Insurance for Ford F-150Overpriced car insurance in Erie can empty your personal savings and make it hard to pay other bills.

It's astonishing, but most consumers in Pennsylvania kept their policy with the same company for a minimum of four years, and almost half have never compared rates with other companies. Many consumers in the U.S. can save hundreds of dollars each year just by getting comparison quotes, but most just don't grasp the actual amount they would save if they switched to a more affordable policy. People have so many insurance companies to pick from, and although it's a good thing to have a selection, more options can take longer to compare company pricing for Ford F-150 insurance in Erie.

It's smart to do rate comparisons as often as possible since insurance prices change frequently. If you had the lowest price on Ford F-150 insurance in Erie at your last renewal you can probably find a better rate now. Block out anything you think you know about car insurance because you're about to learn the best methods to buy cheaper Ford F-150 insurance in Erie.

The companies shown below have been selected to offer price comparisons in Pennsylvania. If multiple companies are listed, it's highly recommended you visit as many as you can to find the lowest car insurance rates.

Ford F-150 Insurance Rates in Erie, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $136 $174 $330 $20 $98 $758 $63
F-150 STX Regular Cab 2WD $246 $420 $330 $20 $98 $1,114 $93
F-150 XL Super Cab 2WD $172 $322 $428 $26 $128 $1,076 $90
F-150 XLT Regular Cab 2WD $132 $250 $428 $26 $128 $964 $80
F-150 STX Super Cab 2WD $118 $218 $346 $20 $104 $806 $67
F-150 XL Crew Cab 2WD $200 $278 $336 $20 $100 $934 $78
F-150 XLT Super Cab 2WD $236 $284 $432 $26 $130 $1,108 $92
F-150 STX Regular Cab 4WD $122 $188 $316 $18 $94 $738 $62
F-150 XL Regular Cab 4WD $244 $412 $346 $20 $104 $1,126 $94
F-150 FX2 Super Cab 2WD $314 $518 $444 $26 $134 $1,436 $120
F-150 XLT Crew Cab 2WD $290 $352 $432 $26 $130 $1,230 $103
F-150 XL Super Cab 4WD $314 $518 $444 $26 $134 $1,436 $120
F-150 XLT Regular Cab 4WD $258 $386 $340 $20 $102 $1,106 $92
F-150 XL Crew Cab 4WD $246 $346 $346 $20 $104 $1,062 $89
F-150 STX Super Cab 4WD $278 $346 $336 $20 $100 $1,080 $90
F-150 XLT Super Cab 4WD $200 $278 $346 $20 $104 $948 $79
F-150 FX2 2WD $226 $338 $336 $20 $100 $1,020 $85
F-150 Lariat Super Cab 2WD $202 $270 $432 $26 $130 $1,060 $88
F-150 Lariat Crew Cab 2WD $274 $502 $372 $22 $112 $1,282 $107
F-150 FX4 Super Cab 4WD $328 $428 $432 $26 $130 $1,344 $112
F-150 XLT Crew Cab 4WD $170 $304 $428 $26 $128 $1,056 $88
F-150 FX4 4WD $246 $424 $310 $18 $92 $1,090 $91
F-150 Lariat Crew Cab 4WD $274 $502 $346 $20 $104 $1,246 $104
F-150 SVT Raptor Super Cab 4WD $274 $528 $372 $22 $112 $1,308 $109
F-150 Lariat Super Cab 4WD $354 $630 $444 $26 $134 $1,588 $132
F-150 Lariat Crew Cab Platinum 2WD $234 $408 $330 $20 $98 $1,090 $91
F-150 Lariat Crew Cab Harley 2WD $170 $360 $428 $26 $128 $1,112 $93
F-150 Lariat King Ranch 2WD $152 $312 $372 $22 $112 $970 $81
F-150 Lariat King Ranch 4WD $170 $312 $372 $22 $112 $988 $82
F-150 Lariat Crew Cab Harley 4WD $220 $390 $444 $26 $134 $1,214 $101
F-150 Lariat Crew Cab Platinum 4WD $306 $590 $372 $22 $112 $1,402 $117
Get Your Own Custom Quote Go

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in specific Erie garaging location which can modify auto insurance rates considerably.

