The best way we recommend to find discount auto insurance rates is to do a yearly price comparison from companies who sell auto insurance in Scottsdale.
- First, read and learn about how companies set rates and the things you can control to prevent expensive coverage. Many risk factors that cause high rates like distracted driving and bad credit can be improved by making small lifestyle or driving habit changes. Keep reading for tips to help find cheaper rates and get discounts that may be overlooked.
- Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or State Farm, while independent agencies can give you price quotes for a wide range of companies. Compare rates now
- Third, compare the price quotes to your existing rates to determine if you can save on F-150 insurance in Scottsdale. If you find a lower rate and buy the policy, ensure there is no coverage lapse between policies.
- Fourth, provide proper notification to your current company to cancel the current policy. Submit the required down payment along with the signed application to your new insurance company. Immediately keep your new proof of insurance paperwork with your vehicle’s registration.
A good tip to remember is that you use the same deductibles and limits on every quote and and to analyze every company you can. Doing this guarantees the most accurate price comparison and and a good selection of different prices.
Unbelievable but true according to a study the vast majority of auto insurance customers have stayed with the same insurance company for at least the last four years, and 38% of drivers have never even shopped around for lower-cost coverage. Drivers in Arizona can save about 50% each year just by comparing rates, but they just don’t understand how easy it is to compare rates and save money.
Rate information and statistics
The premium table displayed next outlines detailed analysis of insurance coverage prices for Ford F-150 models. Learning more about how rates are formulated is important for making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $188 | $202 | $392 | $24 | $118 | $924 | $77 |
| F-150 STX Regular Cab 2WD | $188 | $258 | $392 | $24 | $118 | $980 | $82 |
| F-150 XL Super Cab 2WD | $188 | $258 | $392 | $24 | $118 | $980 | $82 |
| F-150 XLT Regular Cab 2WD | $188 | $258 | $392 | $24 | $118 | $980 | $82 |
| F-150 STX Super Cab 2WD | $188 | $258 | $392 | $24 | $118 | $980 | $82 |
| F-150 XL Crew Cab 2WD | $214 | $258 | $392 | $24 | $118 | $1,006 | $84 |
| F-150 XLT Super Cab 2WD | $214 | $258 | $392 | $24 | $118 | $1,006 | $84 |
| F-150 STX Regular Cab 4WD | $214 | $258 | $392 | $24 | $118 | $1,006 | $84 |
| F-150 XL Regular Cab 4WD | $214 | $258 | $392 | $24 | $118 | $1,006 | $84 |
| F-150 FX2 Super Cab 2WD | $214 | $258 | $392 | $24 | $118 | $1,006 | $84 |
| F-150 XLT Crew Cab 2WD | $214 | $258 | $392 | $24 | $118 | $1,006 | $84 |
| F-150 XL Super Cab 4WD | $214 | $258 | $392 | $24 | $118 | $1,006 | $84 |
| F-150 XLT Regular Cab 4WD | $214 | $258 | $392 | $24 | $118 | $1,006 | $84 |
| F-150 XL Crew Cab 4WD | $242 | $258 | $392 | $24 | $118 | $1,034 | $86 |
| F-150 STX Super Cab 4WD | $242 | $258 | $392 | $24 | $118 | $1,034 | $86 |
| F-150 XLT Super Cab 4WD | $242 | $258 | $392 | $24 | $118 | $1,034 | $86 |
| F-150 FX2 2WD | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| F-150 Lariat Super Cab 2WD | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| F-150 Lariat Crew Cab 2WD | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| F-150 FX4 Super Cab 4WD | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| F-150 XLT Crew Cab 4WD | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| F-150 FX4 4WD | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| F-150 Lariat Crew Cab 4WD | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| F-150 SVT Raptor Super Cab 4WD | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| F-150 Lariat Super Cab 4WD | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| F-150 Lariat Crew Cab Platinum 2WD | $242 | $370 | $392 | $24 | $118 | $1,146 | $96 |
| F-150 Lariat Crew Cab Harley 2WD | $242 | $370 | $392 | $24 | $118 | $1,146 | $96 |
| F-150 Lariat King Ranch 2WD | $242 | $370 | $392 | $24 | $118 | $1,146 | $96 |
| F-150 Lariat King Ranch 4WD | $270 | $370 | $392 | $24 | $118 | $1,174 | $98 |
| F-150 Lariat Crew Cab Harley 4WD | $270 | $370 | $392 | $24 | $118 | $1,174 | $98 |
| F-150 Lariat Crew Cab Platinum 4WD | $270 | $370 | $392 | $24 | $118 | $1,174 | $98 |
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Table data does not factor in your specific Scottsdale location which can lower or raise auto insurance rates considerably.
