Wish you could get a refund on overpriced Ford F-150 insurance in San Jose? Trust us, you are not the only one feeling buyer's remorse.
It's astonishing, but the vast majority of car insurance customers have bought car insurance from the same company for at least four years, and nearly 40% of drivers have never even compared quotes to find cheap rates. Many drivers in San Jose could save about 35% a year just by shopping around, but they feel it's too difficult to compare rates. Many auto insurance companies vie for your insurance dollar, so it's not easy to compare every insurer and uncover the absolute best price available on Ford F-150 insurance in San Jose.
You need to do rate comparisons before your next renewal since prices change quite often. Just because you had the best deal on Ford F-150 insurance in San Jose at your last renewal there is a good chance you can find better premium rates now. There are a lot of ways to save on F-150 insurance online, but I'm going to show you some tested techniques to reduce your car insurance bill.
If you already have coverage or just want to save money, use these tips to find the best rates and possibly find even better coverage. Finding the cheapest coverage in San Jose can initially seem challenging. Drivers just need to understand the proper way to buy insurance from many different companies.
Companies offering Ford F-150 insurance in San Jose
The companies shown below have been selected to offer free quotes in San Jose, CA. To buy the cheapest car insurance in California, we suggest you visit two to three different companies to get the lowest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$208||$292||$464||$28||$138||$1,130||$94|
|F-150 STX Regular Cab 2WD||$242||$382||$442||$26||$132||$1,224||$102|
|F-150 XL Super Cab 2WD||$298||$472||$442||$26||$132||$1,370||$114|
|F-150 XLT Regular Cab 2WD||$298||$472||$442||$26||$132||$1,370||$114|
|F-150 STX Super Cab 2WD||$234||$374||$450||$26||$134||$1,218||$102|
|F-150 XL Crew Cab 2WD||$214||$316||$416||$24||$124||$1,094||$91|
|F-150 XLT Super Cab 2WD||$294||$464||$464||$28||$138||$1,388||$116|
|F-150 STX Regular Cab 4WD||$272||$438||$534||$32||$160||$1,436||$120|
|F-150 XL Regular Cab 4WD||$192||$274||$456||$26||$136||$1,084||$90|
|F-150 FX2 Super Cab 2WD||$182||$292||$464||$28||$138||$1,104||$92|
|F-150 XLT Crew Cab 2WD||$278||$382||$442||$26||$132||$1,260||$105|
|F-150 XL Super Cab 4WD||$326||$554||$500||$30||$150||$1,560||$130|
|F-150 XLT Regular Cab 4WD||$328||$534||$574||$34||$172||$1,642||$137|
|F-150 XL Crew Cab 4WD||$272||$298||$578||$34||$174||$1,356||$113|
|F-150 STX Super Cab 4WD||$300||$430||$574||$34||$172||$1,510||$126|
|F-150 XLT Super Cab 4WD||$334||$480||$424||$26||$126||$1,390||$116|
|F-150 FX2 2WD||$204||$354||$464||$28||$138||$1,188||$99|
|F-150 Lariat Super Cab 2WD||$228||$408||$574||$34||$172||$1,416||$118|
|F-150 Lariat Crew Cab 2WD||$204||$372||$500||$30||$150||$1,256||$105|
|F-150 FX4 Super Cab 4WD||$216||$332||$456||$26||$136||$1,166||$97|
|F-150 XLT Crew Cab 4WD||$440||$576||$578||$34||$174||$1,802||$150|
|F-150 FX4 4WD||$334||$584||$424||$26||$126||$1,494||$125|
|F-150 Lariat Crew Cab 4WD||$358||$464||$578||$34||$174||$1,608||$134|
|F-150 SVT Raptor Super Cab 4WD||$374||$564||$450||$26||$134||$1,548||$129|
|F-150 Lariat Super Cab 4WD||$428||$708||$596||$36||$178||$1,946||$162|
|F-150 Lariat Crew Cab Platinum 2WD||$204||$418||$500||$30||$150||$1,302||$109|
|F-150 Lariat Crew Cab Harley 2WD||$370||$766||$574||$34||$172||$1,916||$160|
|F-150 Lariat King Ranch 2WD||$204||$418||$464||$28||$138||$1,252||$104|
|F-150 Lariat King Ranch 4WD||$398||$546||$578||$34||$174||$1,730||$144|
|F-150 Lariat Crew Cab Harley 4WD||$390||$624||$456||$26||$136||$1,632||$136|
|F-150 Lariat Crew Cab Platinum 4WD||$436||$744||$456||$26||$136||$1,798||$150|
|Get Your Own Custom Quote Go|
Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in your specific San Jose location which can change premium rates considerably.
