Insurance quote for Ford F-150 in RaleighHave you fallen victim to overpriced Ford F-150 insurance in Raleigh? You're in good company because there are many Raleigh consumers feeling the pinch from expensive car insurance.

Shocking but true, most consumers have stayed with the same insurance company for well over three years, and practically 40% of car insurance customers have never taken the time to shop around. The average driver in Raleigh could save $94 every year just by comparing rates, but they just don't want to save money by comparing rate quotes.

Numerous insurance companies battle for your business, so it can be very hard to choose a insurer and get the definite lowest price on Ford F-150 insurance in Raleigh.

Smart consumers take time to get comparison quotes every six months because insurance rates change regularly. Just because you found the lowest premium rates on Ford F-150 insurance in Raleigh a couple years back there is a good chance you can find better prices now. There is a lot of wrong information about F-150 insurance on the internet, but by reading this article, you're going to learn the best ways to buy car insurance cheaper in Raleigh.

If you currently have a car insurance policy, you will be able to reduce the price you pay using the ideas presented in this article. Buying the cheapest auto insurance in Raleigh is much easier if you know where to start. Nevertheless, North Carolina car owners must comprehend how companies charge you for coverage because rates are impacted by many factors.

When quoting car insurance, remember that comparing more prices will improve the odds of getting lower pricing.

The companies shown below provide price comparisons in North Carolina. If more than one company is shown, it's highly recommended you compare several of them in order to find the most affordable rates.

Ford F-150 Insurance Costs in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $160 $256 $282 $16 $84 $798 $67
F-150 STX Regular Cab 2WD $80 $140 $234 $14 $70 $538 $45
F-150 XL Super Cab 2WD $118 $210 $282 $16 $84 $710 $59
F-150 XLT Regular Cab 2WD $168 $266 $250 $14 $74 $772 $64
F-150 STX Super Cab 2WD $156 $214 $326 $20 $98 $814 $68
F-150 XL Crew Cab 2WD $122 $182 $240 $14 $72 $630 $53
F-150 XLT Super Cab 2WD $148 $222 $234 $14 $70 $688 $57
F-150 STX Regular Cab 4WD $244 $318 $326 $20 $98 $1,006 $84
F-150 XL Regular Cab 4WD $132 $206 $336 $20 $100 $794 $66
F-150 FX2 Super Cab 2WD $152 $210 $254 $16 $76 $708 $59
F-150 XLT Crew Cab 2WD $188 $306 $302 $18 $90 $904 $75
F-150 XL Super Cab 4WD $220 $266 $326 $20 $98 $930 $78
F-150 XLT Regular Cab 4WD $134 $210 $262 $16 $78 $700 $58
F-150 XL Crew Cab 4WD $170 $242 $324 $20 $96 $852 $71
F-150 STX Super Cab 4WD $268 $392 $336 $20 $100 $1,116 $93
F-150 XLT Super Cab 4WD $174 $248 $302 $18 $90 $832 $69
F-150 FX2 2WD $196 $322 $336 $20 $100 $974 $81
F-150 Lariat Super Cab 2WD $128 $230 $324 $20 $96 $798 $67
F-150 Lariat Crew Cab 2WD $208 $398 $282 $16 $84 $988 $82
F-150 FX4 Super Cab 4WD $186 $322 $234 $14 $70 $826 $69
F-150 XLT Crew Cab 4WD $268 $476 $336 $20 $100 $1,200 $100
F-150 FX4 4WD $208 $380 $282 $16 $84 $970 $81
F-150 Lariat Crew Cab 4WD $186 $318 $282 $16 $84 $886 $74
F-150 SVT Raptor Super Cab 4WD $186 $318 $262 $16 $78 $860 $72
F-150 Lariat Super Cab 4WD $170 $296 $324 $20 $96 $906 $76
F-150 Lariat Crew Cab Platinum 2WD $208 $432 $324 $20 $96 $1,080 $90
F-150 Lariat Crew Cab Harley 2WD $208 $446 $282 $16 $84 $1,036 $86
F-150 Lariat King Ranch 2WD $104 $200 $234 $14 $70 $622 $52
F-150 Lariat King Ranch 4WD $268 $470 $336 $20 $100 $1,194 $100
F-150 Lariat Crew Cab Harley 4WD $208 $374 $282 $16 $84 $964 $80
F-150 Lariat Crew Cab Platinum 4WD $170 $302 $262 $16 $78 $828 $69
Get Your Own Custom Quote Go

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Table data does not factor in Raleigh location which can lower or raise premium rates significantly.

Full coverage rates vs. liability-only

The example below visualizes the comparison of Ford F-150 car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in North Carolina. The prices are based on a clean driving record, no claims, $1,000 deductibles, married female driver, and no policy discounts are applied.