The example below highlights how deductible choice and can affect Ford F-150 premium costs for different age groups. The rate quotes are based on a married male driver, full coverage, and no discounts are applied.
Learn How to Lower Your Insurance Rates
Many different elements are taken into consideration when you get a price on insurance. Some of the criteria are obvious like an MVR report, but some are not quite as obvious like where you live or how financially stable you are. When buying auto insurance it’s important to understand the rating factors that aid in calculating the level of your policy premiums. If you understand what determines premiums, this empowers consumers to make smart changes that could help you find lower rates.
The list below includes a few of the “ingredients” auto insurance companies consider when setting your premiums.
Your address can modify price – Choosing to live in less populated areas of the country has it’s advantages when it comes to auto insurance. People who live in big cities have to deal with traffic congestion and a longer drive to work. Fewer drivers and short commutes means reduced accidents and a lower car theft rate.
Use one insurance company and save – The majority of auto insurance companies give better rates to insureds who have multiple policies with them such as combining an auto and homeowners policy. Even if you’re getting this discount drivers will still want to check prices from other companies to ensure the best deal.There is a chance you can save even more even if you insure with multiple companies
Car insurance liability protection limits – A critical coverage on your policy, liability insurance will afford coverage if ever you are determined to be liable for personal injury or accident damage. It will provide legal defense coverage starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
Never let your auto insurance policy lapse – Going without insurance will be a fast way to bump up your auto insurance costs. In addition to paying higher rates, the inability to provide proof of insurance could earn you fines and jail time. Then you may be required to prove you have insurance by filing a SR-22 with the Arizona motor vehicle department.
The type of vehicle makes a difference – The type of car you need to insure makes a huge difference in the rate you pay. The lowest base rates are generally reserved for smaller low performance passenger cars, but that’s not the only thing that factors into the final price.
The chart below is based on a single male driver age 20, full coverage with $500 deductibles, and no discounts or violations. It illustrates Ford F-150 insurance premiums compared to other models of vehicles that have different risk factors.
Having a spouse reduces risk – Having a spouse may cut your premiums on your auto insurance bill. Marriage may mean you are more responsible and it’s statistically proven that married drivers get in fewer accidents.
Your employer can affect prices – Occupations like fire fighters, police officers, and miners tend to pay higher rates than the rest of us in part from high stress and long work hours. On the other hand, occupations like actors, historians and performers have the lowest average rates.
Insurance losses for a Ford F-150 – Companies use data from past claims when they calculate premium rates for each model. Vehicles that the data determines to have a higher amount or frequency of claims will have higher rates for specific coverages. The table below illustrates the loss history for Ford F-150 vehicles.
For each policy coverage, the claim amount for all vehicles averaged together is a value of 100. Percentage values below 100 suggest a better than average loss history, while values that are above 100 indicate frequent claims or an increased likelihood of larger losses.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford F-150 SuperCab 4WD | 67 | 110 | 39 | |||
| Ford F-150 SuperCrew 2WD | 42 | 93 | 72 | |||
| Ford F-150 SuperCrew 4WD | 75 | 76 | 101 | 56 | 57 | 76 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
You can find affordable coverage
We’ve covered a lot of techniques to reduce Ford F-150 insurance premium rates online in Scottsdale. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the best price on insurance is with a smaller regional carrier. Smaller companies may only write in your state and offer lower prices as compared to the big name companies such as State Farm, GEICO and Nationwide.
The cheapest Ford F-150 insurance in Scottsdale can be purchased from both online companies as well as from independent agents in Scottsdale, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not have rates over the internet and most of the time these smaller companies only sell through local independent agencies.
As you quote Scottsdale car insurance, you should never skimp on coverage in order to save money. There have been many cases where consumers will sacrifice physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage for the lowest price, but do not skimp to save money.
More detailed insurance information can be read in the articles below:
- Medical Payments Coverage (Liberty Mutual)
- Who Has Cheap Car Insurance Quotes for a Subaru Forester in Scottsdale? (FAQ)
- What Insurance is Cheapest for Postal Workers in Scottsdale? (FAQ)
- Who Has Affordable Car Insurance Rates for Good Drivers in Scottsdale? (FAQ)
- Who Has Affordable Auto Insurance Rates for 19 Year Olds in Scottsdale? (FAQ)
- Who Has Affordable Auto Insurance for Uninsured Drivers in Scottsdale? (FAQ)
- Who Has the Cheapest Scottsdale Auto Insurance for a Learners Permit? (FAQ)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Auto Insurance Learning Center (State Farm)
- Event Data Recorders FAQ (iihs.org)