Auto Insurance Rate Quotes for a Ford F-150 in Sacramento

Truthfully, the best way to find cheaper auto insurance rates in Sacramento is to compare prices at least once a year from different companies that sell auto insurance in California.

  1. Gain an understanding of the different coverages in a policy and the factors you can control to keep rates down. Many policy risk factors that are responsible for high rates like at-fault accidents, careless driving, and an imperfect credit rating can be eliminated by making minor driving habit or lifestyle changes. Later in this article we will cover more ideas to help prevent high rates and get additional discounts that may have been overlooked.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like GEICO and State Farm, while agents who are independent can provide prices from many different companies. View insurance agents
  3. Compare the quotes to your current policy premium to determine if you can save on F-150 insurance in Sacramento. If you find better rates, verify that coverage does not lapse between policies.
  4. Notify your company or agent of your decision to cancel your current auto insurance policy. Submit the application along with any required down payment for the new coverage. As soon as coverage is bound, put the new proof of insurance paperwork along with the vehicle’s registration papers.

One thing to remember is to use identical coverage information on every quote request and and to get prices from as many companies as possible. Doing this helps ensure a fair rate comparison and the best price quote selection.

Insurance quote for Ford F-150 in SacramentoAnyone knows that insurance companies don’t want you to look at other companies. Drivers who shop for lower rates will probably switch companies because there is a great chance of finding lower prices. A recent car insurance study revealed that people who did price comparisons regularly saved as much as $865 annually compared to drivers who never shopped for cheaper rates.

If finding budget-friendly rates on Ford F-150 insurance in Sacramento is your objective, then having a grasp of the best way to quote and compare insurance rates can make the process more efficient.

Keep in mind that comparing more prices helps you find the best offered rates.

The auto insurance companies shown below are our best choices to provide free rate quotes in California. If you wish to find the best cheap auto insurance in Sacramento, we recommend you click on several of them in order to get a fair rate comparison.

Auto insurance policy discounts for Ford F-150 insurance in Sacramento

The cost of insuring your cars can be expensive, but there are discounts available that many consumers don’t even know exist. Many discounts should be triggered when you complete an application, but some discounts are required to be asked about before you get the savings.Save money with discounts

Discounts save money, but please remember that some credits don’t apply to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. Even though the math looks like you could get a free auto insurance policy, it’s just not the way it works.

The illustration below compares Ford F-150 annual premium costs with and without discounts applied. The information is based on a male driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, homeowner, safe-driver, and multi-policy discounts applied.

To find insurers with discount rates in California, follow this link.

Auto insurance data for a Ford F-150

The rate table displayed next covers different prices for Ford F-150 models. Being aware of how auto insurance premiums are determined can assist in making smart choices when choosing a car insurance company.

