Wish you could get out of an expensive auto insurance policy? Trust us, you are not the only one feeling buyer's remorse.
A recent survey discovered that nearly 70% of customers have purchased from the same company for a minimum of four years, and approximately 38% of consumers have never even compared rates from other companies. Texas consumers could save $1,766 a year by just comparing rate quotes, but they just feel it's too hard to compare rates and save money. Numerous insurance companies battle for your insurance dollar, and because of this it can be hard to compare insurers to discover the definitive lowest cost out there.
It's a good idea to compare rates before your policy renews because auto insurance prices are rarely the same from one policy term to another. Just because you had the best deal on Ford F-150 insurance in San Antonio at your last renewal the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because we're going to show you the quickest way to reduce your cost while increasing coverage.
If you have insurance now or just want a better rate, use these tips to save money and still get good coverage. Locating the most cost-effective auto insurance policy in San Antonio is not that difficult. Vehicle owners just have to understand the proper way to compare rates online.
Cheapest companies for Ford F-150 insurance
The auto insurance companies shown below provide comparison quotes in Texas. To locate the best cheap auto insurance in Texas, we recommend you visit two to three different companies in order to find the cheapest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$256||$320||$382||$22||$114||$1,094||$91|
|F-150 STX Regular Cab 2WD||$246||$476||$430||$26||$128||$1,306||$109|
|F-150 XL Super Cab 2WD||$318||$598||$514||$30||$154||$1,614||$135|
|F-150 XLT Regular Cab 2WD||$162||$280||$366||$22||$110||$940||$78|
|F-150 STX Super Cab 2WD||$326||$486||$500||$30||$150||$1,492||$124|
|F-150 XL Crew Cab 2WD||$234||$378||$462||$28||$138||$1,240||$103|
|F-150 XLT Super Cab 2WD||$282||$502||$430||$26||$128||$1,368||$114|
|F-150 STX Regular Cab 4WD||$184||$272||$358||$22||$108||$944||$79|
|F-150 XL Regular Cab 4WD||$282||$476||$400||$24||$120||$1,302||$109|
|F-150 FX2 Super Cab 2WD||$282||$460||$496||$30||$148||$1,416||$118|
|F-150 XLT Crew Cab 2WD||$230||$346||$366||$22||$110||$1,074||$90|
|F-150 XL Super Cab 4WD||$288||$468||$462||$28||$138||$1,384||$115|
|F-150 XLT Regular Cab 4WD||$282||$476||$400||$24||$120||$1,302||$109|
|F-150 XL Crew Cab 4WD||$286||$420||$430||$26||$128||$1,290||$108|
|F-150 STX Super Cab 4WD||$202||$294||$462||$28||$138||$1,124||$94|
|F-150 XLT Super Cab 4WD||$300||$404||$514||$30||$154||$1,402||$117|
|F-150 FX2 2WD||$302||$456||$392||$24||$118||$1,292||$108|
|F-150 Lariat Super Cab 2WD||$286||$486||$430||$26||$128||$1,356||$113|
|F-150 Lariat Crew Cab 2WD||$378||$496||$500||$30||$150||$1,554||$130|
|F-150 FX4 Super Cab 4WD||$410||$728||$514||$30||$154||$1,836||$153|
|F-150 XLT Crew Cab 4WD||$270||$400||$382||$22||$114||$1,188||$99|
|F-150 FX4 4WD||$176||$322||$430||$26||$128||$1,082||$90|
|F-150 Lariat Crew Cab 4WD||$300||$492||$514||$30||$154||$1,490||$124|
|F-150 SVT Raptor Super Cab 4WD||$206||$312||$382||$22||$114||$1,036||$86|
|F-150 Lariat Super Cab 4WD||$362||$682||$462||$28||$138||$1,672||$139|
|F-150 Lariat Crew Cab Platinum 2WD||$368||$720||$514||$30||$154||$1,786||$149|
|F-150 Lariat Crew Cab Harley 2WD||$264||$542||$462||$28||$138||$1,434||$120|
|F-150 Lariat King Ranch 2WD||$198||$416||$496||$30||$148||$1,288||$107|
|F-150 Lariat King Ranch 4WD||$300||$472||$382||$22||$114||$1,290||$108|
|F-150 Lariat Crew Cab Harley 4WD||$274||$434||$392||$24||$118||$1,242||$104|
|F-150 Lariat Crew Cab Platinum 4WD||$422||$584||$500||$30||$150||$1,686||$141|
|Get Your Own Custom Quote Go|
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Information does not factor in specific San Antonio garaging location which can change premiums greatly.
