insurance in Dallas

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that many consumers don't even know exist. Most are applied when you get a quote, but a few must be specially asked for before you will receive the discount.

Consumers should know that most of the big mark downs will not be given to the whole policy. Some only reduce specific coverage prices like comprehensive or collision. So when the math indicates it's possible to get free car insurance, companies wouldn't make money that way.

A list of companies and a summarized list of policyholder discounts are outlined below.

Before buying, ask all the companies to apply every possible discount. Some of the discounts discussed earlier might not be offered on policies in every state. To find providers that offer some of these discounts in Texas, click this link.

What insurance coverages do I need?

When selecting your policy, there really is not a one size fits all plan. Every insured's situation is different.

For example, these questions may help highlight whether you might need an agent's assistance.

If you're not sure about those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Local Dallas insurance agents and car insurance

Certain consumers still like to buy from a licensed agent and that can be a smart move A good thing about comparing car insurance online is the fact that you can find lower premium rates but also keep your business local.

Find insurance agent in DallasAfter completing this quick form, your insurance coverage information is emailed to local insurance agents in Dallas who can give free rate quotes for your coverage. You won't need to contact an agency due to the fact that quote results will go to the email address you provide. You can get cheaper car insurance rates without a big time investment. If you have a need to compare rates from one company in particular, don't hesitate to navigate to their website and complete a quote there.

Finding the right company needs to be determined by more than just the quoted price. Before buying a policy in Dallas, get answers to these questions.

If you want a reliable insurance agent, it's important to understand the different types of agencies that differ in how they can insure your vehicles. Car insurance policy providers are considered either independent or exclusive.

Exclusive Car Insurance Agents

These type of agents can usually just insure with one company and examples are Allstate and State Farm. They generally cannot shop your coverage around so they really need to provide good service. Exclusive agents are highly trained on sales techniques which helps them compete with independent agents. Consumers frequently purchase coverage from exclusives primarily because of high brand loyalty instead of buying on price only.

The following is a short list of exclusive agencies in Dallas willing to provide price quotes.

More Dallas agents

Independent Car Insurance Agents

These type of agents do not work for one specific company and that gives them the ability to insure with any number of different companies and possibly get better coverage at lower prices. If premiums increase, they simply move your policy to a different company without you having to go to a different agency. If you need lower rates, we recommend you include rate quotes from independent agents for maximum quote selection. They often place coverage with smaller mutual companies that many times have cheaper rates.

Below is a short list of independent insurance agencies in Dallas willing to provide price quote information.

More Dallas agents

Insurance companies are expert advertisers

Well-known insurance companies like Progressive, Allstate and GEICO continually stream ads on television and other media. All the companies make an identical promise about how much you will save if you change your coverage to them. How is it possible that every company can save you money on Ford F-150 insurance in Dallas? It's all in the numbers.

All the different companies have specific characteristics for the type of customer that will generate a profit. A good example of a profitable customer may need to be between the ages of 30 and 45, has a clear driving record, and has great credit. Any customer who meets those qualifications will get very good Dallas car insurance rates and will also save money with a new company.

Potential insureds who don't qualify for these standards will have to pay higher premiums which usually ends up with the customer buying from someone else. The ad wording is "customers who switch" but not "everyone who gets a quote" save that much money. This is how companies can truthfully advertise the way they do. Because each company has a different risk profile, drivers should do a rate comparison at every renewal. It's not possible to predict which insurance companies will have the best rates at this point in time.

Cheap insurance premiums are possible

Drivers who switch companies do it for any number of reasons including delays in paying claims, delays in responding to claim requests, denial of a claim and not issuing a premium refund. It doesn't matter what your reason, switching companies is pretty simple and you could end up saving a buck or two.

We just presented a lot of techniques to reduce Ford F-150 insurance rates online in Dallas. The key concept to understand is the more quotes you get, the better likelihood of getting low cost Dallas car insurance quotes. You may even discover the lowest rates are with a small mutual company.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. In many cases, someone sacrificed liability limits or collision coverage and learned later that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at the best cost, but do not skimp to save money.

Even more information can be found in these articles: