Cheapest Insurance Quotes for a Ford F-150 in New Hampshire

Our staff writers always rib each other than when writing about auto insurance, the word cheap should not appear as a descriptor for car insurance rates. The fact is, cheap auto insurance for a Ford F-150 can be hard to find. Don’t let that bother you, though, because we are going to show you how you can still get insurance that is affordable.

The likelihood of finding the cheapest car insurance for a Ford F-150 in New Hampshire hinges on a complex rating formula that takes into consideration things like whether or not you are married, whether or not you have had gaps between policies, and your choice of deductibles. New Hampshire drivers will pay around $720 per year to insure a Ford F-150, but that rate is a projection rating a 40-year-old single female that included both comprehensive and collision coverage and $1,000 deductibles.

Most likely you are not 40 and maybe not even a female, maybe you are married instead of single, or maybe you just want to insure for liability only. Every driver has a different risk profile, so your best shot at finding cheap insurance prices for your Ford is to make a habit of comparing prices at least once a year.

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Vehicle trim level will most likely have an effect on the cost of insurance, so the price you pay to insure a F-150 XL Regular Cab 2WD model will be $158 cheaper than the insurance cost for the higher-priced F-150 Lariat Crew Cab Platinum 4WD version, as shown in the table below.

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Estimates do not factor in garaging location in New Hampshire which can lower or raise prices considerably.

Picking a highly-rated auto insurance company can be a challenge considering how many companies there are to choose from in New Hampshire. The rank data listed below can help you pick which providers to look at when comparing rate quotes.

The rankings below are for the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in New Hampshire will not be included in the list. To compare rates from the insurers below and more, simply click here.

Does full coverage make sense?

Finding the cheapest insurance for a Ford F-150 in New Hampshire is the goal of the majority of vehicle owners, and a great way to save on the cost of insurance is to only pay for liability coverage. The diagram below shows the comparison of insurance costs with and without physical damage coverage. The prices are based on no accidents or driving violations, $100 deductibles, marital status is single, and no discounts are factored in.

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If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs an additional $1,500 per year over and above liability only. That may make you wonder if physical damage coverage is worth the money. There is no definitive rule to delete comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, then it might be time to buy liability only.

There are some circumstances where removing full coverage is not financially feasible. If you still have a lienholder on your title, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not opt for liability only.

Types of discounts on New Hampshire car insurance rates

Insurance providers that offer the cheapest insurance for a Ford F-150 in New Hampshire could also offer policy discounts that could potentially reduce rates by 35% or more if you meet eligibility requirements. Larger car insurance companies and a summarized list of policyholder discounts are:

• State Farm discounts include safe vehicle, accident-free, student away at school, Steer Clear safe driver discount, driver’s education, multiple policy, and Drive Safe & Save.
• Farmers Insurance offers discounts for pay in full, switch companies, good student, multi-car, homeowner, youthful driver, and distant student.
• GEICO offers premium reductions for seat belt use, defensive driver, driver training, multi-vehicle, and multi-policy.
• American Family policyholders can earn discounts including early bird, good student, multi-vehicle, accident-free, bundled insurance, and TimeAway discount.
• Nationwide offers discounts including multi-policy, easy pay, family plan, business or organization, and good student.
• Progressive may have discounts that include homeowner, multi-policy, online quote discount, good student, continuous coverage, multi-vehicle, and online signing.

The example below shows the comparison of car insurance rates with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no accidents, no driving violations, New Hampshire state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with marriage, vehicle safety, defensive driving course, multiple policy, multiple vehicle, and safe-driver discounts applied. With discounts applied, the average savings per year on car insurance for a Ford F-150 is 28% or $315.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 1911,1375],[‘Age 30’, 1035,753],[‘Age 40’, 999,725],[‘Age 50’, 913,663],[‘Age 60’, 887,645],[‘Age 70’, 1097,793]]);var options = {title: ‘Effect of Discounts on Insurance Rates for a Ford F-150’,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 New Hampshire’,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(‘qcibdisc’));chart.draw(data, options);}