Full coverage or liability only
The chart below shows the difference between Ford F-150 insurance costs when comparing full coverage to state minimum liability only. The premium estimates are based on no claims, a clean driving record, $500 deductibles, married male driver, and no discounts are taken into consideration.
When to stop paying for full coverage
There is no clear-cut rule to delete physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.
For example, let's pretend your Ford F-150 settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after paying the physical damage deductible. If you are paying over $300 annually for your policy with full coverage, then you might consider buying liability only.
There are some cases where removing full coverage is not advised. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
Earn discounts on San Antonio car insurance
Some insurance providers don't always advertise every disount available in a way that's easy to find, so the list below gives a summary of some of the best known and the harder-to-find discounts that may be available. If you are not receiving all the discounts possible, you are paying more than you should be.
- Discounts for Seat Belt Usage - Forcing all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
- Low Mileage - Low annual miles can qualify you for better prices on cars that stay parked.
- Good Student Discount - Performing well in school may save you up to 25%. This discount can apply up until you turn 25.
- San Antonio Homeowners Pay Less - Owning a house in San Antonio can earn you a little savings due to the fact that maintaining a home shows financial diligence.
- Life Insurance Discount - Select companies reward you with a lower rate if you buy some life insurance too.
- Multiple Policy Discount - If you combine your homeowners and auto policies with the same insurance company you could get a discount of as much as 10 to 15 percent.
- Driver's Education for Students - Teen drivers should enroll and complete driver's education as it will make them better drivers and lower rates.
- Theft Prevention System - Cars and trucks equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.
As a sidenote, most discounts do not apply to all coverage premiums. Most only reduce specific coverage prices like medical payments or collision. So when it seems like all the discounts add up to a free policy, it doesn't quite work that way.
Popular car insurance companies and a selection of discounts can be read below.
- State Farm discounts include multiple autos, Steer Clear safe driver discount, driver's education, Drive Safe & Save, anti-theft, good student, and good driver.
- GEICO offers premium reductions for good student, federal employee, membership and employees, seat belt use, and driver training.
- Progressive policyholders can earn discounts including good student, online signing, multi-policy, online quote discount, multi-vehicle, continuous coverage, and homeowner.
- 21st Century may include discounts for teen driver, driver training, homeowners, automatic seat belts, student driver, defensive driver, and 55 and older.
- American Family includes discounts for mySafetyValet, accident-free, bundled insurance, good driver, air bags, and Steer into Savings.
- The Hartford may offer discounts for bundle, good student, driver training, defensive driver, and anti-theft.
- AAA may have discounts that include multi-car, anti-theft, pay-in-full, good student, and good driver.
When getting a coverage quote, ask each company or agent to give you their best rates. Some of the discounts discussed earlier may not be offered in every state. For a list of companies with discount car insurance rates in San Antonio, click here to view.
Four Tips to Get Cheaper San Antonio Insurance Rates
Lots of things are used in the calculation when you get a price on insurance. Some factors are common sense such as your driving history, although some other factors are more obscure like your continuous coverage or your vehicle rating. Smart consumers have a good feel for the different types of things that come into play when calculating auto insurance rates. If you have a feel for what determines premiums, this enables informed choices that can earn you lower rates.
Miles impacts prices - The higher the mileage driven in a year's time the higher the price you pay to insure it. Almost all companies charge to insure your cars based upon how the vehicle is primarily used. Cars left parked in the garage receive better premium rates than vehicles that are driven to work every day. It's always a good idea to double check that your declarations sheet states the proper vehicle usage. An incorrectly rated F-150 may be wasting your money.
Defend yourself with liability coverage - Liability insurance is the protection in the event that you are found to be at fault for physical damage or personal injury to other. This coverage provides you with a defense in court to attempt to prove you were not liable. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not skimp.
Maintain auto insurance coverage - Letting your insurance expire can be a sure-fire way to drive up your policy premiums. Not only will rates go up, not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
Vehicles with better crash test results save money - Vehicles with high crash test scores tend to have lower insurance rates. Safe vehicles reduce occupant injuries and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If the Ford F-150 scored at minimum four stars on Safercar.gov you may be receiving a better rate.
