The most effective way to get the cheapest Ford F-150 insurance is to regularly compare price quotes from providers in Detroit.
First, spend a few minutes and learn about auto insurance and the measures you can take to prevent expensive coverage. Many things that result in higher rates like at-fault accidents, careless driving, and a less-than-favorable credit score can be improved by making lifestyle changes or driving safer.
Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like Progressive and State Farm, while independent agents can provide prices from multiple sources.
Third, compare the new quotes to your current policy premium to see if you can save by switching companies. If you find a lower rate and buy the policy, make sure there is no lapse in coverage.
Fourth, give proper notification to your current agent or company of your intention to cancel your current coverage. Submit payment along with a signed and completed policy application for your new coverage. As soon as you have the new policy, place the new proof of insurance certificate in your vehicle.
A key point to remember is to use the same liability limits and deductibles on each price quote and and to analyze as many companies as you can. This helps ensure the most accurate price comparison and maximum price selection.
It’s an obvious assumption that auto insurance companies don’t want policyholders to shop around. Consumers who shop around for cheaper price quotes will probably switch car insurance companies because there is a good probability of finding more affordable rates. Surprisingly, a recent survey revealed that drivers who compared rates annually saved as much as $865 a year compared to people who never compared other company’s rates.
If saving the most money on car insurance in Detroit is the reason for your visit, then having an understanding of how to get free comparison quotes and analyze insurance coverage can make it easier to find better rates.
Car insurance providers offering competitive prices in Michigan
The companies shown below are our best choices to provide free rate quotes in Detroit, MI. If you want cheap auto insurance in Michigan, it’s a good idea that you click on several of them to get a more complete price comparison.
Ford F-150 detailed coverage information
The data table below outlines detailed analysis of coverage prices for Ford F-150 models. Learning how premiums are established can help guide drivers when making informed decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$278||$356||$704||$42||$210||$1,590||$133|
|F-150 STX Regular Cab 2WD||$278||$456||$704||$42||$210||$1,690||$141|
|F-150 XL Super Cab 2WD||$278||$456||$704||$42||$210||$1,690||$141|
|F-150 XLT Regular Cab 2WD||$278||$456||$704||$42||$210||$1,690||$141|
|F-150 STX Super Cab 2WD||$278||$456||$704||$42||$210||$1,690||$141|
|F-150 XL Crew Cab 2WD||$320||$456||$704||$42||$210||$1,732||$144|
|F-150 XLT Super Cab 2WD||$320||$456||$704||$42||$210||$1,732||$144|
|F-150 STX Regular Cab 4WD||$320||$456||$704||$42||$210||$1,732||$144|
|F-150 XL Regular Cab 4WD||$320||$456||$704||$42||$210||$1,732||$144|
|F-150 FX2 Super Cab 2WD||$320||$456||$704||$42||$210||$1,732||$144|
|F-150 XLT Crew Cab 2WD||$320||$456||$704||$42||$210||$1,732||$144|
|F-150 XL Super Cab 4WD||$320||$456||$704||$42||$210||$1,732||$144|
|F-150 XLT Regular Cab 4WD||$320||$456||$704||$42||$210||$1,732||$144|
|F-150 XL Crew Cab 4WD||$360||$456||$704||$42||$210||$1,772||$148|
|F-150 STX Super Cab 4WD||$360||$456||$704||$42||$210||$1,772||$148|
|F-150 XLT Super Cab 4WD||$360||$456||$704||$42||$210||$1,772||$148|
|F-150 FX2 2WD||$360||$554||$704||$42||$210||$1,870||$156|
|F-150 Lariat Super Cab 2WD||$360||$554||$704||$42||$210||$1,870||$156|
|F-150 Lariat Crew Cab 2WD||$360||$554||$704||$42||$210||$1,870||$156|
|F-150 FX4 Super Cab 4WD||$360||$554||$704||$42||$210||$1,870||$156|
|F-150 XLT Crew Cab 4WD||$360||$554||$704||$42||$210||$1,870||$156|
|F-150 FX4 4WD||$360||$554||$704||$42||$210||$1,870||$156|
|F-150 Lariat Crew Cab 4WD||$360||$554||$704||$42||$210||$1,870||$156|
|F-150 SVT Raptor Super Cab 4WD||$360||$554||$704||$42||$210||$1,870||$156|
|F-150 Lariat Super Cab 4WD||$360||$554||$704||$42||$210||$1,870||$156|
|F-150 Lariat Crew Cab Platinum 2WD||$360||$654||$704||$42||$210||$1,970||$164|
|F-150 Lariat Crew Cab Harley 2WD||$360||$654||$704||$42||$210||$1,970||$164|
|F-150 Lariat King Ranch 2WD||$360||$654||$704||$42||$210||$1,970||$164|
|F-150 Lariat King Ranch 4WD||$402||$654||$704||$42||$210||$2,012||$168|
|F-150 Lariat Crew Cab Harley 4WD||$402||$654||$704||$42||$210||$2,012||$168|
|F-150 Lariat Crew Cab Platinum 4WD||$402||$654||$704||$42||$210||$2,012||$168|
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Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium costs do not factor in specific zip code location which can change price quotes considerably.
Ford F-150 insurance costs by age and gender
The diagram below shows the comparison of Ford F-150 premium costs for male and female drivers. The information is based on no accidents or driving violations, full physical damage coverage, $500 deductibles, marital status is single, and no other discounts are factored in.
