To save the most money, the best way to get discount car insurance rates is to do a yearly price comparison from insurance carriers who provide car insurance in Tampa. You can compare rates by completing these steps.
- Spend a few minutes and learn about policy coverages and the measures you can take to prevent high rates. Many factors that result in higher prices like inattentive driving and a negative credit rating can be remedied by improving your driving habits or financial responsibility.
- Request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive and State Farm, while independent agencies can give you price quotes for a wide range of companies.
- Compare the quotes to your existing coverage and determine if cheaper F-150 coverage is available in Tampa. If you can save money and switch companies, make sure there is no lapse in coverage.
One piece of advice is that you use identical deductibles and limits on each quote and and to compare all possible companies. Doing this ensures a level playing field and a complete price analysis.
It's an obvious assumption that car insurance companies want to prevent you from shopping around. Insureds who shop around for the cheapest rate are likely to buy a new policy because they have a good chance of finding a cheaper policy. A study showed that drivers who compared rate quotes regularly saved about $3,450 over four years compared to drivers who don't regularly compare prices.
If finding the cheapest rates on Ford F-150 insurance is your intention, then having some knowledge of the best way to quote and compare insurance rates can make the process more efficient.
If you have a current car insurance policy or just want to reduce your rates, use these tips to get lower rates while maximizing coverage. This information will help you learn how to compare rates easily and also save some money in the process Vehicle owners only have to learn how to compare rates from many companies at once.
Most companies such as Progressive, GEICO, Allstate and State Farm allow consumers to get pricing on their websites. Getting online quotes for Ford F-150 insurance in Tampa doesn't take much effort because it's just a matter of typing in the coverages you want into the quote form. After the form is submitted, their system automatically retrieves credit information and your driving record and gives you a price quote based on the information you submitted.
Being able to quote online for Ford F-150 insurance in Tampa makes it a lot easier to compare rates and it's absolutely necessary to compare as many rates as possible in order to find the cheapest price.
To save time and find out if lower rates are available, compare rates now from the companies shown below. To compare your current rates, we recommend that you enter deductibles and limits exactly as shown on your declarations page. Doing this guarantees you will have rate quotes for similar insurance coverage.
The providers in the list below offer price comparisons in Florida. To get cheap auto insurance in FL, we suggest you visit two to three different companies in order to get a fair rate comparison.
Ford F-150 detailed coverage information
The price information shown below covers different insurance prices for Ford F-150 models. Having a better understanding of how premiums are determined can aid in making smart policy decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$216||$290||$392||$24||$118||$1,040||$87|
|F-150 STX Regular Cab 2WD||$216||$370||$392||$24||$118||$1,120||$93|
|F-150 XL Super Cab 2WD||$216||$370||$392||$24||$118||$1,120||$93|
|F-150 XLT Regular Cab 2WD||$216||$370||$392||$24||$118||$1,120||$93|
|F-150 STX Super Cab 2WD||$216||$370||$392||$24||$118||$1,120||$93|
|F-150 XL Crew Cab 2WD||$248||$370||$392||$24||$118||$1,152||$96|
|F-150 XLT Super Cab 2WD||$248||$370||$392||$24||$118||$1,152||$96|
|F-150 STX Regular Cab 4WD||$248||$370||$392||$24||$118||$1,152||$96|
|F-150 XL Regular Cab 4WD||$248||$370||$392||$24||$118||$1,152||$96|
|F-150 FX2 Super Cab 2WD||$248||$370||$392||$24||$118||$1,152||$96|
|F-150 XLT Crew Cab 2WD||$248||$370||$392||$24||$118||$1,152||$96|
|F-150 XL Super Cab 4WD||$248||$370||$392||$24||$118||$1,152||$96|
|F-150 XLT Regular Cab 4WD||$248||$370||$392||$24||$118||$1,152||$96|
|F-150 XL Crew Cab 4WD||$280||$370||$392||$24||$118||$1,184||$99|
|F-150 STX Super Cab 4WD||$280||$370||$392||$24||$118||$1,184||$99|
|F-150 XLT Super Cab 4WD||$280||$370||$392||$24||$118||$1,184||$99|
|F-150 FX2 2WD||$280||$450||$392||$24||$118||$1,264||$105|
|F-150 Lariat Super Cab 2WD||$280||$450||$392||$24||$118||$1,264||$105|
|F-150 Lariat Crew Cab 2WD||$280||$450||$392||$24||$118||$1,264||$105|
|F-150 FX4 Super Cab 4WD||$280||$450||$392||$24||$118||$1,264||$105|
