How long has it been since you sat down and looked for lower-priced Ford F-150 insurance in Worcester? Have you fallen victim to high-priced Ford F-150 insurance in Worcester? Say no more because many Worcester drivers feel the same as you.
It's hard to fathom, but the vast majority of consumers have bought insurance from the same company for at least four years, and nearly 40% of drivers have never quoted rates to find cheaper coverage. American drivers could save themselves $850 a year by just comparing quotes, but most undervalue the rate savings if they swap their current policy for a cheaper one.
Because there are so many different company options, it's difficult to pick the most affordable insurance provider.
Consumers should take time to price shop coverage as often as possible because prices are constantly changing. Just because you had the lowest price on Ford F-150 insurance in Worcester a few years ago the chances are good that you can find a lower rate today. Ignore everything you know about insurance because we're going to show you how to use the internet to reduce your cost while increasing coverage.
Finding and comparing the cheapest policy in Worcester is simple if you know the tricks. Just about every driver who wants cheaper insurance should find a lower-cost policy. Although Massachusetts drivers can benefit from knowing the way companies calculate their prices because it can help you find the best coverage.
Ford F-150 Insurance Costs Can Be Reduced
Many different elements are part of the equation when pricing auto insurance. Most are fairly basic like your driving record, but other factors are not quite as obvious such as your marital status or your vehicle rating.
The list below includes some of the most common factors insurance companies consider when setting premiums.
Females tend to be lower risk - Statistics have proven females are less aggressive when driving. The data does not necessarily mean that men are WORSE drivers than women. Males and females cause auto accidents in similar percentages, but males get into accidents with more damage. In addition to higher claims, males also have more aggressive citations such as DWI and reckless driving.
Married drivers pay lower prices - Having a significant other may cut your premiums on your insurance bill. Marriage is viewed as being more mature and responsible and statistics show married drivers tend to have fewer serious accidents.
How many miles do you drive? - Driving more miles each year the more you will pay for insurance. A lot of companies rate vehicles based upon how you use the vehicle. Autos that have low annual miles receive better premium rates as compared to vehicles used primarily for driving to work. An incorrectly rated F-150 may be costing you. It's a good idea to make sure your insurance policy states how each vehicle is driven, because it can save money.
Teenagers vs. mature drivers - Youthful drivers in Massachusetts have a tendency to be inattentive and easily distracted when driving with friends so insurance rates are higher. More experienced drivers tend to be more responsible, cost insurance companies less in claims, and tend to be get fewer driving tickets.
If you don't need it don't buy it - There are many additional coverages you can purchase if you aren't careful. Coverages for roadside assistance, accident forgiveness, and Farm Bureau memberships could be just wasting money. They may seem good when you first buy your policy, but if they're wasting money remove them from your policy.
Your liability insurance limits - The liability coverage on your policy kicks in when you are determined to be liable for causing personal injury or damage in an accident. Your liability coverage provides you with a defense in court starting from day one. This coverage is very inexpensive compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
Lower premiums for cars with good safety ratings - Vehicles with good safety scores tend to be cheaper to insure. Safer cars result in less severe injuries and fewer serious injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Ford F-150 scored better than an "acceptable" rating on the Insurance Institute for Highway Safety website it may cost less to insure.
Insurance loss data for a Ford F-150 - Car insurance companies include the past claim trends for vehicles to calculate a price that will offset any claims. Vehicles that the data determines to have a trend towards higher claim severity or frequency will have a higher cost to insure.
The table below shows the insurance loss data for Ford F-150 vehicles. For each coverage category, the claim probability for all vehicles averaged together is set at 100. Values that are below 100 mean the vehicle has better than average losses, while numbers above 100 show a trend for more claims or an increased chance of a larger loss.
Car Insurance Loss Data for Ford F-150 Models
|Specific Ford Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Ford F-150 SuperCab 4WD||67||110||39|
|Ford F-150 SuperCrew 2WD||42||93||72|
|Ford F-150 SuperCrew 4WD||75||76||101||56||57||76|
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
To find the best auto insurance prices, there are several ways of comparing price quotes from local Worcester auto insurance companies. The easiest way by far to find the lowest rates is to get quotes online.
Comparing free rates online is easy and it, makes it obsolete to drive around to insurance agencies in your area. The ability to buy insurance online eliminates this option unless you're the type of person who wants the professional advice that can only be provided by a licensed insurance agent. It is possible to comparison shop online but buy the policy through an agent. Just keep in mind that comparing more rates from different companies will increase your chances of finding the best rates.
