Who Has Cheap Car Insurance Quotes for a Ford F-150 in Jacksonville?

Buying cheaper car insurance for a Ford F-150 hinges on lots of different factors such as how far you commute, where you live, and violations on your driving record. Florida drivers pay around $1,546 each year to insure their F-150, but that price is a valuation using a 50-year-old single male driver with both comprehensive and collision coverage and $100 deductibles.

There’s a high likelihood you are not 50 and maybe not even a male, maybe you are married instead of single, or maybe you don’t qualify for the same discounts. The different assumptions illustrate why the best way to find cheap insurance rates for your Ford is to compare as many rates as possible. It only takes a couple of minutes and you will receive prices from top-rated car insurance companies around.

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The trim level of your vehicle tends to have a direct effect on the coverage cost, so the price you pay to insure a F-150 XL Regular Cab 2WD trim level will be $476 less expensive the insurance cost for the higher-end F-150 Lariat Crew Cab Platinum 4WD trim level, as shown below.

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in zip code location which can affect rates considerably.

Choosing a highly-rated car insurance company can be rather challenging considering how many companies sell insurance in Florida. The company rank data below could help you pick which auto insurance companies to look at when looking for cheaper rates. The rankings below only include companies with a national presence, so companies that have a smaller presence will not be included in this list.

Top 10 Large Auto Insurance Providers in Jacksonville Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

The information below highlights how deductible selection can influence annual premium costs when getting quotes for cheap insurance for a Ford F-150. The rate quotes are based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.

The chart above illustrates that a 50-year-old driver could lower their policy premium by $424 a year by increasing from a $100 deductible up to a $500 deductible, or save $642 by selecting a $1,000 deductible. Young drivers, like the 20-year-old example, could possibly save up to $1,386 annually just by choosing higher deductibles when buying full coverage. If you do raise deductibles, it’s a good idea to have enough savings to be able to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Don’t make the mistake of not shopping around

Jacksonville car insurance rates are based on many factors that will increase or decrease the cost of coverage. Simply getting older, getting married, or getting a driving violation may prompt premium changes resulting in some rates now being much cheaper than others. Not only that, but auto insurance companies file new rates at least once a year in order to offset underwriting gains or losses. Higher than usual claims may result in rate hikes, while a profitable period can produce lower-cost F-150 insurance rates.

To help illustrate this point, the chart below shows the company with the cheapest car insurance in Jacksonville, FL for a 40-year-old female driver with no prior claims, no tickets, and a good credit rating. If we estimate rates based on her current situation, USAA has the cheapest car insurance rates in Jacksonville at $1,151 a year. This is $1,297 less than the average rate paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are the remainder of the cheapest Jacksonville, FL auto insurance companies.

Now we will pretend the driver from the first example some claims, a lower credit score, and a blemish on her driving record. Due to the fact that every auto insurer has their own formula for setting rates, comparing rates will most likely result in a different list of the cheapest Jacksonville car insurance companies as shown below.

USAA now has the best car insurance rate in Jacksonville, FL with Allied, Esurance, State Farm, and Auto-Owners now rounding out the top five. This example illustrates why it is critical to perform a complete rate comparison when trying to get the most budget-friendly insurance quotes for a Ford F-150. Car insurance prices are impacted by many factors and can change without notice, so the most affordable company when you bought your policy may now not even be in the top five.

Ideas to find cheaper car insurance for a Ford F-150

The list below summarizes a few money-saving solutions that can help Florida drivers locate cheaper car insurance.

• Drop full coverage on older vehicles
• Do not file small claims
• Raise deductibles to save money
• Better credit rating means better rates
• Buy your homeowners policy from the same company as your auto insurance
• Safe vehicles cost less to insure
• Compare prices as often as possible

That last tip is remarkably significant, as was noted in this piece. Coverage prices in Jacksonville adjust frequently, so don’t hesitate to buy a different policy if a lower-cost policy is available.

Brand loyalty is not necessarily bad, but it’s not a great idea if it’s costing you a considerable chunk of change every month. It only take a few minutes to compare rates to find cheaper car insurance for a Ford F-150.

If you like to get help from a professional when comparing insurance rates for a Ford F-150, the agents shown below are a good start to provide answers to your questions and help you determine which policy is best.

To find a Jacksonville insurance agent closest to you, click the link after the list or click here to compare prices now.

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