How long has it been since the last time you looked for more competitive Ford F-150 insurance in Charlotte? Finding cheap coverage rates on Ford F-150 insurance in Charlotte is slightly frustrating for drivers who are new to buying insurance online. With dozens of companies competing online, it can easily become a ton of work to find the perfect company for you.
It’s an obvious assumption that car insurance companies want to keep you from comparing rates. Consumers who compare rates annually will probably switch to a new company because there is a significant possibility of finding lower prices. A recent survey discovered that drivers who make a habit of shopping around saved $3,500 over four years as compared to drivers who don’t regularly compare prices.
If saving money on auto insurance in Charlotte is why you’re here, then having a good understanding the best ways to find and compare insurance can help simplify the task of finding more affordable coverage.
It’s a good habit to compare premium rates once or twice a year because prices change frequently. Despite the fact that you may have had the lowest rates on Ford F-150 insurance in Charlotte at your last renewal you may be paying too much now. Block out anything you think you know about auto insurance because we’re going to show you one of the best ways to reduce your cost while increasing coverage.
How to buy Ford F-150 insurance online
Just remember that comparing all the rates in your area will improve the odds of getting a lower rate.
The following companies have been selected to offer comparison quotes in Charlotte, NC. In order to find cheap auto insurance in North Carolina, it’s a good idea that you visit several of them in order to get a fair rate comparison.
Ford F-150 insurance analysis
The table displayed below showcases detailed analysis of prices for Ford F-150 models. Having a good grasp of how insurance policy premiums are calculated can help you make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $118 | $164 | $282 | $16 | $84 | $664 | $55 |
| F-150 STX Regular Cab 2WD | $118 | $210 | $282 | $16 | $84 | $710 | $59 |
| F-150 XL Super Cab 2WD | $118 | $210 | $282 | $16 | $84 | $710 | $59 |
| F-150 XLT Regular Cab 2WD | $118 | $210 | $282 | $16 | $84 | $710 | $59 |
| F-150 STX Super Cab 2WD | $118 | $210 | $282 | $16 | $84 | $710 | $59 |
| F-150 XL Crew Cab 2WD | $134 | $210 | $282 | $16 | $84 | $726 | $61 |
| F-150 XLT Super Cab 2WD | $134 | $210 | $282 | $16 | $84 | $726 | $61 |
| F-150 STX Regular Cab 4WD | $134 | $210 | $282 | $16 | $84 | $726 | $61 |
| F-150 XL Regular Cab 4WD | $134 | $210 | $282 | $16 | $84 | $726 | $61 |
| F-150 FX2 Super Cab 2WD | $134 | $210 | $282 | $16 | $84 | $726 | $61 |
| F-150 XLT Crew Cab 2WD | $134 | $210 | $282 | $16 | $84 | $726 | $61 |
| F-150 XL Super Cab 4WD | $134 | $210 | $282 | $16 | $84 | $726 | $61 |
| F-150 XLT Regular Cab 4WD | $134 | $210 | $282 | $16 | $84 | $726 | $61 |
| F-150 XL Crew Cab 4WD | $152 | $210 | $282 | $16 | $84 | $744 | $62 |
| F-150 STX Super Cab 4WD | $152 | $210 | $282 | $16 | $84 | $744 | $62 |
| F-150 XLT Super Cab 4WD | $152 | $210 | $282 | $16 | $84 | $744 | $62 |
| F-150 FX2 2WD | $152 | $256 | $282 | $16 | $84 | $790 | $66 |
| F-150 Lariat Super Cab 2WD | $152 | $256 | $282 | $16 | $84 | $790 | $66 |
| F-150 Lariat Crew Cab 2WD | $152 | $256 | $282 | $16 | $84 | $790 | $66 |
| F-150 FX4 Super Cab 4WD | $152 | $256 | $282 | $16 | $84 | $790 | $66 |
| F-150 XLT Crew Cab 4WD | $152 | $256 | $282 | $16 | $84 | $790 | $66 |
| F-150 FX4 4WD | $152 | $256 | $282 | $16 | $84 | $790 | $66 |
| F-150 Lariat Crew Cab 4WD | $152 | $256 | $282 | $16 | $84 | $790 | $66 |
| F-150 SVT Raptor Super Cab 4WD | $152 | $256 | $282 | $16 | $84 | $790 | $66 |
| F-150 Lariat Super Cab 4WD | $152 | $256 | $282 | $16 | $84 | $790 | $66 |
| F-150 Lariat Crew Cab Platinum 2WD | $152 | $302 | $282 | $16 | $84 | $836 | $70 |
| F-150 Lariat Crew Cab Harley 2WD | $152 | $302 | $282 | $16 | $84 | $836 | $70 |
| F-150 Lariat King Ranch 2WD | $152 | $302 | $282 | $16 | $84 | $836 | $70 |
| F-150 Lariat King Ranch 4WD | $170 | $302 | $282 | $16 | $84 | $854 | $71 |
| F-150 Lariat Crew Cab Harley 4WD | $170 | $302 | $282 | $16 | $84 | $854 | $71 |
| F-150 Lariat Crew Cab Platinum 4WD | $170 | $302 | $282 | $16 | $84 | $854 | $71 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Table data does not factor in specific Charlotte garaging location which can influence price quotes considerably.
