Want to save money and find lower-priced Ford F-150 insurance in Pittsburgh? Purchasing budget-priced Pittsburgh Ford F-150 insurance quotes on the web can be rather challenging for consumers who are new to online price comparisons. With so many insurance agents and companies, how are consumers able to have a chance to compare every possible option in order to find the cheapest available price?
How to find cheaper quotes for Ford F-150 insurance in Pittsburgh
If you want to save money, the best way to get budget Ford F-150 insurance is to start doing a yearly price comparison from companies who provide car insurance in Pittsburgh.
Step 1: Spend some time learning about the coverage provided by your policy and the measures you can take to prevent high rates. Many rating factors that drive up the price like careless driving and a not-so-good credit score can be remedied by making minor changes in your lifestyle.
Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like GEICO or Farmers Insurance, while agents who are independent can give you price quotes for many different companies.
Step 3: Compare the new rate quotes to your existing coverage to determine if you can save on F-150 insurance in Pittsburgh. If you can save money and buy the policy, make sure there is no lapse in coverage.
Step 4: Notify your current company of your decision to cancel the current policy. Submit any necessary down payment along with the completed application to your new company or agent. Make sure you keep your new proof of insurance certificate along with the vehicle’s registration papers.
The most important part of shopping around is to compare identical deductibles and limits on every quote and and to get rates from all possible companies. Doing this ensures a fair rate comparison and the best price selection.
It’s hard to believe, but most auto insurance buyers have purchased from the same company for more than four years, and approximately 40% of consumers have never compared rate quotes at all. Pennsylvania consumers could cut their rates by 55% a year, but they mistakenly think it’s difficult to save money by comparing rate quotes.
You should make it a habit to quote other rates on a regular basis because auto insurance rates are constantly changing. Just because you had the best rate on Ford F-150 insurance in Pittsburgh a year ago you will most likely find a better price today. Forget anything you know (or think you know) about auto insurance because I’m going to teach you how to quote online to find lower rates on auto insurance.
Cheaper rates with these eight discounts
Car insurance companies do not list every possible discount very well, so here is a list a few of the more common as well as some of the hidden insurance savings.
- Theft Prevention System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
- Lower Rates for Military – Being on active duty in the military could mean lower prices.
- Save with More Vehicles Insured – Buying coverage for several vehicles with one company may reduce the rate for each vehicle.
- Government Employees – Having worked for a branch of the government can save as much as 8% depending on your company.
- Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it will make them better drivers and lower rates.
- Accident Free – Drivers with accident-free driving histories are rewarded with significantly better rates on Pittsburgh car insurance quote when compared with bad drivers.
- Early Renewal Discounts – A few insurance companies give discounts for renewing your policy before your current coverage expires. You could save around 10% when you buy Pittsburgh car insurance online.
- Driver Training Discounts – Participating in a course in defensive driver may get you a small discount if your company offers it.
Please keep in mind that some of the credits will not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
The chart below shows the comparison of Ford F-150 yearly insurance costs with and without discounts being applied to the rates. The information is based on a female driver, no claims or driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, homeowner, marriage, and claim-free discounts applied.
A list of insurance companies and a selection of discounts are included below.
- GEICO offers discounts including federal employee, air bags, good student, driver training, defensive driver, military active duty, and five-year accident-free.
- Travelers offers premium reductions for hybrid/electric vehicle, continuous insurance, good student, IntelliDrive, and multi-policy.
- Farm Bureau has discounts for driver training, 55 and retired, multi-policy, renewal discount, youthful driver, and multi-vehicle.
- Liberty Mutual offers discounts for safety features, preferred payment discount, new vehicle discount, newly married, teen driver discount, and multi-car.
- American Family may offer discounts for accident-free, bundled insurance, good driver, multi-vehicle, and air bags.
- Progressive may include discounts for multi-policy, continuous coverage, homeowner, online signing, good student, online quote discount, and multi-vehicle.
When getting free Pittsburgh car insurance quotes, it’s a good idea to each company the best way to save money. All car insurance discounts may not be offered in Pittsburgh. To choose insurance companies that offer discounts in Pittsburgh, click here.
When price shopping your coverage, getting more free quotes helps locate the best offered rates. Some smaller insurers do not give price estimates online, so it’s important to compare rates on coverage from those companies, too.
The following companies provide free rate quotes in Pittsburgh, PA. If you wish to find the best cheap auto insurance in Pennsylvania, we recommend you visit as many as you can to find the most competitive auto insurance rates.
