Would you like to find more competitive Ford F-150 insurance in Atlanta? No one anticipates paying for auto insurance, especially when they could get a better deal.
It's astonishing, but most auto insurance customers kept buying from the same company for at least four years, and roughly 40% of drivers have never compared quotes from other companies. With the average premium in Georgia being $1,722, drivers could save an average of nearly $959 each year by just shopping around, but they don't believe how much they could save if they changed companies.
Due to the fact that there are so many different company options, it can be hard to locate the right insurance company.
Consumers need to compare prices on a regular basis because auto insurance prices change regularly. Just because you found the best price on Ford F-150 insurance in Atlanta a couple years back you may be paying too much now. Block out anything you think you know about auto insurance because you're going to get a crash course in the things you must know in order to lower your annual insurance bill.
Finding the lowest cost insurance coverage in Atlanta is easy if you know what you're doing. Essentially everyone who is overpaying for insurance should buy a cheaper policy. Although Georgia car owners need to have an understanding of the way companies price online insurance.
Companies offering Ford F-150 insurance in Georgia
The companies shown below provide price comparisons in Atlanta, GA. If several companies are displayed, we suggest you click on several of them to find the lowest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$206||$280||$378||$22||$114||$1,000||$83|
|F-150 STX Regular Cab 2WD||$204||$350||$370||$22||$110||$1,056||$88|
|F-150 XL Super Cab 2WD||$128||$226||$378||$22||$114||$868||$72|
|F-150 XLT Regular Cab 2WD||$204||$350||$370||$22||$110||$1,056||$88|
|F-150 STX Super Cab 2WD||$126||$220||$370||$22||$110||$848||$71|
|F-150 XL Crew Cab 2WD||$180||$300||$512||$30||$154||$1,176||$98|
|F-150 XLT Super Cab 2WD||$212||$350||$444||$26||$134||$1,166||$97|
|F-150 STX Regular Cab 4WD||$212||$332||$414||$24||$124||$1,106||$92|
|F-150 XL Regular Cab 4WD||$224||$312||$406||$24||$122||$1,088||$91|
|F-150 FX2 Super Cab 2WD||$180||$300||$512||$30||$154||$1,176||$98|
|F-150 XLT Crew Cab 2WD||$376||$618||$532||$32||$158||$1,716||$143|
|F-150 XL Super Cab 4WD||$182||$260||$402||$24||$120||$988||$82|
|F-150 XLT Regular Cab 4WD||$292||$476||$512||$30||$154||$1,464||$122|
|F-150 XL Crew Cab 4WD||$380||$518||$532||$32||$158||$1,620||$135|
|F-150 STX Super Cab 4WD||$274||$390||$476||$28||$142||$1,310||$109|
|F-150 XLT Super Cab 4WD||$332||$412||$402||$24||$120||$1,290||$108|
|F-150 FX2 2WD||$328||$600||$444||$26||$134||$1,532||$128|
|F-150 Lariat Super Cab 2WD||$336||$590||$476||$28||$142||$1,572||$131|
|F-150 Lariat Crew Cab 2WD||$240||$426||$444||$26||$134||$1,270||$106|
|F-150 FX4 Super Cab 4WD||$318||$414||$516||$30||$154||$1,432||$119|
|F-150 XLT Crew Cab 4WD||$268||$436||$378||$22||$114||$1,218||$102|
|F-150 FX4 4WD||$436||$612||$516||$30||$154||$1,748||$146|
|F-150 Lariat Crew Cab 4WD||$164||$268||$370||$22||$110||$934||$78|
|F-150 SVT Raptor Super Cab 4WD||$204||$364||$512||$30||$154||$1,264||$105|
|F-150 Lariat Super Cab 4WD||$330||$578||$512||$30||$154||$1,604||$134|
|F-150 Lariat Crew Cab Platinum 2WD||$240||$476||$414||$24||$124||$1,278||$107|
|F-150 Lariat Crew Cab Harley 2WD||$296||$622||$444||$26||$134||$1,522||$127|
|F-150 Lariat King Ranch 2WD||$242||$380||$516||$30||$154||$1,322||$110|
|F-150 Lariat King Ranch 4WD||$328||$592||$444||$26||$134||$1,524||$127|
|F-150 Lariat Crew Cab Harley 4WD||$408||$814||$512||$30||$154||$1,918||$160|
|F-150 Lariat Crew Cab Platinum 4WD||$426||$720||$394||$24||$118||$1,682||$140|
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price information does not factor in vehicle garaging location which can change price quotes significantly.
How much more does full coverage cost in Atlanta?
The example below shows the comparison of Ford F-150 annual premium costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no claims or violations, $100 deductibles, single male driver, and no other discounts are factored in.
When to drop comprehensive and collision
There is no set rule for excluding comp and collision coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.
