Trying to find more competitive car insurance rates in Mesa, AZ? Mesa drivers have options when trying to find affordable Ford F-150 insurance. They can either spend hours struggling with agents to compare prices or leverage the internet to compare rates. There are both good and bad ways to compare car insurance rates and you need to know the best way to quote coverages on a Ford and get the lowest price either online or from Mesa insurance agents.
If you are already insured or are looking for a new policy, you can learn to reduce the price you pay while maintaining coverages. This article will teach you a little about how to get online quotes and some tips to save money. You just have to learn the most efficient way to find the lowest price from many companies at once.
How to get the cheapest Ford F-150 insurance in Mesa
The companies in the list below have been selected to offer free quotes in Arizona. To find the cheapest car insurance in Mesa, we recommend you visit two to three different companies to find the most competitive auto insurance rates.
Insurance rate breakdown
The table below covers detailed analysis of insurance prices for Ford F-150 models. Being aware of how insurance rates are figured can be valuable when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $230 | $252 | $392 | $24 | $118 | $1,016 | $85 |
| F-150 STX Regular Cab 2WD | $230 | $320 | $392 | $24 | $118 | $1,084 | $90 |
| F-150 XL Super Cab 2WD | $230 | $320 | $392 | $24 | $118 | $1,084 | $90 |
| F-150 XLT Regular Cab 2WD | $230 | $320 | $392 | $24 | $118 | $1,084 | $90 |
| F-150 STX Super Cab 2WD | $230 | $320 | $392 | $24 | $118 | $1,084 | $90 |
| F-150 XL Crew Cab 2WD | $264 | $320 | $392 | $24 | $118 | $1,118 | $93 |
| F-150 XLT Super Cab 2WD | $264 | $320 | $392 | $24 | $118 | $1,118 | $93 |
| F-150 STX Regular Cab 4WD | $264 | $320 | $392 | $24 | $118 | $1,118 | $93 |
| F-150 XL Regular Cab 4WD | $264 | $320 | $392 | $24 | $118 | $1,118 | $93 |
| F-150 FX2 Super Cab 2WD | $264 | $320 | $392 | $24 | $118 | $1,118 | $93 |
| F-150 XLT Crew Cab 2WD | $264 | $320 | $392 | $24 | $118 | $1,118 | $93 |
| F-150 XL Super Cab 4WD | $264 | $320 | $392 | $24 | $118 | $1,118 | $93 |
| F-150 XLT Regular Cab 4WD | $264 | $320 | $392 | $24 | $118 | $1,118 | $93 |
| F-150 XL Crew Cab 4WD | $298 | $320 | $392 | $24 | $118 | $1,152 | $96 |
| F-150 STX Super Cab 4WD | $298 | $320 | $392 | $24 | $118 | $1,152 | $96 |
| F-150 XLT Super Cab 4WD | $298 | $320 | $392 | $24 | $118 | $1,152 | $96 |
| F-150 FX2 2WD | $298 | $390 | $392 | $24 | $118 | $1,222 | $102 |
| F-150 Lariat Super Cab 2WD | $298 | $390 | $392 | $24 | $118 | $1,222 | $102 |
| F-150 Lariat Crew Cab 2WD | $298 | $390 | $392 | $24 | $118 | $1,222 | $102 |
| F-150 FX4 Super Cab 4WD | $298 | $390 | $392 | $24 | $118 | $1,222 | $102 |
| F-150 XLT Crew Cab 4WD | $298 | $390 | $392 | $24 | $118 | $1,222 | $102 |
| F-150 FX4 4WD | $298 | $390 | $392 | $24 | $118 | $1,222 | $102 |
| F-150 Lariat Crew Cab 4WD | $298 | $390 | $392 | $24 | $118 | $1,222 | $102 |
| F-150 SVT Raptor Super Cab 4WD | $298 | $390 | $392 | $24 | $118 | $1,222 | $102 |
| F-150 Lariat Super Cab 4WD | $298 | $390 | $392 | $24 | $118 | $1,222 | $102 |
| F-150 Lariat Crew Cab Platinum 2WD | $298 | $460 | $392 | $24 | $118 | $1,292 | $108 |
| F-150 Lariat Crew Cab Harley 2WD | $298 | $460 | $392 | $24 | $118 | $1,292 | $108 |
| F-150 Lariat King Ranch 2WD | $298 | $460 | $392 | $24 | $118 | $1,292 | $108 |
| F-150 Lariat King Ranch 4WD | $332 | $460 | $392 | $24 | $118 | $1,326 | $111 |
| F-150 Lariat Crew Cab Harley 4WD | $332 | $460 | $392 | $24 | $118 | $1,326 | $111 |
| F-150 Lariat Crew Cab Platinum 4WD | $332 | $460 | $392 | $24 | $118 | $1,326 | $111 |
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in garaging location in Mesa which can alter premium rates substantially.