When to stop buying comprehensive and collision coverage

There is no written rule of when to eliminate physical damage insurance, but there is a guideline you can consider. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let's pretend your Ford F-150 settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after paying your deductible. If you are paying over $300 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where dropping physical damage coverage is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder's interest. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Annual premiums comparing men and women in Raleigh

The example below shows the comparison of Ford F-150 insurance prices for male and female drivers. The rates are based on no violations or claims, comp and collision included, $1,000 deductibles, marital status is single, and no policy discounts are applied.

Insurance policy discounts for Ford F-150 insurance in Raleigh

Companies that sell car insurance don't necessarily list every discount they offer very well, so the below list has both the well known and the harder-to-find insurance savings.Cheaper insurance with discounts

Please keep in mind that most discounts do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Despite the appearance that adding up those discounts means a free policy, that's just not realistic.

If you would like to choose from a list of insurance companies that have a full spectrum of discounts in Raleigh, click here to view.

What if I want to buy from local Raleigh insurance agencies?

Certain consumers still prefer to sit down with an agent and often times that is recommended A nice benefit of comparing rate quotes online is the fact that you can find lower premium rates and also buy local. Putting coverage with local agencies is important especially in Raleigh.

Insurance agency in RaleighBy using this short form, the coverage information is immediately sent to agents in your area who will return price quotes to get your business. You don't have to find an agent on your own as quotes are delivered to the email address you provide. You can find lower rates AND an agent nearby. If you wish to get a rate quote from a particular provider, you just need to visit that company's website and give them your coverage information.

Pick the best auto insurance agent in Raleigh for you

When researching a local Raleigh insurance agent, it helps to know the two types of insurance agents and how they differ in how they quote coverages. Car insurance agencies are categorized either independent or exclusive depending on the company they work for.

Independent Agents (or Brokers)

These agents can sell policies from many different companies and that allows them to write policies amongst many companies and find you the best rates. If your agent finds better pricing, your agent can just switch to a different company which makes it simple for you. If you are trying to find cheaper rates, it's a good idea to get insurance quotes from a couple of independent agencies for the best price selection.

Below is a list of independent agents in Raleigh that can possibly get you free rate quotes.

2308 Wake Forest Rd - Raleigh, NC 27608 - (919) 832-5832 - View Map

3700 Glenwood Ave #430 - Raleigh, NC 27612 - (919) 878-9412 - View Map

4280 Louisburg Rd - Raleigh, NC 27604 - (919) 875-8500 - View Map

More insurance agents

Exclusive Insurance Agents

Exclusive agents can usually just insure with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to provide rate quotes from other companies so always compare other rates. Exclusive agents are trained well in insurance sales which helps them sell insurance even at higher premiums.

Shown below are Raleigh exclusive insurance agents that can give you comparison quotes.

2869 Jones Franklin Rd - Raleigh, NC 27606 - (919) 859-5261 - View Map

3021 Berks Way #102 - Raleigh, NC 27614 - (919) 435-1417 - View Map

9660 Falls of Neuse Rd #165 - Raleigh, NC 27615 - (919) 872-1225 - View Map

More insurance agents

Choosing an car insurance agent should include more criteria than just a cheap price. Before buying a policy in Raleigh, get answers to these questions.

How do I know if I need professional advice?

Keep in mind that when it comes to choosing your policy for your personal vehicles, there really is no cookie cutter policy. Each situation is unique.Safe vehicles cost less to insure

For instance, these questions could help you determine whether your personal situation will benefit from professional help.

If you can't answer these questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form.

How Car Insurance Companies Calculate Ford F-150 Insurance Costs

Lots of things are part of the calculation when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, although others are less apparent such as your credit history or how financially stable you are. The best way to find cheaper auto insurance is to take a look at the different types of things that go into determining the level of your policy premiums. If you have a feel for what determines premiums, this empowers consumers to make smart changes that could result in big savings.

The factors shown below are some of the most rate-impacting factors used by companies to determine premiums.

Protect your Ford vehicle and other assets

Even though it's not necessarily cheap to insure a Ford in Raleigh, insurance serves a purpose in several ways.

The benefits of insuring your F-150 definitely exceed the cost, particularly when you have a large claim. According to a recent study, the average American driver is overpaying more than $810 a year so it's very important to do a rate comparison at least once a year to be sure current rates are still competitive.

Cheap auto insurance premiums are out there

As you shop your coverage around, make sure you don't buy less coverage just to save a little money. In many cases, someone sacrificed liability coverage limits only to regret at claim time that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Lower-priced Ford F-150 insurance in Raleigh can be sourced from both online companies as well as from insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who do not offer online rate quotes and these small, regional companies prefer to sell through independent insurance agencies.

Drivers switch companies for a number of reasons such as unfair underwriting practices, policy non-renewal, extreme rates for teen drivers or even being labeled a high risk driver. Regardless of your reason for switching companies, finding the right auto insurance provider can be pretty painless.

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