Who Has Cheap Insurance Quotes for a Ford F-150 in Vermont?

Your chances of finding cheap car insurance for a Ford F-150 in Vermont depends on a complex rating formula that takes into consideration things like whether you are a new or experienced driver, your geographic location, and citations or violations on your driving record. Drivers in Vermont will pay around $720 annually for F-150 insurance, but that rate is a projection using a 50-year-old single male driver that has both comprehensive and collision coverage and $500 physical damage deductibles.

This brings up the issue that more than likely you may not be 50 years old (or even male), you might be married instead of single, and maybe you have sub-par credit that needs to be factored in. What appears to be a small change in price quote data can cause large differences in how much coverage for a Ford F-150 costs.

Auto insurance is not the same for everyone, so the most reliable way to find the cheapest coverage for your Ford is to compare rates from as many companies as possible.

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The trim level of your vehicle tends to have a direct impact on the yearly cost, so the cost to insure a F-150 XL Regular Cab 2WD will be $186 cheaper than the price to insure the more costly F-150 Lariat Crew Cab Platinum 4WD model, as shown below.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in garaging location in Vermont which can decrease or increase auto insurance rates noticeably.

Figuring out which companies have the lowest-priced car insurance rates for a Ford F-150 may require a little more effort in order to find the lowest price quote.

Each auto insurance company has a proprietary method for setting rates, so let’s examine the car insurance companies that tend to have lower prices in Vermont. We do need to point out that Vermont car insurance rates are determined by lots of factors that can increase your annual premium. Getting older, buying another vehicle, or getting caught speeding may prompt premium changes that can now make some companies cheaper than competitors.

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Safeco offers some of the lowest car insurance rates in Vermont at around $477 each year. California Casualty, USAA, The Hartford, and Travelers are also some of the most economical Vermont car insurance companies.

In this example, if you currently have coverage with The Hartford and switched to Safeco, you may realize an annual premium reduction of in the neighborhood of $150. Vermont drivers with Travelers may save as much as $231 a year, and Unitrin insureds might see rate reductions of $233 a year.

Remember that these premium estimates are averaged for all types of insureds and vehicles and do not take into consideration a specific rate value for a Ford F-150. So the car insurance company that fits your situation best may not even be shown in the rate chart shown above. That helps illustrate why you need to compare prices as often as possible using your own specific driver information and vehicle.

The example below demonstrates how choosing different deductibles can affect insurance costs when researching cheap insurance for a Ford F-150. The rates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

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The data above shows that a 50-year-old driver could cut expenses by $264 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $396 by using a $1,000 deductible. Even younger drivers, like the 20-year-old category, could reduce their rates as much as $672 annually by selecting a higher deductible. When choosing a higher deductible, it is essential to have additional savings on hand to allow you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

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

When comparing insurance for a F-150 pickup, the companies with the most market share are Progressive, Allstate, State Farm, and Geico. If you add them together, they insure over 48% of all car insurance policies written. They all offer different optional coverages and features that add value to each policy. The table below shows pricing and service ratings, as well as optional policy coverages you can buy with each company.

How to find more affordable auto insurance for a Ford F-150

The list below shows some penny-pinching ideas that can help drivers quote cheaper coverage.

• The safer your car, the less it costs to insure
• Staying accident-free helps keep rates low
• Good credit scores may lower your rates
• Home or renters coverage can save on auto insurance
• Drop full coverage on older vehicles
• Compare quotes from other companies often

That last tip is extraordinarily necessary, as we stressed in the prior article. Insurance rates can change considerably in a year, so don’t hesitate to switch companies if you find a better deal.

Staying with the same car insurance company is fine, but is isn’t recommended if that stubbornness costs you thousands of dollars over the life of your policy. Take a couple minutes and shop around and find cheaper car insurance for a Ford F-150.