Ford F-150 Insurance Rates in Austin

Do you want to save money by buying low-cost Ford F-150 insurance in Austin? Wish you could get a refund on high-priced Ford F-150 insurance in Austin? You’re in good company because many consumers are feeling buyer’s remorse and feel like there’s no way out.

Insurance rates Ford F-150 in AustinIt’s astonishing, but nearly 70% of drivers renewed their policy with the same company for more than four years, and approximately 40% of consumers have never shopped around. The average driver in Austin could save approximately $1,766 a year by just comparing rate quotes, but they feel it’s too difficult to save money by comparing rate quotes.

Numerous insurance companies battle for your insurance dollar, and it can be difficult to compare rates to find the absolute lowest rate possible on Ford F-150 insurance in Austin.

It’s important to get comparison quotes once or twice a year since insurance prices go up and down regularly. Even if you think you had the best rates on Ford F-150 insurance in Austin six months ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to one of the quickest ways to reduce your cost while improving coverage.

If you currently have insurance, you will definitely be able to reduce the price you pay using these tips. Locating the best rates in Austin is much easier if you have a good place to start. Although Texas car owners can benefit by having an understanding of the methods companies use to calculate your insurance rates and take advantage of how the system works.

Low-cost car insurance in Austin, TX

The companies shown below can provide free rate quotes in Texas. If more than one company is shown, it’s a good idea that you click on several of them to get a more complete price comparison.

Ford F-150 Insurance Rates in Austin, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $180 $252 $400 $24 $120 $976 $81
F-150 STX Regular Cab 2WD $246 $476 $400 $24 $120 $1,266 $106
F-150 XL Super Cab 2WD $326 $486 $500 $30 $150 $1,492 $124
F-150 XLT Regular Cab 2WD $136 $252 $430 $26 $128 $972 $81
F-150 STX Super Cab 2WD $274 $550 $496 $30 $148 $1,498 $125
F-150 XL Crew Cab 2WD $174 $290 $496 $30 $148 $1,138 $95
F-150 XLT Super Cab 2WD $364 $598 $514 $30 $154 $1,660 $138
F-150 STX Regular Cab 4WD $240 $328 $382 $22 $114 $1,086 $91
F-150 XL Regular Cab 4WD $206 $338 $430 $26 $128 $1,128 $94
F-150 FX2 Super Cab 2WD $282 $502 $430 $26 $128 $1,368 $114
F-150 XLT Crew Cab 2WD $254 $400 $400 $24 $120 $1,198 $100
F-150 XL Super Cab 4WD $282 $502 $430 $26 $128 $1,368 $114
F-150 XLT Regular Cab 4WD $282 $502 $430 $26 $128 $1,368 $114
F-150 XL Crew Cab 4WD $308 $328 $500 $30 $150 $1,316 $110
F-150 STX Super Cab 4WD $186 $236 $392 $24 $118 $956 $80
F-150 XLT Super Cab 4WD $256 $338 $358 $22 $108 $1,082 $90
F-150 FX2 2WD $326 $570 $462 $28 $138 $1,524 $127
F-150 Lariat Super Cab 2WD $260 $452 $496 $30 $148 $1,386 $116
F-150 Lariat Crew Cab 2WD $322 $486 $388 $24 $116 $1,336 $111
F-150 FX4 Super Cab 4WD $318 $580 $430 $26 $128 $1,482 $124
F-150 XLT Crew Cab 4WD $246 $368 $392 $24 $118 $1,148 $96
F-150 FX4 4WD $358 $580 $388 $24 $116 $1,466 $122
F-150 Lariat Crew Cab 4WD $234 $312 $500 $30 $150 $1,226 $102
F-150 SVT Raptor Super Cab 4WD $186 $288 $392 $24 $118 $1,008 $84
F-150 Lariat Super Cab 4WD $356 $670 $496 $30 $148 $1,700 $142
F-150 Lariat Crew Cab Platinum 2WD $286 $602 $430 $26 $128 $1,472 $123
F-150 Lariat Crew Cab Harley 2WD $286 $572 $400 $24 $120 $1,402 $117
F-150 Lariat King Ranch 2WD $206 $368 $382 $22 $114 $1,092 $91
F-150 Lariat King Ranch 4WD $362 $672 $462 $28 $138 $1,662 $139
F-150 Lariat Crew Cab Harley 4WD $258 $462 $400 $24 $120 $1,264 $105
F-150 Lariat Crew Cab Platinum 4WD $318 $572 $430 $26 $128 $1,474 $123
Get Your Own Custom Quote Go

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium costs do not factor in specific location information which can increase or decrease auto insurance rates substantially.