Premium rates and analysis
The coverage table shown next covers different prices for Ford F-150 models. Having a good understanding how policy premiums are established is important for drivers to make smart choices when purchasing an auto insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$132||$170||$336||$20||$100||$758||$63|
|F-150 STX Regular Cab 2WD||$132||$218||$336||$20||$100||$806||$67|
|F-150 XL Super Cab 2WD||$132||$218||$336||$20||$100||$806||$67|
|F-150 XLT Regular Cab 2WD||$132||$218||$336||$20||$100||$806||$67|
|F-150 STX Super Cab 2WD||$132||$218||$336||$20||$100||$806||$67|
|F-150 XL Crew Cab 2WD||$152||$218||$336||$20||$100||$826||$69|
|F-150 XLT Super Cab 2WD||$152||$218||$336||$20||$100||$826||$69|
|F-150 STX Regular Cab 4WD||$152||$218||$336||$20||$100||$826||$69|
|F-150 XL Regular Cab 4WD||$152||$218||$336||$20||$100||$826||$69|
|F-150 FX2 Super Cab 2WD||$152||$218||$336||$20||$100||$826||$69|
|F-150 XLT Crew Cab 2WD||$152||$218||$336||$20||$100||$826||$69|
|F-150 XL Super Cab 4WD||$152||$218||$336||$20||$100||$826||$69|
|F-150 XLT Regular Cab 4WD||$152||$218||$336||$20||$100||$826||$69|
|F-150 XL Crew Cab 4WD||$172||$218||$336||$20||$100||$846||$71|
|F-150 STX Super Cab 4WD||$172||$218||$336||$20||$100||$846||$71|
|F-150 XLT Super Cab 4WD||$172||$218||$336||$20||$100||$846||$71|
|F-150 FX2 2WD||$172||$264||$336||$20||$100||$892||$74|
|F-150 Lariat Super Cab 2WD||$172||$264||$336||$20||$100||$892||$74|
|F-150 Lariat Crew Cab 2WD||$172||$264||$336||$20||$100||$892||$74|
|F-150 FX4 Super Cab 4WD||$172||$264||$336||$20||$100||$892||$74|
|F-150 XLT Crew Cab 4WD||$172||$264||$336||$20||$100||$892||$74|
|F-150 FX4 4WD||$172||$264||$336||$20||$100||$892||$74|
|F-150 Lariat Crew Cab 4WD||$172||$264||$336||$20||$100||$892||$74|
|F-150 SVT Raptor Super Cab 4WD||$172||$264||$336||$20||$100||$892||$74|
|F-150 Lariat Super Cab 4WD||$172||$264||$336||$20||$100||$892||$74|
|F-150 Lariat Crew Cab Platinum 2WD||$172||$312||$336||$20||$100||$940||$78|
|F-150 Lariat Crew Cab Harley 2WD||$172||$312||$336||$20||$100||$940||$78|
|F-150 Lariat King Ranch 2WD||$172||$312||$336||$20||$100||$940||$78|
|F-150 Lariat King Ranch 4WD||$192||$312||$336||$20||$100||$960||$80|
|F-150 Lariat Crew Cab Harley 4WD||$192||$312||$336||$20||$100||$960||$80|
|F-150 Lariat Crew Cab Platinum 4WD||$192||$312||$336||$20||$100||$960||$80|
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium costs do not factor in garaging location in Pittsburgh which can raise or lower price quotes significantly.
The information below demonstrates how deductible levels and can influence Ford F-150 insurance costs for each age group. The prices are based on a married male driver, full physical damage coverage, and no policy discounts are applied.
Poor driving habits will raise your car insurance rates
The chart below illustrates how speeding tickets and at-fault fender-benders influence Ford F-150 annual premium costs for different age groups. The data is based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.
Annual premiums for males compared to females
The illustration below illustrates the comparison of Ford F-150 auto insurance rates for male and female drivers. The information is based on no claims or driving violations, comprehensive and collision coverage, $100 deductibles, single status, and no policy discounts are applied.
Full coverage rates compared to liability-only
The chart below compares Ford F-150 auto insurance rates with and without physical damage coverage. The data is based on no claims or driving citations, $500 deductibles, marital status is single, and no policy discounts are applied.
Deciding between full coverage and liability only
There is no definitive formula to exclude physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s say your Ford F-150 replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $5,000 after paying your policy deductible. If you are currently paying more than $500 a year for full coverage, then you might want to consider buying only liability coverage.
There are some cases where dropping full coverage is not a good idea. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not buy liability only.
Insurance agents are trained to help
Some people just prefer to visit with an insurance agent and often times that is recommended The biggest benefit of price shopping on the web is the fact that you can find the best rates but still work with a licensed agent. Buying from and supporting small agencies is especially important in Pittsburgh.
Once you complete this short form, the quote information is submitted to local insurance agents in Pittsburgh who will give you quotes for your coverage. You don’t have to leave your computer as quotes are delivered to you. It’s the lowest rates and a licensed agent to talk to. If for some reason you want to get a comparison quote for a specific company, you just need to find their quoting web page and complete a quote there.
Pittsburgh auto insurance agents come in two flavors
If you would like to find a good insurance agency, you should know the types of insurance agents and how they can service your needs differently. Agents are classified as either independent agents or exclusive agents.
Independent Agencies or Brokers
Agents in the independent channel are appointed with more than one company so they can insure your vehicles through many different auto insurance companies and find you the best rates. If your premiums go up, your policy is moved internally without you having to go to a different agency.
When searching for an agent, you definitely need to check rates from independent agents for maximum quote selection. They also have the ability to place coverage with less well-known companies which may have better rates.
