Insurance for Ford F-150Do you think you bought overpriced Ford F-150 insurance in Philadelphia? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out.

Surprisingly, a recent survey revealed that nearly 70% of drivers have purchased from the same company for a minimum of four years, and nearly the majority have never shopped around. Drivers in Philadelphia could save approximately $700 every year by just comparing rate quotes, but they won't spend time to shop their coverage around.

Lots of auto insurance companies contend for your hard-earned dollar, so it can be very hard to choose a company and get the definite lowest rate on Ford F-150 insurance in Philadelphia.

Just remember that making a lot of price comparisons will enable you to find the best price.

The auto insurance companies shown below have been selected to offer price quotes in Pennsylvania. To locate the cheapest auto insurance in Pennsylvania, it's a good idea that you visit two to three different companies in order to find the cheapest rates.

Ford F-150 Insurance Costs in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $246 $330 $330 $20 $98 $1,024 $85
F-150 STX Regular Cab 2WD $212 $398 $428 $26 $128 $1,192 $99
F-150 XL Super Cab 2WD $190 $346 $372 $22 $112 $1,042 $87
F-150 XLT Regular Cab 2WD $242 $484 $398 $24 $120 $1,268 $106
F-150 STX Super Cab 2WD $282 $420 $432 $26 $130 $1,290 $108
F-150 XL Crew Cab 2WD $196 $292 $310 $18 $92 $908 $76
F-150 XLT Super Cab 2WD $314 $518 $444 $26 $134 $1,436 $120
F-150 STX Regular Cab 4WD $202 $326 $398 $24 $120 $1,070 $89
F-150 XL Regular Cab 4WD $178 $292 $372 $22 $112 $976 $81
F-150 FX2 Super Cab 2WD $250 $406 $398 $24 $120 $1,198 $100
F-150 XLT Crew Cab 2WD $198 $300 $316 $18 $94 $926 $77
F-150 XL Super Cab 4WD $180 $222 $432 $26 $130 $990 $83
F-150 XLT Regular Cab 4WD $218 $346 $372 $22 $112 $1,070 $89
F-150 XL Crew Cab 4WD $320 $420 $330 $20 $98 $1,188 $99
F-150 STX Super Cab 4WD $178 $222 $330 $20 $98 $848 $71
F-150 XLT Super Cab 4WD $182 $242 $316 $18 $94 $852 $71
F-150 FX2 2WD $224 $390 $428 $26 $128 $1,196 $100
F-150 Lariat Super Cab 2WD $250 $434 $316 $18 $94 $1,112 $93
F-150 Lariat Crew Cab 2WD $288 $428 $330 $20 $98 $1,164 $97
F-150 FX4 Super Cab 4WD $180 $286 $310 $18 $92 $886 $74
F-150 XLT Crew Cab 4WD $246 $442 $372 $22 $112 $1,194 $100
F-150 FX4 4WD $234 $346 $330 $20 $98 $1,028 $86
F-150 Lariat Crew Cab 4WD $274 $502 $372 $22 $112 $1,282 $107
F-150 SVT Raptor Super Cab 4WD $354 $630 $444 $26 $134 $1,588 $132
F-150 Lariat Super Cab 4WD $260 $426 $444 $26 $134 $1,290 $108
F-150 Lariat Crew Cab Platinum 2WD $234 $408 $330 $20 $98 $1,090 $91
F-150 Lariat Crew Cab Harley 2WD $328 $506 $432 $26 $130 $1,422 $119
F-150 Lariat King Ranch 2WD $246 $494 $346 $20 $104 $1,210 $101
F-150 Lariat King Ranch 4WD $356 $622 $444 $26 $134 $1,582 $132
F-150 Lariat Crew Cab Harley 4WD $226 $318 $432 $26 $130 $1,132 $94
F-150 Lariat Crew Cab Platinum 4WD $192 $312 $336 $20 $100 $960 $80
Get Your Own Custom Quote Go

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in specific zip code location which can lower or raise rates substantially.

Premiums by gender and age

The diagram below shows the comparison of Ford F-150 car insurance costs for male and female drivers. The prices are based on no claims or violations, comp and collision included, $1,000 deductibles, drivers are not married, and no discounts are factored in.

How high should deductibles be?

The diagram below illustrates how choosing a deductible and can raise or lower Ford F-150 annual premium costs for different categories of driver ages. Data assumes a married female driver, full coverage, and no discounts are applied to the premium.

Don't neglect these discounts on Ford F-150 insurance in Philadelphia

Companies don't always publicize every available discount very clearly, so here is a list some of the best known as well as some of the hidden discounts you could be receiving when you buy Philadelphia car insurance online. If you check and find you aren't receiving every discount possible, you are just wasting money.Cheaper car insurance with discounts

Please keep in mind that most discounts do not apply to the whole policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, company stockholders wouldn't be very happy.

Larger car insurance companies and the discounts they provide are detailed below.

It's a good idea to ask all companies you are considering which discounts can lower your rates. All car insurance discounts may not apply to policies in Philadelphia. To see insurance companies who offer cheap Ford F-150 insurance quotes in Philadelphia, click this link.

How Your F-150 Insurance Prices are Determined

Many factors are used when you get a price on insurance. Most are fairly basic like an MVR report, although some other factors are more transparent such as your marital status or your vehicle rating. It's important that you understand the rating factors that come into play when calculating your insurance rates. When consumers understand what impacts premium levels, this helps enable you to make changes that may reward you with lower insurance prices.

When to have guidance from a local insurance agent

Many people still like to buy from a local agent and that is a smart decision One of the benefits of getting free rate quotes online is that you can obtain the best rates and also buy local. And buying from local agents is important particularly in Philadelphia.

Insurance agents in PhiladelphiaBy using this simple form, your insurance coverage information is transmitted to local insurance agents in Philadelphia that provide free Philadelphia car insurance quotes and help you find cheaper coverage. You won't even need to contact an agency as quotes are delivered immediately to you. You can most likely find cheaper rates and an insurance agent to talk to. If you want to get a price quote for a specific company, you can always go to their quote page and complete a quote there.

Deciding on an provider needs to be determined by more than just the bottom line cost. Here are some questions to ask:

Do I just need basic coverages?

When it comes to buying coverage online or from an agent, there really is no one-size-fits-all type of policy. Every insured's situation is different and your policy should reflect that.Higher deductibles save money Here are some questions about coverages that could help you determine if your insurance needs might need an agent's assistance.

If you can't answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Quote more and you will save more

Discount Ford F-150 insurance in Philadelphia is attainable on the web and also from your neighborhood Philadelphia agents, so you should compare both to have the best chance of lowering rates. Some insurance companies do not offer price quotes online and usually these small, regional companies prefer to sell through local independent agents.

While you're price shopping online, it's not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The goal is to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

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