Best Cheap Insurance Quotes for a Ford F-150 in Mississippi

The chances of finding cheap auto insurance for a Ford F-150 in Mississippi depends upon many different factors like your marital status, whether you have good credit, and any prior driving offenses you have. Mississippi drivers on average pay approximately $1,190 per year for F-150 insurance, but that cost is an estimation based on rates for a 50-year-old single male driver who purchased full coverage including both comprehensive and collision and $100 policy deductibles.

But there is a high likelihood that you aren’t exactly 50 years old or even a male, possibly married instead of single, or you want lower deductibles. Having even a minor difference in policy rating data can result in a massive change in quoted rates.

Every policy is rated specifically for the driver, so the only real way to find cheap car insurance rates for your Ford is to comparison shop your policy at every renewal or at least every couple of years.

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Vehicle trim level impacts the cost of insurance, so the price you pay to insure a F-150 XL Regular Cab 2WD trim level will be $368 cheaper than the price to insure the more well-appointed F-150 Lariat Crew Cab Platinum 4WD version, as shown by the rates below.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Mississippi minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates substantially.

Determining which companies offer the cheapest car insurance rates for a Ford F-150 involves a tad more effort than just getting one or two price quotes. Every auto insurer used slightly different criteria to determine premium rates, so let’s take a look at the most competitive car insurance companies in Mississippi.

Lowest Insurance Price Quotes for your F-150

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USAA generally has some of the cheapest car insurance rates in Mississippi at around $839 a year. Travelers, Unitrin, Direct General, and ALFA also are some of the best Mississippi auto insurance companies.

As shown in the rates above, if you currently have a policy with Unitrin and switched to USAA, you could realize annual savings of roughly $329. Customers with Direct General could save as much as $491 a year, and ALFA policyholders might cut rates by $498 a year.

To find the best cheap insurance for a Ford F-150 in Mississippi, click here or quote rates from the companies below.

Understand that those rates are averaged for all ages of drivers and types of vehicles and do not take into consideration a specific rate value for a Ford F-150. So the insurer that is best suited for you may not even be included in the above rate chart. That’s why you need to compare as many prices as possible using your own individual information.

Tickets and at-fault accidents raise rates

One of the best ways to score the most affordable car insurance premiums in Mississippi for a F-150 pickup is to be a good driver and not get tickets or have accidents. The information below illustrates how violations and fender-benders increase car insurance costs for each different age group. The data assumes a single male driver, full coverage, $500 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2849,3389,3923],[‘Age 30’, 1525,2061,2597],[‘Age 40’, 1479,2017,2551],[‘Age 50’, 1351,1889,2423],[‘Age 60’, 1309,1843,2383],[‘Age 70’, 1611,2147,2683]]);var options = {title: ‘Impact of Tickets and Accidents on Mississippi Ford F-150 Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150 in Mississippi’,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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data charted above shows the average cost of car insurance in Mississippi per year with no violations or accidents is $1,687. Receive two speeding tickets and the average cost surges to $2,224, an increase of $537 each year. Next add one accident along with the two speeding tickets and the yearly cost of car insurance for a Ford F-150 goes up to an average of $2,760. That’s an increase of $1,073, or $89 per month, just for not keeping your driving record clean!

The illustration below demonstrates how choosing different deductibles can increase or decrease insurance prices when getting quotes for cheap insurance for a Ford F-150. The rate quotes are based on a single female driver, full coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3109,2857,2575,2309],[‘Age 30’, 2173,1989,1773,1565],[‘Age 40’, 2011,1841,1649,1463],[‘Age 50’, 1759,1611,1441,1279],[‘Age 60’, 1699,1557,1395,1239],[‘Age 70’, 1969,1807,1629,1459]]);var options = {title: ‘Impact of Higher Deductibles on Ford F-150 Insurance Rates in Mississippi’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 40-year-old driver could reduce rates by $318 a year by switching from a $100 deductible to a $500 deductible, or save $480 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old example, could lower their rates up to $800 or even more by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it is a good idea to have plenty of discretionary funds to enable you to cover the extra out-of-pocket expense that is associated with using high deductibles.

Who has the cheapest Ford F-150 insurance quotes?

Due to technology, there are many ways to quote cheap car insurance rates in Mississippi, but the most popular methods are through an exlusive agent like Allstate or Auto-Owners, a non-exclusive or independent agent, or from a direct company like Geico or Progressive. Each way has the same basic steps, but shoppers should understand the differences in how they provide rate quotes.

Independent agencies have contracts with many companies and can compare coverage rates with every one. They are not limited to a single company and can compare multiple rates, which can help you get the best idea of how your rates compare. If you are not satisfied with one company, your policy can be easily switched to a new company and you stay with the same agent.

An exlusive, or captive, agency is usually just provide rates from a single company, two examples are an Allstate or Liberty Mutual agent. Exclusive agents cannot provide prices from multiple companies, so it’s a good idea to get additional quotes.

Car insurance from a direct company means you do not use a local agent and instead buy direct online or over the phone from a company like Geico or Progressive. Buying direct is good for drivers who do not need complex risk management and know what coverages, limits, and deductibles they need.

When shopping for car insurance, which way works best to buy the best cheap insurance for a Ford F-150 in Mississippi? The majority of car insurance shoppers assume that buying from a direct car insurance company results in the cheapest price since there is no need to pay agent commissions, but unfortunately, that is not always true. We’d also like to say using an independent agent guarantees the cheapest rates due to increased selection, but again, that’s not accurate. In many cases, the exclusive agents have price quotes that other companies cannot beat.

Since car insurance companies use so many rating factors, the only real way to buy the cheapest policy is to get quotes and compare the rates. Experts recommend getting quotes from all three to get an idea of which is cheapest. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

How to find cheaper insurance for a Ford F-150

The list below summarizes some of the recommended thrifty solutions that can help Mississippi drivers locate cheap coverage.

• Increase physical damage deductibles
• Do not pay for comprehensive and collision coverage on older vehicles
• Avoid preventable accidents
• Keep your driving record clean
• Avoid price increases by not filing claims
• Keep rates low by comparing prices once a year

The last item on the list is particularly important, as was noted in the prior article. Car insurance prices vary greatly, so don’t hesitate to buy from a different company if you can save money.

Brand loyalty is not necessarily bad, but it’s not recommended if that dedication is costing a wad of cash every year. In less than five minutes you could compare rates to find cheaper auto insurance for a Ford F-150.

Best rates: Progressive, Allstate, Geico, or State Farm

When comparing rates for auto insurance, the companies with the most market share are Progressive, Allstate, Geico, and State Farm. Between them, they insure nearly half of all policies written in the United States. The following table rates ratings for price, service, and claims, in additional to some of the optional coverages offered by each company.