Featured below is a small list of independent insurance agencies in Pittsburgh who may be able to give you free auto insurance quotes.
- Joe Vojtas Agency – ERIE Insurance
9800B McKnight Rd #226 – Pittsburgh, PA 15237 – (412) 847-3743 – View Map
- Masters Insurance Services
1719 Ardmore Blvd – Pittsburgh, PA 15221 – (412) 351-2448 – View Map
- Celik Insurance Agency Inc.
2407 Mt Troy Rd – Pittsburgh, PA 15212 – (412) 323-9300 – View Map
Exclusive Insurance Agents
Agents that choose to be exclusive generally can only insure with one company such as Allstate, AAA, Farmers Insurance, and State Farm. They are unable to provide prices from multiple companies so keep that in mind. Exclusive insurance agents receive a lot of sales training on the products they sell which helps them sell on service rather than price. Drivers often buy from the same agent for years partially due to loyalty to the company rather than having the cheapest rates.
Shown below are Pittsburgh exclusive agencies who can help you get price quote information.
- Jack Dumbaugh – State Farm Insurance Agent
1236 Grove Rd – Pittsburgh, PA 15234 – (412) 884-8100 – View Map
- GEICO Insurance Agent
9026 St Simon Way – Pittsburgh, PA 15237 – (412) 364-7170 – View Map
- Carolyn Dorsey – State Farm Insurance Agent
5901 Baum Blvd – Pittsburgh, PA 15206 – (412) 361-8000 – View Map
Picking the best auto insurance agent should depend on more than just a cheap quote. Agents should be asked these questions:
- Are they in the agency full-time?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Will they give you a referral list?
- Can glass repairs be made at your home?
- How much experience to they have in personal lines coverages?
- Do you work with a CSR or direct with the agent?
- How long have they been in business?
After receiving positive feedback to any questions you may have as well as an affordable premium quote, it’s possible that you found an auto insurance agent that can provide auto insurance coverage. Just be aware that you can cancel your policy whenever you wish so don’t feel that you are permanently stuck with any particular company with no way out.
Why you need insurance for your Ford F-150
Despite the high insurance cost for a Ford F-150 in Pittsburgh, car insurance may not be optional for several reasons.
- The majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability protection in order to drive the car. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your F-150, almost every bank will make it a condition of the loan that you carry insurance to guarantee loan repayment. If you let the policy lapse, the bank may buy a policy for your Ford at a much higher premium rate and require you to pay the higher premium.
- Car insurance protects not only your car but also your assets. It will also pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage will also pay attorney fees if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to repair the damage.
The benefits of buying enough insurance outweigh the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is overpaying over $810 a year so compare quotes from several companies at every renewal to save money.
Car insurance coverage considerations
Understanding the coverages of car insurance can be of help when determining the best coverages for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many Pennsylvania drivers only purchase the least amount of liability that is required (Pennsylvania limits are 15/30/5), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are set the same as your liability limits.
Liability insurance will cover damage that occurs to people or other property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 15/30/5 that translate to a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims like court costs, legal defense fees, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but consider buying as large an amount as possible. Pennsylvania state minimum liability requirements are 15/30/5 but it’s recommended drivers buy more liability than the minimum.
The chart below shows why low liability limits may not be adequate.
Comprehensive coverage (or Other than Collision)
This coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as fire damage, damage from getting keyed, a broken windshield and hail damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Coverage for collisions
Collision coverage pays for damage to your F-150 resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things like scraping a guard rail, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible on your F-150 in order to get cheaper collision rates.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance pay for immediate expenses such as nursing services, pain medications, prosthetic devices, ambulance fees and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible
Keep this in mind when shopping around
We covered a lot of information how to find cheap Ford F-150 insurance in Pittsburgh. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even find the biggest savings come from a small local company.
As you restructure your insurance plan, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, an insured cut uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your objective should be to purchase a proper amount of coverage for the lowest cost.
People change insurance companies for many reasons like policy cancellation, high prices, denial of a claim and even extreme rates for teen drivers. Regardless of your reason, finding a great new company can be easier than you think.
Steps to saving on Ford F-150 insurance in Pittsburgh
The best way to find cheaper prices for Ford F-150 insurance is to start doing an annual price comparison from companies who sell insurance in Pittsburgh.
Step 1: Learn about car insurance and the modifications you can make to prevent expensive coverage. Many rating criteria that cause high rates like speeding tickets, accidents and a less-than-favorable credit history can be amended by making lifestyle changes or driving safer.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like GEICO and Allstate, while agents who are independent can quote rates from many different companies. Compare rates now
Step 3: Compare the new rate quotes to your existing coverage to see if a cheaper rate is available. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.
One key aspect of rate comparisons is to try to compare the same physical damage deductibles and liability limits on every quote and and to look at as many companies as you can. Doing this ensures the most accurate price comparison and a thorough price selection.
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- What Car Insurance is Cheapest for High Risk Drivers in Pittsburgh? (FAQ)
- Electronic Stability Control FAQ (iihs.org)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Safety Tips for Teen Drivers (Insurance Information Institute)