For example, let's assume your Ford F-150 settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $6,000 after paying your policy deductible. If you are paying over $600 a year for full coverage, then it might be time to consider dropping full coverage.
There are some circumstances where dropping full coverage is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to protect the lienholder's interest. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.
Premiums by gender and age
The diagram below shows the difference between Ford F-150 insurance prices for male and female drivers. The rates are based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
Get cheap Ford F-150 insurance in Atlanta with discounts
Companies offering auto insurance don't necessarily list every disount available in an easy-to-find place, so the next list breaks down both well-publicized and the more hidden savings tricks you should be using when you buy Atlanta car insurance online. If you're not getting every credit available, you are just wasting money.
- Bundled Policy Discount - If you can bundle your home and auto insurance and insure them both with the same insurance company you will save up to 20% and get you low cost Ford F-150 insurance.
- Defensive Driver - Completing a defensive driver course is a good idea and can lower rates and also improve your driving technique.
- Military Deployment Discount - Being on active duty in the military may lower your rates slightly.
- ABS Brakes - Cars and trucks equipped with ABS or steering control have fewer accidents and therefore earn up to a 10% discount.
- Telematics Devices - Drivers who elect to allow data collection to look at driving habits through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may see discounts if their driving habits are good.
- Own a Home and Save - Just owning your own home can get you a discount because it requires a higher level of personal finance.
- Theft Deterrent Discount - Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
- Senior Citizen Rates - Drivers over the age of 55 can possibly qualify for a small discount on rates.
It's important to understand that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that it's possible to get free car insurance, company stockholders wouldn't be very happy.
To see a list of providers who offer discounts in Atlanta, click here to view.
It's not one size fits all
Always keep in mind that when comparing a policy for your vehicles, there isn't really a cookie cutter policy. Every insured's situation is different.
These are some specific questions could help you determine whether you could use an agent's help.
- Why am I required to buy liability insurance?
- Is business equipment covered while in my vehicle?
- When would I need additional glass coverage?
- Should I drop comprehensive coverage on older vehicles?
- What if a claim settlement is too low?
- Do all my vehicles need collision coverage?
- I don't drive much so do I pay less?
- Are rock-chip repairs free?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Who is covered when they drive my Ford F-150?
If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.
Comparing rates from local Atlanta auto insurance agents
Many people just prefer to go talk to an agent and that is a personal choice. The best thing about comparing insurance prices online is that you can obtain the best rates and also buy local. Putting coverage with small agencies is still important in Atlanta.
For easy comparison, once you complete this form (opens in new window), your insurance data is immediately sent to local insurance agents in Atlanta who will give you quotes for your car insurance coverage. You won't need to visit any agencies because prices are sent directly to you. You can find the lowest rates and a licensed agent to work with. If you wish to get a rate quote from one company in particular, just search and find their rate quote page to submit a rate quote request.
If you want a local insurance agency, you should know the different types of agencies that you can select. Car insurance agencies are considered either exclusive or independent.
Independent Car Insurance Agents
Agents that elect to be independent often have many company appointments and that allows them to write policies with a variety of different insurance companies and find you cheaper rates. If prices rise, the agent simply finds a different carrier which is easy for the insured. If you are comparing car insurance prices, it's recommended you get quotes from at a minimum one independent agency for maximum quote selection.
Shown below is a short list of independent agents in Atlanta who may be able to give you free car insurance quotes.
Cascade Heights Insurance Agency
833 Cascade Ave SW e - Atlanta, GA 30311 - (404) 758-7811 - View Map
Agents that elect to be exclusive have only one company to place business with and examples are American Family, State Farm, and Allstate. Exclusive agents cannot provide other company's prices so always compare other rates. Exclusive agencies are well schooled in insurance sales which helps them sell on service rather than price.
Listed below are exclusive insurance agencies in Atlanta that can give you comparison quotes.
Finding a good insurance agency shouldn't rely on just the bottom line cost. Ask your prospective agent these questions:
- Is the agency involved in supporting local community causes?
- Will their companies depreciate repairs to your car based on the mileage?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do the coverages you're quoting properly cover your vehicle?
- Does the agency provide any after hours assistance?
- If your car is in the repair shop, do you have coverage for a rental car?
- Are they primarily personal or commercial lines agents in Atlanta?
Persistent drivers can save
As you quote Atlanta car insurance, do not sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.
Cost effective Ford F-150 insurance is available online and also from your neighborhood Atlanta agents, and you should compare price quotes from both to have the best rate selection. A few companies may not offer price quotes online and many times these small insurance companies only sell coverage through independent agencies.
You just learned a lot of tips how to save on Ford F-150 insurance in Atlanta. The most important thing to understand is the more you quote Atlanta car insurance, the better likelihood of getting affordable Atlanta car insurance quotes. Consumers may even find the most savings is with some of the smallest insurance companies.
Additional detailed information can be found in the articles below: