How Much are Insurance Quotes for a Ford F-150 in Montana?

The chances that you’ll find cheap auto insurance for a Ford F-150 in Montana hinges on a complicated rating formula that uses factors such as how you use your F-150, your credit score, and driving violations. Drivers on average will pay $2,210 a year for F-150 insurance, but that policy rate is that uses rate data for a 40-year-old single female with comprehensive and collision coverage and $250 physical damage deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not a 40-year-old female, married instead of single, or maybe you just want to insure for liability only. Having what appears to be a very minor change in the factors used to determine rates can cause significant differences in rates.

Every driver has a different risk profile, so the way we recommend to find the most affordable coverage for your Ford is to shop around at every renewal for lower rates.

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Vehicle trim level will influence the insurance rate, so the cost to insure a F-150 XL Regular Cab 2WD will be $622 less expensive the insurance cost for the more expensive F-150 Lariat Crew Cab Platinum 4WD version, as shown by the rates below.

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Montana minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in vehicle location which can alter coverage rates considerably.

Figuring out which company offers the cheapest insurance rates for a Ford F-150 will take a little more sweat in order to find a policy that fits your budget. Every insurance provider has a different process for establishing rates, so let’s take a look at the most affordable insurance companies in Montana.

It’s important that you understand Montana insurance rates are influenced by many factors that will increase or decrease the cost of a policy. Simply having another birthday, having a teenage driver, or getting a driving violation can cause premium changes resulting in some companies being cheaper than competitors.

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Safeco generally has some of the most affordable car insurance rates in Montana at around $828 a year. Progressive, USAA, State Farm, and MetLife also qualify as some of the more affordable Montana insurance companies.

As the rates illustrate above, if you are a policyholder with Progressive and switched to Safeco, you might achieve savings of about $114. Drivers with USAA may save as much as $196 a year, and State Farm customers might lower prices by $274 a year.

It’s important to note that these policy prices are averaged for all insureds and vehicles and and are not calculated with a specific rate value for a Ford F-150. So the auto insurance company that can offer you the best price may not even be featured in the list above. That point stresses why you need to get quotes using your own specific driver and vehicle information.

Impact of speeding/accidents on insurance rates

The ideal way to receive affordable insurance premiums in Montana for a F-150 pickup is to be a careful driver and avoid getting tickets or having accidents. The diagram below illustrates how violations and fender-benders increase insurance premiums for each different age group. The premiums are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

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In the previous chart, the average cost of an auto insurance policy in Montana per year with no violations or accidents is $3,090. Receive two speeding tickets and the average cost rises to $4,411, an increase of $1,321 each year. Now add two accidents along with the two speeding tickets and the yearly cost of insurance for a Ford F-150 goes up to an average of $9,008. That’s an increase of $5,918, or $493 per month, just for not being more responsible behind the wheel!

Cost of full coverage in Montana

Finding cheap insurance for a Ford F-150 in Montana is important to most people, and one of the quickest ways to find cheap insurance is to not buy comprehensive and collision coverage. The chart below shows the difference between insurance premiums with full phyical damage coverage and with liability coverage only. The information is based on no violations or accidents, $500 deductibles, drivers are single, and no discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 5571,2041],[‘Age 30’, 2941,1113],[‘Age 40’, 2873,1031],[‘Age 50’, 2617,963],[‘Age 60’, 2535,947],[‘Age 70’, 3105,1271]]);var options = {title: ‘Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150 in Montana’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If all age groups are averaged, comprehensive and collision coverage on your policy costs an additional $3,274 per year more than just insuring for liability. Lot’s of drivers question if buying full coverage is worth the expense. There is no exact rule for dropping physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

There are a few cases where eliminating full coverage is not financially feasible. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should maintain full coverage.

How to find cheaper auto insurance for a Ford F-150

The list below summarizes many money-saving ideas that can help Montana drivers get more affordable coverage.

• Frequent claims will increase rates
• Increase your deductibles
• On older vehicles, drop full coverage
• At-fault accidents can raise rates significantly
• Avoid getting citations and tickets
• Compare prices as often as possible

The last tip in the list is notably vital, as we noted in this article. Coverage prices change constantly, so don’t be afraid to change to a new company if a cheaper price is available. Brand loyalty is not necessarily bad, but is isn’t recommended if that devotedness results in you overpaying money that could be spent on other things. It only take a few minutes to compare rates to find cheaper auto insurance for a Ford F-150.

State Farm, Geico, Progressive, or Allstate: Who is best?

When comparing insurance for a F-150 pickup, the top insurers to get price quotes from are State Farm, Geico, Progressive, and Allstate. The next table ranks ratings for price, service, and claims, in additional to some of the optional coverages .

Who has the cheapest Ford F-150 insurance quotes?

Due to technology, there are many ways to find lower-cost insurance in Montana, but the most frequently used are from an independent or non-exclusive agent, an exclusive insurance agency such as Allstate or State Farm, or direct either online or via phone. They all have the same basic principle, but shoppers should understand the differences in how they function.

Independent insurance agents write for multiple companies and can do rate comparisons with each one. Agents of this type are not limited to a single company and can provide multiple price quotes, which can give you improved chances of finding a lower rate. If premiums increase, your policy can be easily switched to a new company which makes it simple for you.

An exlusive, or captive, agency is only able to quote rates with just one company, a couple examples are Liberty Mutual and Allstate agents. They generally cannot provide other companys’ prices, so if their prices are high, they cannot shop around.

Buying from a direct company means do not use local insurance agents and instead buy direct from companies such as Esurance or Progressive. Shopping for insurance direct is good for drivers who do not have complex finances and have a good understanding of what coverages they need.

So which of those three methods works best to find cheap insurance for a Ford F-150 in Montana? Our initial answer would be buying direct results in the cheapest rates because you bypass the agent, but in reality, that argument does not hold true. A good argument could also be made that buying from an independent agent results in the best rates due to increased selection, but that assumption is also not accurate. And sometimes, exclusive agents may have very competitive prices that cannot be met by either independent or direct companies.

Since insurance rates vary so much, the best way to get the cheapest rates is to get as many comparison quotes as possible. It takes a little work, but we recommend you get quotes from all three to have the best rate selection. For a list of companies offering online discounts in Montana, click here to view.