The auto insurance companies shown below offer price quotes in Worcester, MA. If the list has multiple companies, we suggest you visit several of them to get the lowest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$204||$278||$452||$26||$136||$1,096||$91|
|F-150 STX Regular Cab 2WD||$176||$326||$434||$26||$130||$1,092||$91|
|F-150 XL Super Cab 2WD||$246||$490||$404||$24||$122||$1,286||$107|
|F-150 XLT Regular Cab 2WD||$154||$276||$452||$26||$136||$1,044||$87|
|F-150 STX Super Cab 2WD||$158||$282||$378||$22||$114||$954||$80|
|F-150 XL Crew Cab 2WD||$248||$440||$378||$22||$114||$1,202||$100|
|F-150 XLT Super Cab 2WD||$154||$220||$340||$20||$102||$836||$70|
|F-150 STX Regular Cab 4WD||$156||$258||$404||$24||$122||$964||$80|
|F-150 XL Regular Cab 4WD||$286||$440||$452||$26||$136||$1,340||$112|
|F-150 FX2 Super Cab 2WD||$222||$350||$350||$20||$106||$1,048||$87|
|F-150 XLT Crew Cab 2WD||$288||$426||$334||$20||$100||$1,168||$97|
|F-150 XL Super Cab 4WD||$180||$298||$378||$22||$114||$992||$83|
|F-150 XLT Regular Cab 4WD||$262||$392||$344||$20||$104||$1,122||$94|
|F-150 XL Crew Cab 4WD||$250||$368||$378||$22||$114||$1,132||$94|
|F-150 STX Super Cab 4WD||$280||$418||$378||$22||$114||$1,212||$101|
|F-150 XLT Super Cab 4WD||$232||$332||$404||$24||$122||$1,114||$93|
|F-150 FX2 2WD||$280||$492||$434||$26||$130||$1,362||$114|
|F-150 Lariat Super Cab 2WD||$204||$344||$378||$22||$114||$1,062||$89|
|F-150 Lariat Crew Cab 2WD||$184||$298||$320||$18||$96||$916||$76|
|F-150 FX4 Super Cab 4WD||$180||$274||$334||$20||$100||$908||$76|
|F-150 XLT Crew Cab 4WD||$264||$432||$452||$26||$136||$1,310||$109|
|F-150 FX4 4WD||$266||$400||$344||$20||$104||$1,134||$95|
|F-150 Lariat Crew Cab 4WD||$250||$432||$314||$18||$94||$1,108||$92|
|F-150 SVT Raptor Super Cab 4WD||$292||$436||$334||$20||$100||$1,182||$99|
|F-150 Lariat Super Cab 4WD||$204||$362||$378||$22||$114||$1,080||$90|
|F-150 Lariat Crew Cab Platinum 2WD||$266||$472||$344||$20||$104||$1,206||$101|
|F-150 Lariat Crew Cab Harley 2WD||$370||$612||$438||$26||$132||$1,578||$132|
|F-150 Lariat King Ranch 2WD||$204||$406||$378||$22||$114||$1,124||$94|
|F-150 Lariat King Ranch 4WD||$228||$322||$438||$26||$132||$1,146||$96|
|F-150 Lariat Crew Cab Harley 4WD||$324||$512||$334||$20||$100||$1,290||$108|
|F-150 Lariat Crew Cab Platinum 4WD||$312||$630||$378||$22||$114||$1,456||$121|
|Get Your Own Custom Quote Go|
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in specific location information which can increase or decrease premiums significantly.
Switch companies and save? Really?
Big name companies like State Farm, GEICO and Progressive seem to constantly run television, radio, and online ads. All the companies state the claim that drivers will save a bundle if you just switch your coverage to them. Is it even possible that every company can charge less that you're paying now? It's all in how they say it.
Companies have underwriting criteria for the right customer that earns them the most money. One example of this type of risk profile might be described as between the ages of 30 and 50, carries high limits, and drives a vehicle with a low ISO rating. Someone who matches that profile receives the best prices in Worcester and therefore will save if they switch.
People who fall short of these criteria may be forced to pay a more expensive rate which translates to the prospect going elsewhere. The ad wording is "drivers that switch" not "everyone that quotes" save that much when switching. That is how companies can truthfully make those claims.
Different companies use different criteria so you need to do a price quote comparison at every renewal. It is just not possible to predict which auto insurance company will fit your personal profile best.
Car insurance is an important decision
Even though it can be expensive, paying for car insurance is required in Massachusetts but also provides important benefits.
First, the majority of states have mandatory liability insurance requirements which means state laws require a specific minimum amount of liability insurance in order to get the vehicle licensed. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you bought your Ford F-150 with a loan, more than likely the lender will require you to buy full coverage to ensure loan repayment if the vehicle is totalled. If you do not keep the policy in force, the lender will be forced to insure your Ford for a lot more money and force you to reimburse them for it.
Third, car insurance preserves both your assets and your Ford. It will also cover medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you are sued as the result of an accident. If your Ford gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance are without a doubt worth the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is overpaying more than $800 each year so we recommend shopping around once a year at a minimum to help ensure money is not being wasted.
Get affordable rates on Ford F-150 insurance in Worcester with these discounts
Properly insuring your vehicles can get expensive, but there are discounts available to cut the cost considerably. Some discounts will apply when you quote, but lesser-known reductions have to be asked for in order for you to get them.
- Low Miles Discount - Maintaining low annual mileage can earn slightly better premium rates than normal.
- Senior Discount - If you're over the age of 55, you may qualify for lower premium rates.