Car insurance rates are higher with tickets and accidents

The example below shows how speeding tickets and at-fault accidents raise Ford F-150 annual premium costs for each different age group. Data assumes a married male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Cost of full coverage

The example below shows the comparison of Ford F-150 auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no violations or claims, $500 deductibles, married male driver, and no discounts are applied to the premium.

Are you wasting money paying for full coverage?

There is no definitive formula of when to drop full coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than around 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let's pretend your Ford F-150 claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $7,000 after paying your deductible. If you are paying over $700 annually for physical damage coverage, then it's probably a good time to buy liability coverage only.

There are some scenarios where dropping physical damage coverage is not a good idea. If you haven't satisfied your loan, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Get discounts to get affordable Erie car insurance quotes

Companies don't always advertise every discount they offer in a way that's easy to find, so we researched some of the best known and the harder-to-find discounts that may be available.Save money with discounts

We need to note that most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, company stockholders wouldn't be very happy.

To see companies who offer discounts in Erie, click here to view.

Insurance agents can help

Some consumers still like to talk to a local agent and that is OK! Most agents can answer important questions and help submit paperwork. A nice benefit of getting free rate quotes online is that you can obtain cheap auto insurance quotes and still have an agent to talk to. And supporting neighborhood insurance agencies is important especially in Erie.

Find insurance agent in ErieAfter filling out this form (opens in new window), the coverage information is immediately sent to local insurance agents in Erie who want to provide quotes for your business. It simplifies rate comparisons since you won't have to search for any insurance agencies because prices are sent to you instantly. If you need to get a price quote from one company in particular, you just need to search and find their rate quote page and complete a quote there.

If you're trying to find a reputable agency, it can be helpful to understand the types of insurance agents that differ in how they can insure your vehicles. Agencies in Erie can be described as either exclusive or independent. Either can insure your vehicles properly, but it's worth learning how they are different since it can affect your selection of an agent.

Independent Agents

Independent agents are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and find you cheaper rates. If premiums increase, an independent agent can move your coverage and you don't have to find a new agent.

If you are trying to find cheaper rates, we recommend you get quotes from multiple independent agents so that you can do a thorough price comparison.

Featured below are independent insurance agencies in Erie who may provide cheap rate quotes.

Loesel-Schaaf Insurance Agency
3537 W 12th St - Erie, PA 16505 - (814) 833-5433 - View Map

2403 W 26th St - Erie, PA 16506 - (814) 838-3005 - View Map

3132 Sterrettania Rd - Erie, PA 16505 - (814) 833-0611 - View Map

View more Erie agents

Exclusive Auto Insurance Agents

Exclusive agencies can only provide pricing for a single company and examples are Allstate, AAA, Farmers Insurance, and State Farm. They usually cannot provide other company's prices so they have no alternatives for high prices. Exclusive agents are very knowledgeable on their products and sales techniques which helps them sell on service rather than price.

Listed below is a short list of exclusive insurance agencies in Erie willing to provide price quote information.

717 Indiana Dr - Erie, PA 16505 - (814) 455-8669 - View Map

952 W 38th St - Erie, PA 16508 - (814) 866-1941 - View Map

1703 W 26th St - Erie, PA 16508 - (814) 456-6138 - View Map

View more Erie agents

Picking the best car insurance agent should include more criteria than just the bottom line cost. These are some questions your agent should answer.

Upon receiving good feedback to any questions you have as well as a price you're happy with, you may have just found an insurance agency that is a good match to adequately provide auto insurance.

Get Cheap Insurance Premiums by Understanding These Factors

A large part of saving on auto insurance is knowing the factors that help calculate your premiums. If you understand what controls the rates you pay, this empowers consumers to make smart changes that could help you find lower auto insurance prices.

Listed below are some of the items used by insurance companies to determine your premiums.

Auto insurance is not optional but you don't have to overpay

Even though Erie F-150 insurance rates can get expensive, paying for auto insurance may be required and benefits you in several ways.

The benefits of buying enough insurance greatly outweigh the cost, specifically if you ever have a liability claim. The average driver in Pennsylvania overpays more than $865 each year so compare rate quotes at least once a year to ensure rates are competitive.

Smart consumers save more

When getting Erie car insurance quotes online, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced full coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.

Some auto insurance companies do not offer online quoting and usually these regional carriers only sell coverage through independent agents. Low-cost Ford F-150 insurance in Erie can be bought from both online companies and also from your neighborhood Erie agents, so you need to compare both so you have a total pricing picture.

More information is located at the links below