Best Cheap Insurance for a Ford F-150 in Louisiana

Because the topic is car insurance, the word affordable should not appear anywhere in the article to describe car insurance rates. It’s just a fact that cheap auto insurance for a Ford F-150 can be hard, if not impossible, to find. Don’t get your dauber down, because we are going to show you some ways you can still get coverage that is considered budget-friendly.

The chances that you’ll find cheaper car insurance for a Ford F-150 in Louisiana is contingent on many rating factors such as when you were born, your credit score, and if you have any chargeable driving offenses. Drivers will pay on average $1,410 a year for F-150 insurance, but that is an approximation using cost data for a 50-year-old single male who requires full comprehensive and collision coverage and $500 deductibles.

When making auto insurance estimates, the issue arises that you are not 50 and maybe not even a male, maybe you are married instead of single, and there is a good chance that other rated drivers impact the rate. Changing even a minor factor in the criteria used to calculate rates can make a huge difference in the price of a policy.

Everyone has different rating factors, so the most reliable way to find cheap auto insurance rates for your Ford is to just take the time to do a thorough rate comparison.

Compare Rates and Save

The trim level of your vehicle impacts the insurance rate, so the price you will be charged to insure a F-150 XL Regular Cab 2WD will be $366 lower than the cost to insure the high end F-150 Lariat Crew Cab Platinum 4WD model, as shown in the prices below.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Table data does not factor in specific zip code location which can impact coverage rates significantly.

Comparing rates for cheap auto insurance is difficult, and finding out which company has the lowest-priced auto insurance rates for a Ford F-150 requires even more work. Each auto insurance company has a unique formula to set premium rates, so let’s begin by taking a look at the lowest cost auto insurance companies in Louisiana.

Keep in mind that Louisiana auto insurance rates are determined by lots of factors that will increase or decrease the price of coverage. This price variability is why it is so important to spend some time comparing rates to find affordable insurance rates for a Ford F-150. Rates are determined by many different factors and can decrease or increase without notice, so the most economical option six months ago may now be an over-priced policy.

Find Cheaper Auto Insurance for your F-150

Compare Rates and Save

USAA generally has some of the best car insurance rates in Louisiana at around $1,594 per year. MetLife, GEICO, Progressive, and Safeway would also be considered some of the cheapest Louisiana car insurance companies.

As the example above demonstrates, if you are a customer of Safeway and switched to MetLife, you could see a yearly price reduction of around $240. Drivers with Southern Farm Bureau might save as much as $312 a year, and California Casualty customers might realize rate reductions of up to $423 a year.

It’s important to note that these estimates are averages for all drivers and vehicles and do not factor in a specific rating modification for a Ford F-150. So the insurer that can offer you the best price may not even be featured in the chart above. That point stresses why you need to compare rates from multiple companies using your own driver data and vehicle information.

The information below illustrates how your choice of deductibles can influence insurance costs when getting quotes for cheap insurance for a Ford F-150. The data is based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

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The chart above illustrates that a 40-year-old driver could cut expenses by $398 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $600 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old example, can save as much as $1,290 annually by choosing a larger deductible amount.

If you make the decision to raise deductibles, it’s a good idea to have enough savings to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Cost of full coverage in Louisiana

Finding the best cheap insurance for a Ford F-150 in Louisiana is important to most vehicle owners, and one of the easiest ways to pay less for insurance is to buy liability only. The example below shows the difference between car insurance costs with full coverage compared to only the Louisiana minimum liability coverage. The rate quotes are based on no driving violations, no at-fault accidents, $100 deductibles, marital status is single, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 5501,1641],[‘Age 30’, 2869,897],[‘Age 40’, 2841,831],[‘Age 50’, 2577,777],[‘Age 60’, 2489,765],[‘Age 70’, 3003,1025]]);var options = {title: ‘Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150 in Louisiana’,minValue: 0,format: ‘$###,###’},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 averaged out across all ages, full coverage costs $3,213 per year over having just liability coverage. Lot’s of drivers question when is the right time to remove full coverage. There is no set rule to eliminate physical damage coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

How to get the best cheap insurance for a Ford F-150 in Louisiana

It’s not impossible to find cheaper rates, and here are some of the recommended money-saving ideas that can help drivers find cheap coverage.

• Vehicles with safetly features generally cost less to insure
• Avoid filing small claims
• Do not get tickets or violations
• Remain accident-free and save
• Save money by bundling your home and auto policies
• Save money by insuring older vehicles for liability only
• Keep rates low by comparing prices once a year

The final tip is particularly crucial, as we hit on in this article. Auto insurance rates fluctuate constantly, so drivers shouldn’t be resistant to change to a new company if a more affordable price is available.

Having a favorite company is fine, but it isn’t a good idea if that loyalty ends up costing a wad of cash every year. In just a few minutes you could shop around and find cheaper insurance for a Ford F-150.

Company comparison: Geico vs Progressive vs State Farm vs Allstate

If you are looking for the best car insurance, four companies to definitely compare rates with are Geico, Progressive, State Farm, and Allstate. The table below illustrates pricing and service ratings, as well as optional policy coverages offered by each company.