Comparison of car insurance rates by gender and age
The illustration below shows the difference between Ford F-150 insurance premiums for male and female drivers. The data assumes no violations or accidents, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
Impact of careless driving on car insurance rates
The diagram below highlights how traffic violations and at-fault claims can increase Ford F-150 auto insurance costs for different categories of driver ages. The rate quotes are based on a single female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
Slash your insurance rates with these seven discounts
Car insurance can cost a lot, but you might be missing out on some discounts that you may not even know about. Many discounts should be triggered when you purchase, but a few need to be requested specifically prior to getting the savings.
- Theft Prevention System - Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
- Anti-lock Brake System - Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
- Memberships - Affiliation with qualifying employment or professional organizations is a good way to get lower rates on your next renewal.
- Low Mileage - Driving fewer miles could earn discounted prices on garaged vehicles.
- Driving Data Discount - Drivers who elect to allow companies to look at where and when they drive by using a telematics device such as Progressive's Snapshot might see lower rates if their driving habits are good.
- Include Life Insurance and Save - Select insurance companies reward you with a discount if you purchase life insurance from them.
- Bundle and Save - If you have multiple policies and place coverage with the same company you could save approximately 10% to 15%.
Keep in mind that some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like it's possible to get free car insurance, that's just not realistic.
If you would like to see a list of companies with the best Ford F-150 insurance discounts in San Jose in San Jose, click here.
Can't I get rate quotes from local San Jose auto insurance agents?
A small number of people prefer to talk to an insurance agent and that is OK! Professional insurance agents can point out coverage gaps and help submit paperwork. One of the benefits of comparing rates online is the fact that you can find cheap rate quotes and still have a local agent. Buying from local insurance agents is still important in San Jose.
Upon completion of this simple form, the quote information is emailed to participating agents in San Jose who will give you quotes to get your business. You won't even need to visit any agencies due to the fact that quote results will go immediately to you. If for some reason you want to get a rate quote from a specific company, you would need to go to their quote page and give them your coverage information.
Finding the right provider needs to be determined by more than just a cheap quote. These are some questions you should get answers to.
- Who are their largest clients?
- Do they specialize in personal lines auto insurance in San Jose?
- Will a damage claim use OEM or aftermarket replacement parts?
- Does the agency have a positive business rating?
- Can glass repairs be made at your home?
- If they are an independent agency in San Jose, which companies do they recommend?
- Can they provide you with a list of referrals?
- Will you get a loaner vehicle if you car is being repaired?
Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. These are typical coverages found on the average insurance policy.
Liability auto insurance
Liability insurance can cover damages or injuries you inflict on a person or their property. It protects you against other people's claims. Liability doesn't cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 15/30/5 which means a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and property damage coverage for $5,000. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability can pay for claims such as structural damage, attorney fees, medical expenses, medical services and loss of income. The amount of liability coverage you purchase is a personal decision, but it's cheap coverage so purchase as high a limit as you can afford. California requires drivers to carry at least 15/30/5 but you should consider buying higher limits.
Uninsured or underinsured coverage
Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Ford F-150.
Since a lot of drivers only purchase the least amount of liability that is required (15/30/5 in California), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as falling objects, vandalism and theft. The most your insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like surgery, dental work, prosthetic devices, rehabilitation expenses and nursing services. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like crashing into a building, sideswiping another vehicle, sustaining damage from a pot hole, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible on your F-150 to save money on collision insurance.
Compare. Compare. Compare.
As you prepare to switch companies, it's a bad idea to sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed physical damage coverage to discover at claim time that it was a big mistake. Your focus should be to find the BEST coverage at the best cost and still be able to protect your assets.
You just read some good ideas how you can find cheap Ford F-150 insurance in San Jose. The key thing to remember is the more times you quote, the better your chances of lowering your car insurance rates. You may even be surprised to find that the lowest rates are with the least-expected company. These companies often have lower car insurance rates on specific markets as compared to the big name companies such as State Farm and Allstate.
Even more information is available in these articles:
- How do I File a Claim? (Insurance Information Institute)
- What is the Cheapest Car Insurance in Chula Vista, California? (FAQ)
- Who Has the Cheapest California Auto Insurance for a GMC Sierra? (FAQ)
- What Auto Insurance is Cheapest for Young Drivers in California? (FAQ)
- How Much are California Car Insurance Rates for a Chevrolet Equinox? (FAQ)
- Get the Right Protection (InsureUonline.org)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Eight Auto Insurance Myths (Insurance Information Institute)