Who Has the Cheapest Insurance Quotes for a Ford F-150 in New York?

When writing about shopping for auto insurance, the words “affordable” or “cheap” really should not be used anywhere in the article as a descriptor for auto insurance rates. Sad but true, cheap auto insurance for a Ford F-150 is almost non-existent. Don’t get your dauber down, because we are going to show you some ways you can find car insurance that is cheaper than what you are paying now.

Your chances of finding affordable car insurance for a Ford F-150 in New York depends upon a fairly complex equation with a lot of factors like if you rent or own your home, whether or not you have prior claims, and if you have a history of accidents. Drivers pay an average rate of $1,010 annually for F-150 insurance, but that cost is a projection based on cost data for a 30-year-old single male who purchased full coverage including both comprehensive and collision and $250 policy deductibles.

More likely than not, you are not 30 years old and maybe not even male, married instead of single, or maybe you just want different deductibles. Every driver’s needs are different, and that is why the way we recommend to find cheap insurance prices for your Ford is to quote often and with as many companies as possible. It only takes a couple of minutes and you will get price quotes from the cheapest companies that insure vehicles in New York.

Find Cheaper Ford F-150 Insurance

The specific trim level has an effect on the insurance rate, so the cost to insure a F-150 XL Regular Cab 2WD model will be $274 less expensive the insurance cost for the high end F-150 Lariat Crew Cab Platinum 4WD model, as shown below.

Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Information does not factor in specific garaging location which can change coverage prices considerably.

Choosing a highly-rated car insurance company is difficult considering how many companies are available to choose from in New York. The company ratings shown below can help you select which insurers to look at comparing rates with.

These ratings are only made up of the largest companies in America, so companies with more of a regional focus are not factored into this list. To check prices from these top-rated insurers and more, click here.

Top 10 Major Auto Insurance Providers in New York Ranked by Customer Satisfaction

1. The Hartford – 93%
2. The General – 91%
3. Progressive – 90%
4. 21st Century – 89%
5. Erie Insurance – 88%
6. USAA – 87%
7. State Farm – 87%
8. Travelers – 87%
9. Mercury Insurance – 87%
10. Safeco Insurance – 86%

Top 10 Major Auto Insurance Providers Overall in New York

1. The General
2. Mercury Insurance
3. The Hartford
4. Progressive
5. Travelers
6. State Farm
7. Farmers Insurance
8. Erie Insurance
9. Safeco Insurance
10. USAA

Top Companies for Ford F-150 Insurance in New York

The illustration below illustrates how your choice of deductibles can increase or decrease insurance costs when trying to find cheap insurance for a Ford F-150. The premium estimates are based on a single female driver, comp and collision included, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2291,2121,1933,1759],[‘Age 30’, 1579,1455,1313,1179],[‘Age 40’, 1469,1355,1227,1105],[‘Age 50’, 1285,1189,1075,967],[‘Age 60’, 1241,1149,1041,937],[‘Age 70’, 1449,1341,1223,1111]]);var options = {title: ‘Comparison of Deductible Levels and Ford F-150 Insurance Rates in New York’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150’,minValue: 0,format: ‘$###,###’},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);}

A 50-year-old driver could lower their car insurance rates by $210 a year by increasing from a $100 deductible to a $500 deductible, or save $318 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old example, could save up to $532 each year by choosing larger deductibles on their policy.

When raising deductibles, it is necessary to have enough spare savings to be able to pay the extra out-of-pocket expense associated with higher deductibles.

Types of discounts on New York insurance

Insurance providers that sell the cheapest insurance for a Ford F-150 in New York may additionally offer price discounts that may potentially lower prices by as much as 35% if you meet specific criteria. Popular car insurance companies and a partial list of their discounts are shown below.

• State Farm may include discounts for good driver, safe vehicle, passive restraint, defensive driving training, and anti-theft.
• Farmers Insurance policyholders can earn discounts including switch companies, multi-car, distant student, alternative fuel, and business and professional.
• GEICO has discounts for air bags, defensive driver, federal employee, military active duty, multi-policy, anti-lock brakes, and seat belt use.
• American Family offers discounts for mySafetyValet, Steer into Savings, defensive driver, early bird, and TimeAway discount.
• Nationwide offers discounts including Farm Bureau membership, business or organization, defensive driving, good student, and anti-theft.
• Progressive may have discounts that include homeowner, online quote discount, multi-policy, good student, continuous coverage, and multi-vehicle.

The information below visualizes the comparison of premium costs with and without discounts being applied to the rates. Data assumes a female driver, no driving violations, no at-fault accidents, New York state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with marriage, claim-free, anti-theft, homeowner, passive restraint, and accident-free discounts applied. With discounts applied, the the amount saved on car insurance for a Ford F-150 is 27% or $402.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2157,1553],[‘Age 30’, 1493,1087],[‘Age 40’, 1387,1009],[‘Age 50’, 1217,887],[‘Age 60’, 1175,857],[‘Age 70’, 1365,989]]);var options = {title: ‘Comparison of 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: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150 in New York’,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);}