|F-150 XLT Crew Cab 4WD||$280||$450||$392||$24||$118||$1,264||$105|
|F-150 FX4 4WD||$280||$450||$392||$24||$118||$1,264||$105|
|F-150 Lariat Crew Cab 4WD||$280||$450||$392||$24||$118||$1,264||$105|
|F-150 SVT Raptor Super Cab 4WD||$280||$450||$392||$24||$118||$1,264||$105|
|F-150 Lariat Super Cab 4WD||$280||$450||$392||$24||$118||$1,264||$105|
|F-150 Lariat Crew Cab Platinum 2WD||$280||$532||$392||$24||$118||$1,346||$112|
|F-150 Lariat Crew Cab Harley 2WD||$280||$532||$392||$24||$118||$1,346||$112|
|F-150 Lariat King Ranch 2WD||$280||$532||$392||$24||$118||$1,346||$112|
|F-150 Lariat King Ranch 4WD||$312||$532||$392||$24||$118||$1,378||$115|
|F-150 Lariat Crew Cab Harley 4WD||$312||$532||$392||$24||$118||$1,378||$115|
|F-150 Lariat Crew Cab Platinum 4WD||$312||$532||$392||$24||$118||$1,378||$115|
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Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rates do not factor in Tampa location which can raise or lower coverage prices considerably.
The chart below demonstrates how deductibles and can increase or decrease Ford F-150 yearly insurance costs for different ages of insureds. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
Poor driving habits will raise your auto insurance rates
The example below illustrates how speeding tickets and accidents impact Ford F-150 insurance costs for different age categories. The information is based on a married male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.
Liability only or full coverage
The information below compares Ford F-150 car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Florida. The data assumes no driving violations, no at-fault accidents, $100 deductibles, single marital status, and no discounts are factored in.
Should you buy full coverage or liability only?
There is no definitive formula that works best for making the decision to drop full coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let's pretend your Ford F-150 claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $7,000 after the policy deductible has been paid. If you are paying over $700 annually for physical damage coverage, then you may need to consider dropping full coverage.
There are some circumstances where only buying liability is not recommended. If you haven't paid off your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
When do I need an agent's advice?
Keep in mind that when it comes to choosing adequate coverage for your personal vehicles, there really isn't a best way to insure your cars. Each situation is unique.
For instance, these questions may help you determine if you would benefit from professional advice.
- Do I have coverage if I rent a car in Mexico?
- Which companies are cheaper for teen drivers?
- Will I lose any money if I cancel my policy before it expires?
- Am I covered if hit by an uninsured driver?
- What is the difference between comprehensive and collision coverage?
- When should my teen driver be added to my policy?
- Does my insurance cover a custom paint job?
- Where can I get insurance after a DUI in Florida?
If you don't know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.
Local insurance agents
Many people would prefer to sit down and talk to an agent and doing that can be a smart decision Good agents can make sure you are properly covered and help in the event of a claim. A good thing about price shopping on the web is that you can obtain better rates and also buy local.
To help locate an agent, after submitting this form (opens in new window), the quote information is sent to agents in your area who will gladly provide quotes for your auto insurance coverage. You won't need to visit any agencies because quoted prices will be sent to your email. If you want to get a rate quote from a particular provider, just navigate to their website to submit a rate quote request.
Finding a good insurance company should depend on more than just the bottom line cost. A good agent in Tampa will have answers to these questions.
- Which companies can they place coverage with?
- What are their preferred companies if they are an independent agency?
- Do they prorate repair cost based on vehicle mileage?
- Are they primarily personal or commercial lines agents in Tampa?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- How will an accident affect your rates?
- Is coverage determined by price?
- Can they give you a list of client referrals?
Florida car insurance companies ranked
Picking a highly-rated car insurance company can be challenging considering how many different companies there are to choose from in Florida. The information shown below can help you choose which providers you want to consider purchasing a policy from.
Top 10 Tampa Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General