Cost of full coverage
The information below illustrates the comparison of Ford F-150 auto insurance rates with full coverage and liability only. The price estimates are based on no violations or accidents, $100 deductibles, drivers are not married, and no discounts are factored in.
Should you pay for full coverage or liability only?
There is no definitive rule to delete comp and collision coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s pretend your Ford F-150 replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after paying your deductible. If you are paying more than $600 a year for your policy with full coverage, then you may need to consider dropping full coverage.
There are some scenarios where buying only liability insurance is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Car insurance discounts are available for cheaper rates
Companies offering auto insurance don’t always list the complete list of policy discounts in an easy-to-find place, so the below list has some of the best known and the more hidden car insurance savings.
- Safe Driver Discounts – Drivers without accidents could pay up to 40% less than less cautious drivers.
- Seat Belt Discounts – Requiring all passengers to buckle up before driving could save 15% off the personal injury premium cost.
- Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
- ABS Brakes – Cars with ABS braking systems or traction control are safer to drive and the ABS can save up to 10%.
- Telematics Data Discounts – Drivers who elect to allow their insurance company to track where and when they drive through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may see discounts as long as they are good drivers.
- Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and will qualify for a discount on a Detroit car insurance quote.
- Claim-Free Discount – Insureds with no claims or accidents get the best car insurance rates as compared to bad drivers.
- Accident Forgiveness Coverage – This one is not really a discount per se, but companies like Progressive, State Farm and GEICO may permit one accident before they charge you more for coverage as long as you don’t have any claims prior to the accident.
As is typical with insurance, many deductions do not apply to the whole policy. Most cut specific coverage prices like physical damage coverage or medical payments. Despite the appearance that all those discounts means the company will pay you, it’s just not the way it works.
The information below shows the comparison of Ford F-150 premium costs with and without policy discounts. Data assumes a female driver, no accidents or driving violations, Michigan state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, homeowner, claim-free, and marriage discounts applied.
A few of the larger companies and some of the premium reductions they offer are shown below.
- State Farm has discounts for multiple policy, passive restraint, Steer Clear safe driver discount, defensive driving training, and student away at school.
- Progressive offers premium reductions for multi-policy, good student, online quote discount, continuous coverage, multi-vehicle, online signing, and homeowner.
- Travelers includes discounts for multi-car, early quote, payment discounts, new car, and hybrid/electric vehicle.
- American Family offers discounts for TimeAway discount, good student, accident-free, good driver, and defensive driver.
- Liberty Mutual has savings for newly retired, newly married, teen driver discount, safety features, and new graduate.
If you want affordable Detroit car insurance quotes, ask all companies you are considering which discounts they offer. Discounts may not be offered in Detroit.
Neighborhood insurance agents
Certain consumers just prefer to buy from a local agent and that is a personal choice. A nice benefit of comparing insurance prices online is you may find the lowest rates and also buy local.
Once you complete this form (opens in new window), the quote information gets sent to local insurance agents in Detroit that give free quotes for your auto insurance coverage. You don’t have to leave your computer due to the fact that quote results will go directly to you. You can find better rates and an insurance agent to talk to. If you need to get a price quote from a specific insurance company, you would need to visit that company’s website and fill out their quote form.
Finding a good insurance company requires you to look at more than just a cheap price quote. These are some questions you should get answers to.
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- What is the agency’s Better Business Bureau rating?
- Do you need full coverage on every vehicle?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How many years have they been established?
When searching for a good insurance agency, it helps to know the two types of insurance agents from which to choose. Agents are classified as either exclusive or independent agents depending on their company appointments.
Exclusive Auto Insurance Agencies
Agents that choose to be exclusive write business for a single company like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot provide prices from multiple companies so it’s a take it or leave it situation. They are well schooled on the products they sell and that allows them to sell at a higher price point.
Below is a list of exclusive agents in Detroit who may provide you with comparison quotes.
Michelle Sims – State Farm Insurance Agent
24970 W Outer Dr – Lincoln Park, MI 48146 – (313) 928-1348 – View Map
Independent Agents (or Brokers)
These type of agents are not locked into one company and that enables them to quote your coverage with multiple insurance companies and find you cheaper rates. If your agent finds better pricing, your agent can switch companies and you won’t have to switch agencies.
When comparing rate quotes, we recommend you get several quotes from a couple of independent agencies for maximum quote selection.
Shown below is a list of independent insurance agents in Detroit that are able to give comparison quotes.
Thomas L Whatley Agency Inc
14710 Puritan Ave – Detroit, MI 48227 – (313) 272-5955 – View Map
You can find cheaper coverage
Cheaper Ford F-150 insurance in Detroit can be sourced both online and also from your neighborhood Detroit agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not offer online quoting and usually these small insurance companies provide coverage only through independent agents.
As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, someone sacrificed collision coverage only to regret at claim time they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at an affordable rate, but do not sacrifice coverage to save money.
Additional car insurance information is located below:
- Electronic Stability Control FAQ (iihs.org)
- How Much is Detroit Auto Insurance for Immigrants? (FAQ)
- How Much is Detroit Auto Insurance for Welfare Recipients? (FAQ)
- Who Has Affordable Detroit Auto Insurance for a Nissan Rogue? (FAQ)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Driving in Bad Weather (Insurance Information Institute)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Distracted Driving Statistics (Insurance Information Institute)