Do you want a faster way to compare the cheapest Ford F-150 insurance in Phoenix? Being forced to pay for overpriced car insurance premiums can drain your savings and maybe even restrict other spending. Comparing cost estimates can lower your rates and help to reduce premiums and put more money in your pocket.
Regrettably, almost 70% of drivers in Arizona have bought car insurance from the same company for a minimum of four years, and just under half have never taken the time to shop around. American consumers can save nearly 46.5% each year just by shopping around, but they just assume it’s a time-consuming process to find lower-cost insurance by shopping around.
Many car insurance companies compete for your insurance dollar, so it’s not easy to compare every company to get the lowest rate on Ford F-150 insurance in Phoenix.
Consumers need to check car insurance prices at least once a year because prices tend to go up over time. Despite the fact that you may have had the lowest quotes on Ford F-150 insurance in Phoenix last year there may be better deals available now. Forget all the misinformation about car insurance because I’m going to teach you one of the best ways to save on car insurance.
Best companies for low-cost Ford F-150 insurance in Arizona
The companies shown below have been selected to offer price quotes in Phoenix, AZ. If more than one company is shown, we suggest you get price quotes from several of them in order to get a fair rate comparison.
|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||$216||$432||$390||$24||$116||$1,178||$98|
|F-150 XL Super Cab 2WD||$124||$202||$300||$18||$90||$734||$61|
|F-150 XLT Regular Cab 2WD||$250||$470||$404||$24||$122||$1,270||$106|
|F-150 STX Super Cab 2WD||$194||$394||$338||$20||$102||$1,048||$87|
|F-150 XL Crew Cab 2WD||$222||$376||$338||$20||$102||$1,058||$88|
|F-150 XLT Super Cab 2WD||$162||$254||$314||$18||$94||$842||$70|
|F-150 STX Regular Cab 4WD||$294||$382||$392||$24||$118||$1,210||$101|
|F-150 XL Regular Cab 4WD||$146||$214||$282||$16||$84||$742||$62|
|F-150 FX2 Super Cab 2WD||$162||$254||$314||$18||$94||$842||$70|
|F-150 XLT Crew Cab 2WD||$172||$238||$308||$18||$92||$828||$69|
|F-150 XL Super Cab 4WD||$146||$220||$288||$18||$86||$758||$63|
|F-150 XLT Regular Cab 4WD||$234||$352||$308||$18||$92||$1,004||$84|
|F-150 XL Crew Cab 4WD||$224||$318||$282||$16||$84||$924||$77|
|F-150 STX Super Cab 4WD||$238||$296||$308||$18||$92||$952||$79|
|F-150 XLT Super Cab 4WD||$250||$394||$338||$20||$102||$1,104||$92|
|F-150 FX2 2WD||$212||$314||$300||$18||$90||$934||$78|
|F-150 Lariat Super Cab 2WD||$236||$388||$404||$24||$122||$1,174||$98|
|F-150 Lariat Crew Cab 2WD||$158||$282||$362||$22||$108||$932||$78|
|F-150 FX4 Super Cab 4WD||$182||$324||$338||$20||$102||$966||$81|
|F-150 XLT Crew Cab 4WD||$286||$536||$362||$22||$108||$1,314||$110|
|F-150 FX4 4WD||$282||$456||$306||$18||$92||$1,154||$96|
|F-150 Lariat Crew Cab 4WD||$138||$240||$338||$20||$102||$838||$70|
|F-150 SVT Raptor Super Cab 4WD||$202||$324||$282||$16||$84||$908||$76|
|F-150 Lariat Super Cab 4WD||$208||$362||$362||$22||$108||$1,062||$89|
|F-150 Lariat Crew Cab Platinum 2WD||$156||$326||$390||$24||$116||$1,012||$84|
|F-150 Lariat Crew Cab Harley 2WD||$156||$326||$390||$24||$116||$1,012||$84|
|F-150 Lariat King Ranch 2WD||$286||$632||$362||$22||$108||$1,410||$118|
|F-150 Lariat King Ranch 4WD||$200||$356||$404||$24||$122||$1,106||$92|
|F-150 Lariat Crew Cab Harley 4WD||$138||$240||$282||$16||$84||$760||$63|
|F-150 Lariat Crew Cab Platinum 4WD||$174||$284||$306||$18||$92||$874||$73|
|Get Your Own Custom Quote Go|
Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Information does not factor in specific location which can affect auto insurance rates considerably.