Full coverage rates compared to liability-only

The example below visualizes the comparison of Ford F-150 insurance prices with full coverage compared to only the Texas minimum liability coverage. The rates are based on no tickets, no at-fault accidents, $1,000 deductibles, single male driver, and no discounts are applied to the premium.

When to stop buying physical damage coverage

There is no written rule of when to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s say your Ford F-150 book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after the deductible is paid. If you are paying in excess of $700 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some conditions where dropping full coverage is not financially feasible. If you still owe a portion of the original loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not opt for liability only.

Lower Your Austin Insurance Prices

Many different elements are part of the equation when you get your auto insurance bill. Some are obvious like a motor vehicle report, but other factors are not quite as obvious such as your marital status and annual miles driven.

Listed below are some of the most common factors used by your company to calculate rates.

Lower-cost Ford F-150 insurance in Austin

Some companies do not list every available discount very clearly, so here is a list a few of the more common in addition to some of the lesser obvious credits available to you.Car insurance discounts

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most cut specific coverage prices like medical payments or collision. Despite the fact that it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

To choose car insurance companies with discount rates in Austin, click here to view.

Neighborhood insurance agents

Many drivers prefer to have an agent’s advice and that is a smart decision An additional benefit of comparing insurance prices online is the fact that drivers can get cheap car insurance quotes and still choose a local agent. Putting coverage with neighborhood agents is important particularly in Austin.

Austin insurance agentsTo make it easy to find an agent, after completing this simple form, the coverage information is emailed to agents in your area who will give you quotes for your insurance coverage. You don’t have to drive around due to the fact that quote results will go immediately to you. You’ll get the best rates without requiring a lot of work. In the event you want to compare prices from a specific company, you can always search and find their rate quote page and submit a quote form there.

If you want to use a reliable insurance agency, it’s helpful to know the different agency structures and how they work. Agents in Austin can be classified as either exclusive or independent (non-exclusive).

Independent Agencies or Brokers

Agents that elect to be independent do not sell for just one brand so they can insure your vehicles with lots of companies and help determine which has the cheapest rates. If you are not satisfied with one company, they simply move the coverage in-house and you stay with the same agent. When comparing rate quotes, you need to compare quotes from at least one independent agent to have the best price comparison.

Featured below is a short list of independent agents in Austin that can give you price quotes.

512 W Stassney Ln #113Austin, TX 78745(512) 445-5555View Map

1221 S MoPac ExpyAustin, TX 78746(512) 477-6745View Map

4301 W. William Cannon Dr., Ste. B-120Austin, TX 78749(512) 263-4333View Map

More insurance agents

Exclusive Insurance Agencies

Agents that choose to be exclusive can only provide one company’s prices such as Farmers Insurance or State Farm. They generally cannot give you multiple price quotes so you might not find the best rates. These agents are highly trained on sales techniques and that can be a competitive advantage.

Shown below is a list of exclusive agencies in Austin that are able to give price quote information.

7004 Bee Cave Rd #3Austin, TX 78746(512) 327-6200View Map

8700 Manchaca Rd #405Austin, TX 78748(512) 280-9700View Map

1807 W Slaughter Ln Ste 400Austin, TX 78748(512) 292-7410View Map

More insurance agents

Selecting an auto insurance agent shouldn’t rely on just a low price. The questions below may impact your decision as well.

Can you really save that much by switching?

Respected companies like Allstate and Progressive continually stream ads on television and other media. All the companies convey the message that people will save just by moving your car insurance coverage to their company. That’s great but how can every company say the same thing? It’s all in the wording.

All the different companies provide the lowest rates for the type of insured that is profitable for them. One example of this type of risk profile might be described as a mature driver, has few claims, and has a short commute. A customer getting a price quote who matches that profile receives the best rates in Austin as well as save when switching.

People who do not meet those criteria will have to pay a higher rate and this results in the prospect going elsewhere. If you pay attention, the ads say “drivers who switch” but not “everyone who gets a quote” save the amount stated. That’s why insurance companies can confidently claim big savings.

Because each company has a different risk profile, you really should do a quote comparison often. It’s not possible to predict the company that will provide the lowest Ford F-150 insurance in Austin.

When do I need an agent’s advice?

Always remember that when buying your policy, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that.Higher deductibles save money
For example, these questions might help in determining if you might need an agent’s assistance.

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

How much can you save?

Some insurance companies don’t offer online quoting and usually these small, regional companies only sell coverage through independent agents. The cheapest Ford F-150 insurance in Austin can be bought both online as well as from insurance agents, so you need to compare both to have the best rate selection.

You just learned many tips how you can get a better price on Ford F-150 insurance in Austin. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding affordable Ford F-150 insurance quotes. You may even discover the biggest savings come from some of the smallest insurance companies. These smaller insurers often have lower rates on specific markets than the large multi-state companies such as Progressive or GEICO.

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