Best Cheap Insurance for a Ford F-150 in Idaho

The chances of finding affordable insurance for a Ford F-150 in Idaho depends upon a lot of rating factors such as if you are a renter or homeowner, the performance level of your vehicle, and your driving record. Idaho drivers pay on average $810 per year to insure a F-150, but that cost is an estimate based on cost data for a 30-year-old single male driver that includes full coverage including both comprehensive and collision and $500 policy deductibles.

The issue with using an average estimated rate is the likelihood you are not exactly 30 years old and possibly not even male, you might be married instead of single, or maybe your Idaho zip code is rated cheaper than the example. Auto insurance is not “one size fits all”, so your best shot at finding the most affordable coverage for your Ford is to comparison shop your policy at every renewal or at least every couple of years.

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The specific trim level has an effect on the insurance rate, so the cost to insure a F-150 XL Regular Cab 2WD trim level will be $196 less expensive the insurance cost for the higher-end F-150 Lariat Crew Cab Platinum 4WD model, as shown in the chart below.

Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Estimates do not factor in specific Idaho garaging location which can impact price quotes substantially.

Comparing quotes for low-priced car insurance is not the easiest thing to accomplish, and figuring out which company quotes the most affordable auto insurance rates for a Ford F-150 will require a little more work. Each insurer has their own unique process to determine premium rates, so let’s begin by examining the auto insurance companies that tend to have lower prices in Idaho.

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American National may offer some of the cheapest car insurance rates in Idaho at around $240 per year. Farm Bureau of ID Group, USAA, Oregon Mutual, and Travelers also make the cut as some of the lowest-priced Idaho insurance companies.

In this example, if you currently have coverage with USAA and switched to American National, you may see an annual savings of approxmiately $312. Idaho drivers with Oregon Mutual may save as much as $438 a year, and Travelers customers might realize rate reductions of up to $446 a year.

Be aware that those prices are averaged for all drivers and vehicles in Idaho and and are not figured with a specific rate factor for a Ford F-150. So the auto insurance company that is best suited for you may not even be included in the above list. That point stresses why you need to quote rates from many companies using your own specific driver information and vehicle.

Do you need full coverage?

Finding the best cheap insurance for a Ford F-150 in Idaho is probably important to most drivers, and one of the easiest ways to save on the cost of insurance is to only buy liability coverage. The information below compares insurance costs with full coverage and liability only. The prices are based on no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

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Averaged for all ages 20 through 70, comp and collision coverage costs an additional $1,243 per year more than just insuring for liability. A very common question is when is it a good idea to stop buying full coverage. There is no definitive formula to stop buying full coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

State Farm, Progressive, Allstate, and Geico: Who is cheapest?

When shopping around for car insurance, the first places to look would be State Farm, Progressive, Allstate, and Geico. They all offer your standard coverages, but each one has a distinct set of features and optional coverages that add value to each policy. The next table rates pricing and service ratings, plus some optional coverages that are available from each company.

Who has the cheapest Ford F-150 insurance quotes?

Drivers have a lot of different ways to quote and buy auto insurance in Idaho, but the most preferred methods are from an exlusive agent such as Allstate or Auto-Owners, a non-exclusive or independent agent, or buying direct from a company like Geico or Progressive. You can use whichever you prefer, but they are slightly different in how they give price quotes.

Independent agencies have contracts with multiple insurance companies and can provide price quotes from every one. These types of agents can get prices from more than one company, which can give you better odds of saving money. If the agent locates a cheaper price, they simply move the coverage in-house and you don’t have to find a new agent.

Exclusive agencies are usually just provide rates from just one company, two examples being Allstate and Liberty Mutual agents. Exclusive agents normally do not have the ability to provide rate quotes from other companies, so if prices are high they cannot provide alternatives.

Consumers who buy auto insurance direct do not use local agents and instead buy from a direct company like Esurance. Buying direct is a good choice for people who do not have a lot of assets and understand what specific coverages and deductibles they need.

So which of the methods works best for finding the best cheap insurance for a Ford F-150 in Idaho? We wish we could say buying direct yields the cheapest rates since it doesn’t require paying agent commissions, but that does not always hold true. A good argument could also be made that going through an independent agent results in the cheapest rates since they have access to many companies, but that assumption is not true either. In many cases, exclusive agencies may have very competitive prices that are impossible to beat.

Because there is so much variation in auto insurance prices, really the only way to not overpay for auto insurance is to compare, compare, and compare some more. Make the effort to get rate quotes from independent agents, exclusive agents, and direct companies to give yourself enough choices. For a list of companies with online discounts, click here to view.

How to find the best cheap insurance for a Ford F-150 in Idaho

The list below shows some penny-pinching ideas that can help Idaho drivers find lower-cost coverage.

• You will pay more if you get tickets or have at-fault accidents
• Earn a discount by not filing claims
• If your vehicles are older, consider dropping full coverage
• At-fault accidents can raise rates significantly
• Higher physical damage deductibles lower rates
• Shop around and save

The final tip is extraordinarily significant, as was emphasized in this article. Insurance rates can change considerably based on profitability, so drivers shouldn’t be resistant to switch companies if a more affordable price is available. Many consumers stick with the same company and that’s fine, but it’s not recommended if that loyalty results in overpaying a lot of money every month. If you have a few minutes, compare rates and find cheaper insurance for a Ford F-150.