Are you researching low-cost Ford F-150 insurance in San Diego? Beginners to comparing insurance rates on the internet are likely to discover buying low cost Ford F-150 insurance is more work than they anticipated.
Surprisingly, a recent survey revealed that most car insurance policyholders renewed their policy with the same company for at least the last four years, and nearly 40% of drivers have never taken the time to shop around. The average driver in San Diego can save hundreds of dollars each year just by shopping around, but most just don’t grasp the large savings they would see if they swap their current policy for a cheaper one.
It’s important to get comparison quotes yearly due to the fact that insurance rates are usually higher with each renewal. Just because you found the best premium rates on Ford F-150 insurance in San Diego a few years ago you can probably find a lower rate today. There are lots of tips to save on F-150 insurance online but we’re going to give you some proven techniques to lower your car insurance rates in San Diego.
Locating the most cost-effective car insurance policy in San Diego can be much easier if you know how to start. If you are already insured, you will most likely be able to buy cheaper car insurance using these techniques. But California vehicle owners must learn the way companies calculate your policy premium because it can help you find the best coverage.
How to buy Ford F-150 insurance online
Most major insurance companies give pricing from their websites. Comparing prices online for Ford F-150 insurance in San Diego doesn’t take a lot of time as all you need to do is type in your coverage preferences into the quote form. After you complete the form, their quoting system obtains your driving and credit reports and gives you a price quote based on these and other factors.
This makes it easy to compare insurance prices and it’s necessary to have as many quotes as possible if you are searching for a lower rate.
If you want to use this form to compare rates, compare rate quotes from the providers shown below. To compare your current rates, we recommend you copy coverages and limits identical to your current policy. This way, you will get a fair comparison using the exact same coverages.
The companies shown below have been selected to offer free quotes in San Diego, CA. If the list has multiple companies, we recommend you visit 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 | $322 | $434 | $450 | $26 | $134 | $1,366 | $114 |
| F-150 STX Regular Cab 2WD | $284 | $582 | $500 | $30 | $150 | $1,546 | $129 |
| F-150 XL Super Cab 2WD | $318 | $638 | $574 | $34 | $172 | $1,736 | $145 |
| F-150 XLT Regular Cab 2WD | $302 | $520 | $456 | $26 | $136 | $1,440 | $120 |
| F-150 STX Super Cab 2WD | $378 | $564 | $578 | $34 | $174 | $1,728 | $144 |
| F-150 XL Crew Cab 2WD | $270 | $374 | $450 | $26 | $134 | $1,254 | $105 |
| F-150 XLT Super Cab 2WD | $342 | $472 | $442 | $26 | $132 | $1,414 | $118 |
| F-150 STX Regular Cab 4WD | $378 | $582 | $596 | $36 | $178 | $1,770 | $148 |
| F-150 XL Regular Cab 4WD | $240 | $298 | $578 | $34 | $174 | $1,324 | $110 |
| F-150 FX2 Super Cab 2WD | $326 | $582 | $500 | $30 | $150 | $1,588 | $132 |
| F-150 XLT Crew Cab 2WD | $202 | $336 | $574 | $34 | $172 | $1,318 | $110 |
| F-150 XL Super Cab 4WD | $202 | $336 | $574 | $34 | $172 | $1,318 | $110 |
| F-150 XLT Regular Cab 4WD | $292 | $468 | $416 | $24 | $124 | $1,324 | $110 |
| F-150 XL Crew Cab 4WD | $304 | $374 | $450 | $26 | $134 | $1,288 | $107 |
| F-150 STX Super Cab 4WD | $184 | $246 | $416 | $24 | $124 | $994 | $83 |
| F-150 XLT Super Cab 4WD | $204 | $292 | $464 | $28 | $138 | $1,126 | $94 |
| F-150 FX2 2WD | $270 | $454 | $500 | $30 | $150 | $1,404 | $117 |
| F-150 Lariat Super Cab 2WD | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| F-150 Lariat Crew Cab 2WD | $390 | $632 | $456 | $26 | $136 | $1,640 | $137 |
| F-150 FX4 Super Cab 4WD | $228 | $408 | $574 | $34 | $172 | $1,416 | $118 |
| F-150 XLT Crew Cab 4WD | $234 | $416 | $534 | $32 | $160 | $1,376 | $115 |
| F-150 FX4 4WD | $378 | $662 | $534 | $32 | $160 | $1,766 | $147 |
| F-150 Lariat Crew Cab 4WD | $490 | $686 | $578 | $34 | $174 | $1,962 | $164 |
| F-150 SVT Raptor Super Cab 4WD | $440 | $576 | $578 | $34 | $174 | $1,802 | $150 |
| F-150 Lariat Super Cab 4WD | $242 | $386 | $416 | $24 | $124 | $1,192 | $99 |
| F-150 Lariat Crew Cab Platinum 2WD | $270 | $536 | $464 | $28 | $138 | $1,436 | $120 |
| F-150 Lariat Crew Cab Harley 2WD | $300 | $576 | $424 | $26 | $126 | $1,452 | $121 |
| F-150 Lariat King Ranch 2WD | $332 | $664 | $500 | $30 | $150 | $1,676 | $140 |
| F-150 Lariat King Ranch 4WD | $272 | $464 | $424 | $26 | $126 | $1,312 | $109 |
| F-150 Lariat Crew Cab Harley 4WD | $260 | $490 | $534 | $32 | $160 | $1,476 | $123 |
| F-150 Lariat Crew Cab Platinum 4WD | $412 | $834 | $500 | $30 | $150 | $1,926 | $161 |
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium amounts do not factor in vehicle garaging location which can change premiums noticeably.