Ford F-150 insurance loss probability - Companies use statistical claims data when they calculate premium prices for each model. Vehicles that historically have increased losses will have higher premium rates. The information below illustrates the insurance loss data used by companies for Ford F-150 vehicles.
For each coverage category, the statistical loss for all vehicles as a whole is a value of 100. Percentage numbers below 100 represent a good loss history, while percentage numbers above 100 point to more claims or an increased likelihood of larger losses.
Ford F-150 Insurance Claim Statistics
|Vehicle 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Do I need special coverages?
When it comes to buying coverage, there is no single plan that fits everyone. Your financial needs are unique.
Here are some questions about coverages that might help in determining if your insurance needs might need professional guidance.
- I have good health insurance, so how much medical payments coverage do I need?
- Can I drive in Mexico and have coverage?
- How do I insure my teen driver?
- Do I need roadside assistance coverage?
- Which is better, split liability limits or combined limits?
- What exactly is covered by my policy?
- Is business equipment covered while in my vehicle?
- Is a fancy paint job covered?
- What should my uninsured motorist coverage limits be in Texas?
- Where can I find high-risk insurance?
If you're not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, doesn't cost anything and can provide invaluable advice.
Neighborhood agents and auto insurance
A lot of people prefer to talk to a local agent and doing that can be a smart decision Agents can point out coverage gaps and help in the event of a claim. An additional benefit of comparing rates online is that drivers can save money and get better rates and still choose a local agent.
To find an agent, once you fill out this short form, your coverage information is immediately sent to local insurance agents in San Antonio that can provide free San Antonio car insurance quotes to get your business. It makes it easy because there is no need to contact any agents since rate quotes are delivered to your email. In the event you want to get a rate quote from a specific auto insurance provider, you just need to navigate to their website and give them your coverage information.
Picking an insurer requires more thought than just the quoted price. These are some questions your agent should answer.
- How experiences are they in personal risk management?
- If you are a high risk driver, do they have special markets for your coverage?
- How are claims handled?
- Do they have a Better Business Bureau rating in San Antonio?
- Where are claims handled?
- Will their companies depreciate repairs to your car based on the mileage?
- Do you qualify for any additional discounts?
- If independent agents, which companies do they recommend?
Not all auto insurance agents are the same
If you want a reliable insurance agency, you need to know there are two different types of agents and how they can quote your rates. Auto insurance agencies can be classified as either exclusive agents or independent agents. Either type can sell auto insurance policies, but it's good to learn why they differ because it can factor into your selection of an agent.
Exclusive Auto Insurance Agents
Exclusive agencies can usually just insure with one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to compare rates from other companies so always compare other rates. Exclusive agents receive a lot of sales training on the products they sell which aids in selling service over price.
Listed below are San Antonio exclusive agents willing to provide comparison quotes.
Independent Insurance Agents
Agents in the independent channel do not have single company limitations and that enables them to quote your coverage with a variety of different insurance companies and potentially find a lower price. If you want to switch companies, they can switch companies in-house and you don't have to do anything.
When comparing rates, you need to contact several independent agencies to maximize your price options.
The following are San Antonio independent agents that are able to give price quotes.
Garcia Insurance Agency
1255 SW Military Dr - San Antonio, TX 78221 - (210) 593-8935 - View Map
One last thing about your coverage
Consumers who switch companies do it for any number of reasons including delays in paying claims, questionable increases in premium, an unsatisfactory settlement offer or unfair underwriting practices. Regardless of your reason, finding a great new company is easier than you think.
We just covered some good ideas how to lower your Ford F-150 insurance car insurance rates in San Antonio. The key concept to understand is the more providers you compare, the better likelihood of getting affordable San Antonio car insurance quotes. You may even discover the biggest savings come from a smaller regional carrier.
Some insurance companies may not have online price quotes and most of the time these smaller companies only sell coverage through local independent agents. Discount Ford F-150 insurance is definitely available from both online companies as well as from insurance agents, and you need to price shop both to have the best rate selection.
More information is available at these links:
- Understanding Your Insurance Deductible (Insurance Information Institute)
- What is the Cheapest Auto Insurance in Arlington, Texas? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Auto Crash Statistics (Insurance Information Institute)