- Driver's Education for Students - Teen drivers should enroll and complete driver's education as it can save substantially.
- Multiple Cars - Having primary and secondary vehicles with the same insurance company qualifies for this discount.
- Life Insurance Discount - If the company offers life insurance, you could get a small discount if you purchase some life insurance in addition to your auto policy.
- Safe Drivers - Accident-free drivers can get discounts for up to 45% lower rates as compared to drivers with claims.
- Good Grades Discount - Maintaining excellent grades can save 20 to 25%. Many companies even apply the discount to college students up until you turn 25.
It's important to note that some of the credits will not apply to your bottom line cost. Some only apply to specific coverage prices like collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, it doesn't quite work that way.
Companies and some of the premium reductions they offer can be found below.
- Mercury Insurance has savings for location of vehicle, ease of repair, multi-car, good student, annual mileage, and type of vehicle.
- Farmers Insurance may offer discounts for electronic funds transfer, multi-car, pay in full, early shopping, business and professional, and distant student.
- Farm Bureau includes discounts for youthful driver, driver training, multi-vehicle, good student, and renewal discount.
- State Farm discounts include passive restraint, student away at school, good student, Drive Safe & Save, safe vehicle, and multiple autos.
- Allstate has discounts for senior citizen, EZ pay plan discount, multi-policy, good student, passive restraint, and defensive driver.
- GEICO may include discounts for emergency military deployment, defensive driver, federal employee, daytime running lights, multi-policy, and multi-vehicle.
It's a good idea to ask all the companies how you can save money. Savings may not be available in every state.
Car insurance quotes from local neighborhood Worcester car insurance agents
A lot of people still like to visit with an insurance agent and that is OK! One of the benefits of comparing rates online is that you can obtain cheaper prices but still work with a licensed agent. Supporting small agencies is important especially in Worcester.
To find an agent, once you fill out this simple form, your insurance coverage information is transmitted to insurance agents in Worcester who will gladly provide quotes for your coverage. You don't have to contact any insurance agencies since price quotes are sent directly to you. You can most likely find cheaper rates without a big time investment. If you have a need to get a comparison quote from a specific insurance company, you just need to search and find their rate quote page and give them your coverage information.
If you are wanting to find local Worcester agents, it can be helpful to understand the different types of agencies and how they differ in how they quote coverages. Insurance agencies in Worcester are categorized either exclusive or independent (non-exclusive).
Independent Insurance Agents
These type of agents do not sell for just one brand so as a result can place your coverage with any number of different companies and potentially find a lower price. If they quote lower rates, they simply move the coverage in-house which requires no work on your part.
When comparison shopping, we recommend you check rates from multiple independent agents for maximum quote selection.
The following are Worcester independent agents that may be able to give free car insurance quotes.
Exclusive Car Insurance Agencies
Agents of this type are contracted to one company like Farmers Insurance, American Family, State Farm and Allstate. They are unable to compare rates from other companies so they have to upsell other benefits. Exclusive agents are well schooled on their products and sales techniques and that allows them to sell at a higher price point.
Shown below is a list of exclusive agents in Worcester who can help you get price quote information.
Allstate Insurance: Bill Rhines
1280 Main St - Worcester, MA 01603 - (508) 799-2600 - View Map
Choosing the best car insurance agent should depend on more than just a cheap price. These are some valid questions you should ask.
- What is the agency's Better Business Bureau rating?
- Is there a 24/7 contact number?
- Do the companies they represent have a solid financial rating?
- Is the agency involved in supporting local community causes?
- Can they give you a list of client referrals?
- Are they properly licensed to sell insurance in Massachusetts?
- Is there a Errors and Omissions policy in force?
- Will they take your side in the event of a claim?
A conclusion for your car insurance search
Cost effective Ford F-150 insurance is attainable both online in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture. Some insurance providers do not offer the ability to get quotes online and these smaller companies provide coverage only through independent agents.
We covered a lot of tips how to find lower-cost Ford F-150 insurance in Worcester. The key concept to understand is the more times you quote, the better your comparison will be. You may even be surprised to find that the lowest rates come from a company that doesn't do a lot of advertising. Some small companies can often provide lower auto insurance rates in certain areas compared to the large companies like Allstate, GEICO and Progressive.
Additional information is located on the following sites:
- Five Mistakes to Avoid (Insurance Information Institute)
- Who Has Cheap Car Insurance Quotes for College Graduates in Massachusetts? (FAQ)
- Who Has the Cheapest Massachusetts Car Insurance Quotes for Retired Military? (FAQ)
- How Much is Auto Insurance for Young Drivers in Massachusetts? (FAQ)
- What is the Best Car Insurance in Cambridge, Massachusetts? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Electric Cars in Massachusetts? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Inexperienced Drivers in Massachusetts? (FAQ)
- What Insurance is Cheapest for Real Estate Agents in Massachusetts? (FAQ)
- Vehicle Insurance in the U.S. (Wikipedia)
- Parking Tips to Reduce Door Dings (State Farm)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- A Tree Fell on Your Car: Now What? (Allstate)