Does full coverage make sense?
The information below illustrates the difference between Ford F-150 yearly insurance costs with full coverage and liability only. The data is based on no violations or accidents, $100 deductibles, single male driver, and no additional discounts are factored in.
Should you buy full coverage or liability only?
There is no definitive formula to delete physical damage insurance, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s pretend your Ford F-150 settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,000 after paying your deductible. If it’s costing you more than $700 a year for your policy with full coverage, then you may want to consider only buying liability coverage.
There are some conditions where dropping full coverage is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
Men versus women drivers and insurance cost
The information below compares Ford F-150 auto insurance rates for male and female drivers. The premiums are based on no claims or driving violations, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied to the premium.
What is the best car insurance coverage?
When it comes to buying the best car insurance coverage, there is no “best” method to buy coverage. Your financial needs are unique and a cookie cutter policy won’t apply.
Here are some questions about coverages that might help in determining if your insurance needs could use an agent’s help.
- Should I file a claim if it’s only slightly more than my deductible?
- Does my policy cover my teen driver if they drive my company car?
- Is motorclub coverage worth it?
- Should I get collision insurance on every vehicle?
- Do I have coverage if my license is suspended?
- How can I get my company to pay me more for my totalled car?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier
When to get advice from an agent
A lot of people would rather visit with an insurance agent and that is a smart decision The best thing about comparing insurance prices online is that drivers can save money and get cheap auto insurance quotes but also keep your business local.
Upon completion of this quick form, your insurance data is instantly submitted to participating agents in San Diego that give free quotes for your insurance coverage. There is no need to even leave your home since price quotes are sent immediately to you. It’s the lowest rates without the usual hassles of price shopping. If you want to quote rates for a specific company, you just need to navigate to their website and fill out their quote form.
Picking the best provider should depend on more than just a cheap price quote. Before buying a policy in San Diego, get answers to these questions.
- Are aftermarket or OEM parts used to repair vehicles?
- Are they involved in claim handling?
- What will you get paid if your car is a total loss? How is that amount determined?
- Will your rates increase after a single accident?
- Will the agent or a CSR service your policy?
When looking for a local San Diego insurance agent, it helps to know the two types of agencies that you can select. Agencies in San Diego can be described as either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agents
Agents that choose to be exclusive generally can only insure with one company such as State Farm, Allstate and AAA. Exclusive agents cannot give you multiple price quotes so they have to upsell other benefits. Exclusive agents are very knowledgeable in insurance sales and that enables them to sell even at higher rates. Some insured continue to use the same agent mostly because of the prominent brand name and the convenience of having a single billing for all their coverages.
Below are exclusive insurance agents in San Diego that are able to give price quotes.
- Mike Foley – State Farm Insurance Agent
5210 Balboa Ave, Ste A1 – San Diego, CA 92117 – (858) 277-1400 – View Map - Rick Wiese – State Farm Insurance Agent
2333 Camino del Rio S – San Diego, CA 92108 – (619) 293-7211 – View Map - Theresa Nguyen-Muth – State Farm Insurance Agent
6650 Flanders Dr F – San Diego, CA 92121 – (858) 450-6000 – View Map
Independent Auto Insurance Agencies
Agents in the independent channel do not work for one specific company and that gives them the ability to insure through many different auto insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can just switch to a different company and you don’t have to switch agencies.
If you are comparing auto insurance prices, we recommend you get several quotes from several independent agencies to ensure the widest selection of prices. Many write coverage with mutual insurance companies that may have much lower rates than larger companies.
Shown below is a list of independent insurance agencies in San Diego that can give you price quote information.
- Anchor General Insurance Agency-Texas
10256 Meanley Dr – San Diego, CA 92131 – (858) 527-3600 – View Map - Alcott Insurance
3945 Idaho St – San Diego, CA 92104 – (619) 293-3800 – View Map - San Diego Insurance
4411 Mercury St #105b – San Diego, CA 92111 – (858) 565-6695 – View Map