Impact of speeding/accidents on auto insurance rates
The diagram below demonstrates how citations and at-fault collisions drive up Ford F-150 insurance premiums for each different age category. The costs are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
Ford F-150 liability rates compared to full coverage
The example below shows the comparison of Ford F-150 car insurance costs with and without physical damage coverage. The prices are based on no accidents, no driving violations, $1,000 deductibles, drivers are single, and no discounts are applied.
When to stop buying full coverage
There is no written rule for phasing out physical damage coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s assume your Ford F-150 replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after the policy deductible has been paid. If it’s costing in excess of $500 a year to have full coverage, then you may want to consider only buying liability coverage.
There are a few situations where buying only liability insurance is not recommended. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
How Your F-150 Insurance Costs are Determined
When buying auto insurance it’s important to understand the factors that help determine your auto insurance rates. When consumers understand what influences your rates, this enables you to make decisions that could help you find big savings.
The itemized list below are some of the factors that factor into premiums.
- Amount of liability – The liability coverage on your policy will provide protection in the event that you are responsible for personal injury or accident damage. Liability insurance provides for a legal defense to attempt to prove you were not liable. Liability insurance is quite affordable when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
- Keep auto insurance rates low by being claim-free – Insurance companies in Arizona generally give the best rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on higher rates. Your car insurance is designed for more catastrophic claims.
- Insurance rates for married couples – Walking down the aisle actually saves money compared to being single. Having a significant other is viewed as being less irresponsible and it’s statistically proven that married drivers get in fewer accidents.
- Higher rates for tough occupations – Did you know your occupation can influence how much you pay for auto insurance? Careers such as military generals, airline pilots, and accountants tend to have the highest average rates due to job stress and incredibly demanding work hours. On the other hand, jobs like farmers, athletes and retirees generally pay rates lower than average.
- Lower premiums with alarms and GPS tracking – Choosing to buy a car with anti-theft technology or alarm system can earn a premium discount. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
- Raising deductibles lowers premiums – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Examples of some claims that would be covered could be a broken side mirror, collision with an animal, and windstorm damage. Physical damage deductibles tell how much you are willing to pay out-of-pocket if you file a covered claim. The more expense the insured is willing to pay, the lower your rates will be.
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Ford F-150 claim data – Insurers use past insurance losses when setting premium costs. Models that have a higher amount or frequency of claims will cost more for specific coverages. The table below demonstrates the compiled insurance loss statistics for Ford F-150 vehicles.
For each coverage type, the claim amount for all vehicles, regardless of make or model, is considered to be 100. Numbers under 100 imply a favorable loss record, while numbers above 100 indicate a higher chance of having a claim or statistically larger claims.
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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Best reasons to buy auto insurance in Arizona
Even though it’s not necessarily cheap to insure a Ford in Mesa, maintaining insurance is required for several reasons.
- Just about all states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your vehicle, it’s most likely the lender will stipulate that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank may insure your Ford at a much higher premium rate and require you to reimburse them for the expensive policy.
- Insurance protects your vehicle and your assets. Insurance will also pay for all forms of medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of buying enough insurance are without a doubt worth the cost, especially with large liability claims. But the average driver in Arizona overpays more than $800 each year so compare rate quotes every year to make sure the price is not too high.