Check for these discounts on Ford F-150 insurance in Phoenix
Some insurance providers do not advertise all possible discounts very clearly, so we took the time to find both well-publicized and the more hidden discounts you could be receiving when you buy Phoenix auto insurance online. If you do not check that you are getting every discount you qualify for, you are paying more than you should be.
- Braking Control Discount – Cars equipped with ABS or steering control are much safer to drive and will save you 10% or more on F-150 insurance in Phoenix.
- Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
- Homeowners Savings – Owning your own home or condo may trigger a policy discount on auto insurance since owning and maintaining a home is proof that your finances are in order.
- No Charge for an Accident – This one is not really a discount per se, but some insurance companies will allow you to have one accident without the usual rate increase if you are claim-free before the accident.
- Defensive Driver Discounts – Completing a course teaching driver safety skills may get you a small discount depending on where you live.
You can save money using discounts, but some credits don’t apply to your bottom line cost. A few only apply to individual premiums such as comp or med pay. Despite the fact that it seems like all the discounts add up to a free policy, companies don’t profit that way.
Companies and their offered discounts are shown below.
- AAA policyholders can earn discounts including education and occupation, multi-policy, good student, anti-theft, multi-car, good driver, and AAA membership discount.
- Progressive has discounts for online quote discount, homeowner, online signing, continuous coverage, and good student.
- State Farm discounts include driver’s education, defensive driving training, multiple policy, student away at school, and multiple autos.
- Esurance has savings for Switch & Save, paid-in-full, good driver, anti-theft, DriveSense, claim free, and good student.
- Nationwide offers premium reductions for multi-policy, defensive driving, anti-theft, business or organization, good student, and family plan.
Double check with every company which discounts you may be entitled to. Some of the discounts discussed earlier may not be available in your area. To see a list of companies that offer some of these discounts in Phoenix, click this link.
Smart Consumers Can Cut Insurance Costs
Many different elements are part of the equation when you get your auto insurance bill. Some factors are common sense such as your driving history, although some other factors are not as apparent like your vehicle usage and annual miles driven.
The items below are a few of the things used by your company to calculate your prices.
Low physical damage deductibles can be expensive – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some coverage claims would be running into the backend of another car, hail damage, or theft. The deductibles define how much you are willing to pay if a covered claim is submitted. The more of the claim the insured has to pay upfront, the less your company will charge you for insurance.
Drive lots and pay more – The higher the miles on your Ford in a year the more you’ll pay to insure it. A lot of companies calculate prices based upon how the vehicle is primarily used. Vehicles that sit idle most of the time receive better premium rates compared to those used for work or business. An improperly rated F-150 is throwing money out the window. It’s a good idea to make sure your car insurance policy properly reflects the correct usage.
Prevent theft and save – Purchasing a vehicle with advanced anti-theft systems can get you a discount on your car insurance. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent your vehicle from being stolen.
Pay more if you have a long commute – Living in areas with lower population has definite advantages when it comes to car insurance. People who live in big cities have more aggressive driving styles and a longer drive to work. Less people translates into fewer accidents in addition to lower liability claims
Vehicles with better crash test results cost less to insure – Vehicles with good safety scores tend to be cheaper to insure. The safest vehicles result in less severe injuries and fewer injuries translates directly to fewer claims and cheaper rates on your policy. If your Ford F-150 scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
Ford F-150 insurance loss probability – Car insurance companies take into consideration historical loss data for every vehicle to help set a rate to offset losses. Vehicles that tend to have higher frequency or amount of claims will have a higher cost to insure. The data below shows the insurance loss data for Ford F-150 vehicles.
