Insurance rates Ford F-150 in ChesapeakeTrying to find the cheapest insurance for a new or used Ford F-150 in Virginia could be a painful process, but you can follow a few tricks to find lower rates.

There is a right way and a wrong way to buy auto insurance and you need to know the absolute fastest way to price shop coverage for a new or used Ford and locate the lowest price.

You should make it a habit to shop coverage around occasionally because prices are adjusted regularly by insurance companies. Just because you found the lowest price on Ford F-150 insurance in Chesapeake on your last policy you can probably find a lower rate today. Forget all the misinformation about auto insurance because it's time to teach you how to use the internet to properly buy coverages and cut your premium.

If you have a policy now or are just looking to switch companies, use these techniques to find the best rates while maximizing coverage. Obtaining price quotes for the most affordable car insurance in Chesapeake is not as difficult as people think. You just need to know the least time-consuming way to compare different rates online from multiple companies.

The providers in the list below provide quotes in Chesapeake, VA. If more than one company is shown, we recommend you click on several of them in order to find the most competitive rates.

Ford F-150 Insurance Rates in Chesapeake, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $166 $252 $270 $16 $80 $784 $65
F-150 STX Regular Cab 2WD $136 $234 $248 $14 $74 $706 $59
F-150 XL Super Cab 2WD $168 $270 $262 $16 $78 $794 $66
F-150 XLT Regular Cab 2WD $156 $274 $348 $20 $104 $902 $75
F-150 STX Super Cab 2WD $122 $218 $290 $18 $88 $736 $61
F-150 XL Crew Cab 2WD $120 $170 $262 $16 $78 $646 $54
F-150 XLT Super Cab 2WD $106 $178 $290 $18 $88 $680 $57
F-150 STX Regular Cab 4WD $106 $178 $290 $18 $88 $680 $57
F-150 XL Regular Cab 4WD $222 $328 $258 $16 $78 $902 $75
F-150 FX2 Super Cab 2WD $194 $316 $312 $18 $94 $934 $78
F-150 XLT Crew Cab 2WD $156 $250 $334 $20 $100 $860 $72
F-150 XL Super Cab 4WD $140 $228 $290 $18 $88 $764 $64
F-150 XLT Regular Cab 4WD $136 $214 $348 $20 $104 $822 $69
F-150 XL Crew Cab 4WD $176 $218 $262 $16 $78 $750 $63
F-150 STX Super Cab 4WD $156 $218 $270 $16 $80 $740 $62
F-150 XLT Super Cab 4WD $194 $270 $270 $16 $80 $830 $69
F-150 FX2 2WD $220 $386 $312 $18 $94 $1,030 $86
F-150 Lariat Super Cab 2WD $176 $264 $262 $16 $78 $796 $66
F-150 Lariat Crew Cab 2WD $216 $378 $334 $20 $100 $1,048 $87
F-150 FX4 Super Cab 4WD $194 $328 $290 $18 $88 $918 $77
F-150 XLT Crew Cab 4WD $166 $248 $266 $16 $80 $776 $65
F-150 FX4 4WD $278 $492 $348 $20 $104 $1,242 $104
F-150 Lariat Crew Cab 4WD $120 $206 $270 $16 $80 $692 $58
F-150 SVT Raptor Super Cab 4WD $154 $260 $348 $20 $104 $886 $74
F-150 Lariat Super Cab 4WD $142 $230 $248 $14 $74 $708 $59
F-150 Lariat Crew Cab Platinum 2WD $142 $270 $248 $14 $74 $748 $62
F-150 Lariat Crew Cab Harley 2WD $244 $542 $312 $18 $94 $1,210 $101
F-150 Lariat King Ranch 2WD $250 $486 $348 $20 $104 $1,208 $101
F-150 Lariat King Ranch 4WD $226 $392 $348 $20 $104 $1,090 $91
F-150 Lariat Crew Cab Harley 4WD $158 $270 $248 $14 $74 $764 $64
F-150 Lariat Crew Cab Platinum 4WD $272 $542 $312 $18 $94 $1,238 $103
Get Your Own Custom Quote Go

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can impact rates significantly.