Ford F-150 Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $230 $308 $416 $24 $124 $1,102 $92
F-150 STX Regular Cab 2WD $230 $392 $416 $24 $124 $1,186 $99
F-150 XL Super Cab 2WD $230 $392 $416 $24 $124 $1,186 $99
F-150 XLT Regular Cab 2WD $230 $392 $416 $24 $124 $1,186 $99
F-150 STX Super Cab 2WD $230 $392 $416 $24 $124 $1,186 $99
F-150 XL Crew Cab 2WD $262 $392 $416 $24 $124 $1,218 $102
F-150 XLT Super Cab 2WD $262 $392 $416 $24 $124 $1,218 $102
F-150 STX Regular Cab 4WD $262 $392 $416 $24 $124 $1,218 $102
F-150 XL Regular Cab 4WD $262 $392 $416 $24 $124 $1,218 $102
F-150 FX2 Super Cab 2WD $262 $392 $416 $24 $124 $1,218 $102
F-150 XLT Crew Cab 2WD $262 $392 $416 $24 $124 $1,218 $102
F-150 XL Super Cab 4WD $262 $392 $416 $24 $124 $1,218 $102
F-150 XLT Regular Cab 4WD $262 $392 $416 $24 $124 $1,218 $102
F-150 XL Crew Cab 4WD $296 $392 $416 $24 $124 $1,252 $104
F-150 STX Super Cab 4WD $296 $392 $416 $24 $124 $1,252 $104
F-150 XLT Super Cab 4WD $296 $392 $416 $24 $124 $1,252 $104
F-150 FX2 2WD $296 $478 $416 $24 $124 $1,338 $112
F-150 Lariat Super Cab 2WD $296 $478 $416 $24 $124 $1,338 $112
F-150 Lariat Crew Cab 2WD $296 $478 $416 $24 $124 $1,338 $112
F-150 FX4 Super Cab 4WD $296 $478 $416 $24 $124 $1,338 $112
F-150 XLT Crew Cab 4WD $296 $478 $416 $24 $124 $1,338 $112
F-150 FX4 4WD $296 $478 $416 $24 $124 $1,338 $112
F-150 Lariat Crew Cab 4WD $296 $478 $416 $24 $124 $1,338 $112
F-150 SVT Raptor Super Cab 4WD $296 $478 $416 $24 $124 $1,338 $112
F-150 Lariat Super Cab 4WD $296 $478 $416 $24 $124 $1,338 $112
F-150 Lariat Crew Cab Platinum 2WD $296 $562 $416 $24 $124 $1,422 $119
F-150 Lariat Crew Cab Harley 2WD $296 $562 $416 $24 $124 $1,422 $119
F-150 Lariat King Ranch 2WD $296 $562 $416 $24 $124 $1,422 $119
F-150 Lariat King Ranch 4WD $330 $562 $416 $24 $124 $1,456 $121
F-150 Lariat Crew Cab Harley 4WD $330 $562 $416 $24 $124 $1,456 $121
F-150 Lariat Crew Cab Platinum 4WD $330 $562 $416 $24 $124 $1,456 $121
Get Your Own Custom Quote Go

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rates do not factor in your specific Sacramento location which can alter auto insurance rates substantially.

Auto insurance rates based on gender

The information below shows the comparison of Ford F-150 insurance costs for male and female drivers. The premiums are based on no claims or driving citations, comp and collision included, $100 deductibles, drivers are not married, and no other discounts are factored in.

Full coverage versus liability-only

The illustration below illustrates the comparison of Ford F-150 auto insurance rates with liability coverage only compared to full coverage. The premiums assume no violations or claims, $500 deductibles, drivers are not married, and no discounts are factored in.

When to drop comprehensive and collision coverage

There is no exact formula to drop physical damage coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Ford F-150 replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,000 after paying the physical damage deductible. If it’s costing in excess of $500 a year to have full coverage, then you may need to consider dropping full coverage.

There are some cases where buying only liability insurance is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Shop online but buy locally

A lot of people still like to get professional advice from a licensed agent and that is a personal choice. One of the best bonuses of comparing insurance online is you can get the best rates but still work with a licensed agent.

Insurance agency in SacramentoTo find an agent, once you fill out this quick form, the coverage information is instantly submitted to agents in your area who will give you bids for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any agents due to the fact that quote results will go straight to your inbox. You can find the lowest rates and a licensed agent to talk to. If you need to get a comparison quote from a specific insurance provider, don’t hesitate to go to their quote page and complete a quote there.

Choosing the best provider needs to be determined by more than just a cheap price. Here are some questions you should ask.

Get Cheap Insurance Costs by Understanding These Factors

Many things are part of the equation when you get a price on insurance. Some are pretty understandable such as your driving history, but other criteria are less obvious such as whether you are married and annual miles driven.

The factors shown below are most of the major factors used by your company to calculate your premiums.

Three reasons to insure your Ford vehicle

Despite the fact that insurance is not cheap in Sacramento, maintaining insurance is a good idea for several reasons.

The benefits of carrying enough insurance are definitely more than the cost, particularly for liability claims. But the average American driver is wasting up to $869 every year so compare rates at least once a year to save money.

Car insurance savings summarized

Cheap Ford F-150 insurance in Sacramento is attainable both online and also from your neighborhood Sacramento agents, so you should compare both in order to have the best chance of saving money. A few companies may not offer the ability to get a quote online and many times these small, regional companies sell through independent agents.

In this article, we presented a lot of tips how to compare Ford F-150 insurance auto insurance rates in Sacramento. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding cheaper Sacramento car insurance quotes. You may even discover the lowest priced car insurance comes from the smaller companies. Smaller companies may have significantly lower premium rates on certain market segments than their larger competitors like State Farm and Allstate.

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