For each policy coverage, the loss probability for all vehicles, regardless of make or model, is set at 100. Numbers under 100 mean the vehicle has better than average losses, while percentage numbers above 100 indicate frequent claims or an increased likelihood of larger losses.
Ford F-150 Insurance Claim Statistics
|Specific Ford 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance agencies are trained to help
Some consumers would rather talk to an insurance agent and that is OK! The best thing about getting online price quotes is the fact that you can find better rates but still work with a licensed agent. Buying insurance from local insurance agencies is important particularly in Phoenix.
To make it easy to find an agent, after completing this simple form, your coverage information gets sent to companies in Phoenix who can give free rate quotes for your insurance coverage. There is no need to visit any agencies since price quotes are sent to the email address you provide. You’ll get the best rates and work with a local agent. If you need to get a comparison quote from a specific insurance provider, you can always go to their quote page and fill out their quote form.
The type of car insurance agent you choose is important
When finding a local insurance agency, it’s important to understand the types of insurance agents and how they can write your policy. Insurance agents are classified as either independent or exclusive depending on the company they work for.
Independent Insurance Agents
Agents that elect to be independent are not limited to a single company so as a result can place your coverage through lots of different companies and get you the best rates possible. If your premiums go up, they simply switch companies in-house and you won’t have to switch agencies. If you are comparing insurance prices, it’s recommended you contact independent agents in order to have the best price comparison.
Listed below is a list of independent agencies in Phoenix that may be able to give you free price quotes.
Horizon Insurance Group
2880 E Northern Ave #100 – Phoenix, AZ 85028 – (602) 992-9750 – View Map
General Southwest Insurance Agency
5628 E Thomas Rd – Phoenix, AZ 85018 – (480) 990-1900 – View Map
American Premier Insurance Agency
16815 S Desert Foothills Pkwy #140 – Phoenix, AZ 85048 – (480) 423-3444 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive can only place business with one company such as American Family, State Farm, and Allstate. Exclusive agents cannot compare other company’s rates so it’s a take it or leave it situation. They are trained well on the products they sell which aids in selling service over price.
Below are exclusive agents in Phoenix who can help you get price quotes.
American Family Insurance – Luke Shafer
1717 E Bell Rd #7 – Phoenix, AZ 85022 – (602) 788-5359 – View Map
Arly Sanchez – State Farm Insurance Agent
1625 N 51st Ave Ste 103 – Phoenix, AZ 85035 – (602) 455-2886 – View Map
Bob Schneider – State Farm Insurance Agent
243 W Portland St – Phoenix, AZ 85003 – (602) 277-2687 – View Map
Finding a good car insurance agent should include more criteria than just the quoted price. Agents should be asked these questions:
- Does the agency provide any after hours assistance?
- Will they make sure you get an adequate claim settlement?
- What companies can they write with?
- If you raise deductibles, how much can you save?
- How does the company pay claims for a total loss?
- Does the company use OEM repair parts?
Smart shoppers get results
We’ve covered a lot of ways to find cheaper Ford F-150 insurance in Phoenix. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding cheaper Phoenix auto insurance quotes. You may even discover the best prices are with some of the lesser-known companies. Smaller companies often have lower rates on specific markets than their larger competitors like State Farm, GEICO and Nationwide.
When searching for affordable Phoenix auto insurance quotes, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, an insured cut physical damage coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase plenty of coverage at a price you can afford, but don’t skip important coverages to save money.
For more information, take a look at the following helpful articles:
- Smart Auto Insurance Tips (Insurance Information Institute)
- Who Has Affordable Auto Insurance for a Honda Civic in Phoenix? (FAQ)
- Who Has Cheap Phoenix Car Insurance Rates for a Honda Accord? (FAQ)
- Who Has the Cheapest Auto Insurance for Uber Drivers in Phoenix? (FAQ)
- Who Has Affordable Auto Insurance for Young Drivers in Phoenix? (FAQ)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)