Comparison of auto insurance rates by gender

The chart below shows the comparison of Ford F-150 insurance rates for male and female drivers. The premiums are based on no claims or violations, full coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

Cautious drivers save money

The illustration below highlights how speeding tickets and at-fault fender-benders influence Ford F-150 insurance premiums for each age group. Data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

Higher deductibles save money

The information below highlights how deductible choice and can change Ford F-150 yearly insurance costs for each age group. The data is based on a single male driver, full coverage, and no discounts are factored in.

Insuring your Ford F-150 just makes sense

Despite the high cost of buying insurance for a Ford F-150 in Chesapeake, insuring your vehicle is not optional due to several reasons.

The benefits of insuring your F-150 definitely exceed the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver overpays more than $869 every year so it's recommended you shop around at every policy renewal to ensure rates are inline.

Car insurance myths debunked

Consumers in Virginia get pounded daily by advertisements for car insurance savings from the likes of GEICO, State Farm and Progressive. They all convey the message that drivers will save a bundle if you switch to them.

How is it possible that every company can make the same claim?

Many companies have specific characteristics for the type of insured that is profitable for them. One example of a profitable risk profile should be between the ages of 30 and 45, has a clean driving record, and does not commute to work. Any new insured that matches those criteria will get low rates as well as save if they switch.

Consumers who cannot meet those standards will probably have to pay a higher premium which translates to the driver buying from a lower-cost company. The ads state "customers that switch" not "everyone who quotes" will save that much if they switch. That's why insurance companies can confidently make claims that they all have the best premium rates.

Each company has different criteria, so drivers must do a price quote comparison at every renewal. Because without a comparison, you cannot know which company will have the best auto insurance rates at this point in time.

Lower rate quotes by taking advantage of these eight discounts

Car insurance is easily one of your largest bills, but there are discounts available that you may not even know about. A few discounts will automatically apply when you get a quote, but some need to be inquired about in order for you to get them.Car insurance discounts

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as collision or personal injury protection. Just because you may think it's possible to get free car insurance, car insurance companies aren't that generous.

A list of companies and their offered discounts are shown below.

Double check with each company which discounts you may be entitled to. All car insurance discounts may not apply in Chesapeake. To choose providers that provide some of the discounts listed above in Chesapeake, click here.

Car insurance agents can help

Some consumers just want to buy from a local agent and that can be a great decision Professional agents can make sure you are properly covered and help in the event of a claim. A good thing about comparing insurance prices online is that drivers can save money and get cheap rate quotes but also keep your business local. Supporting small agencies is especially important in Chesapeake.

After filling out this simple form, your insurance coverage information gets sent to local insurance agents in Chesapeake that provide free Chesapeake auto insurance quotes to get your business. You won't even need to search for any insurance agencies since rate quotes are delivered directly to your email. If for some reason you want to get a price quote for a specific company, just visit that company's website and submit a quote form there.

Finding the right insurer requires more thought than just a cheap price. Any good agent in Chesapeake should know the answers to these questions.

If you feel you receive reasonable responses to these questions and locked in a price quote, you may have found a company that meets the requirements to properly service your insurance policy. Just keep in mind you have the power to cancel coverage whenever you want so don't feel that you're stuck with a specific agent with no way to switch.

Auto insurance coverage specifics

Having a good grasp of auto insurance aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford F-150.

Because many people carry very low liability coverage limits (which is 25/50/20), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are similar to your liability insurance amounts.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses for things like ambulance fees, X-ray expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision protection

This coverage will pay to fix damage to your F-150 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as sustaining damage from a pot hole, scraping a guard rail, rolling your car and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible on your F-150 to get cheaper collision coverage.

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as rock chips in glass, fire damage and hail damage. The highest amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Liability auto insurance

This coverage can cover damage that occurs to other people or property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/20 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $20,000. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like loss of income, court costs and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford. Virginia state law requires minimum liability limits of 25/50/20 but you should consider buying more liability than the minimum.

What is YOUR best insurance company?

Drivers switch companies for many reasons like extreme rates for teen drivers, high rates after DUI convictions, lack of trust in their agent and unfair underwriting practices. It doesn't matter what your reason, finding a great new company is less work than it seems.

You just learned some good ideas how you can save on Ford F-150 insurance in Chesapeake. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the most savings is with a small mutual company.

As you quote Chesapeake auto insurance, never sacrifice coverage to reduce premiums. In many cases, someone dropped collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The goal is to find the BEST coverage for the lowest price and still be able to protect your assets.

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