The illustration below shows how choosing a deductible and can impact Ford F-150 premium costs for different age groups. The premiums assume a married male driver, comp and collision included, and no additional discounts are factored in.
Ford F-150 insurance rates by gender
The chart below shows the difference between Ford F-150 yearly insurance costs for male and female drivers. The premiums are based on no claims or violations, full coverage, $1,000 deductibles, drivers are single, and no discounts are factored in.
Full coverage versus liability only rates
The example below shows the difference between Ford F-150 car insurance costs with full coverage compared to only the North Carolina minimum liability coverage. Data assumes no accidents, no driving violations, $500 deductibles, drivers are single, and no discounts are applied.
When to drop comprehensive and collision coverage
There is no definitive guideline to delete full coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s pretend your Ford F-150 replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after paying your deductible. If it’s costing you more than $700 annually for comprehensive and collision coverage, then you might consider buying liability only.
There are some cases where buying only liability insurance is not a good idea. If you haven’t paid off your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.
Special considerations
Keep in mind that when it comes to choosing your policy, there really is not a best way to insure your cars. Your financial needs are unique and your insurance should unique, too.
These are some specific questions might help in determining if your insurance needs might need professional guidance.
- Does medical payments coverage apply to all occupants?
- What states are considered no-fault?
- Am I missing any policy discounts?
- Can I cancel at any time?
- When can my company non-renew my policy?
- Do I need rental car coverage?
- What can I do if my company won’t pay a claim?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area.
When should I contact a local insurance agent?
Certain consumers just want to get professional advice from a licensed agent and that can be a smart move One of the best bonuses of price shopping on the web is the fact that you can find the lowest rates but still work with a licensed agent.
After completing this quick form, your coverage information gets sent to agents in your area who will give you bids for your insurance coverage. There is no reason to search for an agent since price quotes are sent to you directly. You’ll get the best rates and a licensed agent to work with. In the event you want to quote rates from a specific insurance company, you would need to navigate to their website and give them your coverage information.
Choosing a insurer needs to be determined by more than just the premium amount. The answers to these questions are important, too.
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Which companies can they place coverage with?
- What insurance company do they write the most business with?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Does the agent recommend any additional coverage?
- Who are their largest clients?
If you prefer to buy insurance from a reputable insurance agent or broker, it’s helpful to know the different types of agents and how they function. Insurance agencies are classified as either exclusive agents or independent agents.
Exclusive Insurance Agents
Agents that elect to be exclusive can only quote rates from one company and examples are State Farm, AAA, and Liberty Mutual. Exclusive agents cannot place coverage with different providers so keep that in mind. Exclusive insurance agents are trained well on their products and sales techniques and that can be a competitive advantage. Some insured continue to use the same exclusive agent partially due to the prominence of the brand rather than low rates.
The following are exclusive agents in Charlotte who may provide you with price quotes.
- Jeff Genant – State Farm Insurance Agent
15105 John J Delaney Dr – Charlotte, NC 28277 – (704) 594-3000 – View Map - Todd Younker – State Farm Insurance Agent
7725 Matthews-Mint Hill Road – Charlotte, NC 28227 – (704) 545-9111 – View Map - Kyle Fadeley – State Farm Insurance Agent
13551 Steelecroft Pkwy #120 – Charlotte, NC 28278 – (704) 588-5585 – View Map
Independent Agents (or Brokers)
These agents often have affiliation with several companies so they can quote policies with any number of different companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they can switch companies in-house and you don’t have to do anything.
When comparing insurance prices, you should always get rate quotes from independent agents in order to compare the most rates. Most independent agents also contract with companies that do not advertise much that may have much lower rates than larger companies.
Listed below are Charlotte independent agencies willing to provide price quotes.
- The Tillman Agency – Nationwide Insurance
8440 Rea Rd STE P – Charlotte, NC 28277 – (704) 960-1860 – View Map - Craig and Preston Insurance Agency
2210 Coronation Blvd Suite A – Charlotte, NC 28227 – (704) 321-2900 – View Map - Nationwide Insurance: Timothy G Hausmann Agency
2313 Randolph Rd – Charlotte, NC 28207 – (704) 332-0011 – View Map