Insurance for Ford F-150Do you want to save money by finding the cheapest Ford F-150 insurance in Phoenix? Are you sick and tired of scraping nickels together each month for car insurance? You have the same problem as most other consumers in Arizona.

Astonishing but true, the majority of drivers have stayed with the same insurance company for a minimum of four years, and 38% of customers have never even compared quotes to find cheap rates. With the average premium in Arizona being $1,578, drivers could save approximately 50% each year, but they just don't understand how easy it is to find cheap rates by getting comparison quotes.

Online insurance companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with ads and it is challenging if not impossible to separate fact from fiction and take the time to shop coverage around.

Consumers should take time to quote other rates once or twice a year because insurance rates change regularly. If you had the lowest premium rates on Ford F-150 insurance in Phoenix two years ago there is a good chance you can find better prices now. Forget all the misinformation about car insurance because it's time to teach you the tricks you need to know to lower your annual insurance bill.

To find the best insurance rates, there are several ways of comparing rates from different Phoenix insurance companies. By far the easiest way to find cheaper Ford F-150 rates consists of shopping online.

It's so easy to compare rate quotes online that it replaces the need to physically go to insurance agents' offices. The ability to get quotes online eliminates this option unless you have a need for the professional advice only provided by licensed Phoenix agents. Although you can price shop your coverage online but buy the policy through an agent. Just remember that getting more free quotes will improve the odds of getting the best offered rates. Not every company does Phoenix F-150 insurance quotes online, so it's important to compare quotes on coverage from those companies, too.

The companies shown below provide price comparisons in Phoenix, AZ. If multiple companies are listed, it's highly recommended you visit two to three different companies to get a more complete price comparison.

Ford F-150 Insurance Costs in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $194 $308 $338 $20 $102 $962 $80
F-150 STX Regular Cab 2WD $160 $254 $306 $18 $92 $830 $69
F-150 XL Super Cab 2WD $150 $238 $308 $18 $92 $806 $67
F-150 XLT Regular Cab 2WD $176 $326 $288 $18 $86 $894 $75
F-150 STX Super Cab 2WD $142 $266 $338 $20 $102 $868 $72
F-150 XL Crew Cab 2WD $180 $292 $390 $24 $116 $1,002 $84
F-150 XLT Super Cab 2WD $200 $330 $338 $20 $102 $990 $83
F-150 STX Regular Cab 4WD $200 $314 $314 $18 $94 $940 $78
F-150 XL Regular Cab 4WD $146 $214 $282 $16 $84 $742 $62
F-150 FX2 Super Cab 2WD $172 $238 $308 $18 $92 $828 $69
F-150 XLT Crew Cab 2WD $210 $318 $404 $24 $122 $1,078 $90
F-150 XL Super Cab 4WD $200 $314 $314 $18 $94 $940 $78
F-150 XLT Regular Cab 4WD $248 $432 $390 $24 $116 $1,210 $101
F-150 XL Crew Cab 4WD $250 $362 $390 $24 $116 $1,142 $95
F-150 STX Super Cab 4WD $148 $186 $308 $18 $92 $752 $63
F-150 XLT Super Cab 4WD $164 $214 $282 $16 $84 $760 $63
F-150 FX2 2WD $250 $456 $338 $20 $102 $1,166 $97
F-150 Lariat Super Cab 2WD $206 $308 $306 $18 $92 $930 $78
F-150 Lariat Crew Cab 2WD $250 $456 $314 $18 $94 $1,132 $94
F-150 FX4 Super Cab 4WD $204 $356 $390 $24 $116 $1,090 $91
F-150 XLT Crew Cab 4WD $280 $526 $390 $24 $116 $1,336 $111
F-150 FX4 4WD $166 $268 $288 $18 $86 $826 $69
F-150 Lariat Crew Cab 4WD $156 $240 $306 $18 $92 $812 $68
F-150 SVT Raptor Super Cab 4WD $124 $204 $282 $16 $84 $710 $59
F-150 Lariat Super Cab 4WD $290 $480 $404 $24 $122 $1,320 $110
F-150 Lariat Crew Cab Platinum 2WD $262 $460 $300 $18 $90 $1,130 $94
F-150 Lariat Crew Cab Harley 2WD $250 $538 $338 $20 $102 $1,248 $104
F-150 Lariat King Ranch 2WD $250 $520 $390 $24 $116 $1,300 $108
F-150 Lariat King Ranch 4WD $206 $290 $392 $24 $118 $1,030 $86
F-150 Lariat Crew Cab Harley 4WD $224 $382 $282 $16 $84 $988 $82
F-150 Lariat Crew Cab Platinum 4WD $154 $298 $338 $20 $102 $912 $76
Get Your Own Custom Quote Go

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in specific location which can influence rates noticeably.

Ford F-150 liability rates compared to full coverage

The diagram below shows the difference between Ford F-150 insurance costs with full coverage compared to only the Arizona minimum liability coverage. The premiums assume no claims or violations, $1,000 deductibles, single male driver, and no discounts are taken into consideration.

Should you pay for full coverage?

There is no exact formula to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let's pretend your Ford F-150 settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $6,000 after you pay the deductible. If it's costing in excess of $600 a year for physical damage coverage, then you might consider buying liability only.

There are some conditions where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should not remove full coverage.

Rate comparison of male drivers versus female drivers

The chart below visualizes the comparison of Ford F-150 car insurance costs for male and female drivers. The premiums assume no driving violations, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are applied.

Drive responsibly or pay higher rates

The information below shows how traffic citations and accident claims can influence Ford F-150 car insurance costs for each different age category. Data assumes a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

Insurance just makes sense

Even though Phoenix F-150 insurance rates can get expensive, paying for insurance may be required for several reasons.

The benefits of having insurance greatly outweigh the cost, particularly if you ever have a claim. Today the average American driver overpays as much as $800 each year so it's very important to do a rate comparison once a year at a minimum to help ensure money is not being wasted.

Save with these discounts

Some insurers don't always list every discount very clearly, so here is a list both well-publicized as well as some of the hidden credits available to you.Save money with discounts

While discounts sound great, it's important to understand that most credits do not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, companies wouldn't make money that way. Any amount of discount will lower your policy premiums.

To see a list of providers that offer discounts in Arizona, follow this link.

What if I want to buy from local Phoenix auto insurance agents?

Some people would rather have an agent's advice and often times that is recommended A good thing about getting online price quotes is that you can obtain cheap rate quotes and still have a local agent.

Once you complete this form (opens in new window), your information gets sent to companies in Phoenix who will give competitive quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to even leave your home because prices are sent directly to you. You'll get the best rates AND a local agent. In the event you want to get a rate quote from a specific insurance company, you would need to jump over to their website and submit a quote form there.

Finding the right company is decision based upon more than just the premium amount. Here are some questions you should ask.

If you would like to find a good Phoenix insurance agent, it helps to know the two different types of agents that you can choose from. Auto insurance agents are considered either independent or exclusive.

Exclusive Insurance Agencies

Agents of this type have only one company to place business with and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to give you multiple price quotes so you need to shop around if the rates are high. They receive a lot of sales training on their products and sales techniques which can be an advantage.

Shown below are Phoenix exclusive insurance agents that are able to give rate quotes.

9303 N 7th St Ste 5 - Phoenix, AZ 85020 - (602) 371-0581 - View Map

1717 E Bell Rd #7 - Phoenix, AZ 85022 - (602) 788-5359 - View Map

2600 N 44th St #110 - Phoenix, AZ 85008 - (602) 840-6655 - View Map

More Phoenix agents

Independent Insurance Agents

Independent agents are not limited to a single company so they can insure your vehicles with an assortment of companies and potentially find a lower price. If you are not satisfied with one company, they can switch companies in-house and you stay with the same agent.

When comparing auto insurance prices, you absolutely need to include rate quotes from at a minimum one independent agency to ensure the widest selection of prices.

Below is a list of independent agencies in Phoenix that can give you price quotes.

11022 N 28th Dr Suite 125 - Phoenix, AZ 85029 - (602) 564-0880 - View Map

Travelers Insurance
22601 N 19th Ave #216 - Phoenix, AZ 85027 - (623) 572-0032 - View Map

16815 S Desert Foothills Pkwy #140 - Phoenix, AZ 85048 - (480) 423-3444 - View Map

More Phoenix agents

Upon receiving good responses to any questions you may have as well as an affordable premium quote, it's possible that you found an insurance agent that meets the requirements to provide auto insurance coverage.

How do I know if I need professional advice?

When it comes to adequate coverage for your personal vehicles, there isn't really a best way to insure your cars. Your financial needs are unique so this has to be addressed.Safe vehicles cost less to insure These are some specific questions can aid in determining if your insurance needs could use an agent's help.

If it's difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.

Quote often and quote early

Discount Ford F-150 insurance in Phoenix can be bought both online in addition to local insurance agencies, and you should compare price quotes from both to have the best selection. Some insurance companies do not provide online quoting and usually these small insurance companies only sell through independent insurance agents.

In this article, we presented a lot of tips how to compare Ford F-150 insurance premium rates in Phoenix. The key concept to understand is the more times you quote, the higher your chance of finding affordable Phoenix auto insurance quotes. You may even be surprised to find that the biggest savings come from an unexpected company. Smaller companies may only write in your state and offer lower prices than their larger competitors like Allstate and Progressive.

When trying to cut insurance costs, it's very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your goal is to buy enough coverage at an affordable rate, but do not skimp to save money.

More detailed auto insurance information can be read at these sites: