Are you drained from scraping the payment together to make your insurance payment? You're in the same situation as many other Missouri drivers.
Unthinkable but true, most drivers kept buying from the same company for well over three years, and virtually 40% of consumers have never shopped around. With the average premium in Missouri being $1,469, drivers could save themselves 25% a year just by shopping around, but they don't believe the benefits if they switched to a cheaper policy. With so many insurance companies to choose from, it is hard for the average consumer to pick the best insurer.
Consumers should take time to shop coverage around quite often since rates go up and down regularly. Even if you got the best rate on Ford F-150 insurance in St. Louis a couple years back there may be better deals available now. Block out anything you think you know about insurance because you're going to learn the fastest way to find better rates and still maintain coverage.
Best companies for affordable Ford F-150 insurance in Missouri
The car insurance companies shown below have been selected to offer quotes in St. Louis, MO. If more than one company is shown, we recommend you get prices from several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$200||$266||$266||$16||$80||$828||$69|
|F-150 STX Regular Cab 2WD||$96||$184||$302||$18||$90||$690||$58|
|F-150 XL Super Cab 2WD||$86||$152||$256||$16||$76||$586||$49|
|F-150 XLT Regular Cab 2WD||$174||$280||$272||$16||$82||$824||$69|
|F-150 STX Super Cab 2WD||$200||$340||$266||$16||$80||$902||$75|
|F-150 XL Crew Cab 2WD||$124||$176||$272||$16||$82||$670||$56|
|F-150 XLT Super Cab 2WD||$222||$334||$272||$16||$82||$926||$77|
|F-150 STX Regular Cab 4WD||$128||$180||$266||$16||$80||$670||$56|
|F-150 XL Regular Cab 4WD||$200||$280||$272||$16||$82||$850||$71|
|F-150 FX2 Super Cab 2WD||$228||$350||$360||$22||$108||$1,068||$89|
|F-150 XLT Crew Cab 2WD||$230||$340||$266||$16||$80||$932||$78|
|F-150 XL Super Cab 4WD||$168||$230||$266||$16||$80||$760||$63|
|F-150 XLT Regular Cab 4WD||$162||$226||$272||$16||$82||$758||$63|
|F-150 XL Crew Cab 4WD||$222||$350||$302||$18||$90||$982||$82|
|F-150 STX Super Cab 4WD||$184||$226||$272||$16||$82||$780||$65|
|F-150 XLT Super Cab 4WD||$254||$392||$322||$20||$96||$1,084||$90|
|F-150 FX2 2WD||$264||$346||$348||$20||$104||$1,082||$90|
|F-150 Lariat Super Cab 2WD||$210||$344||$360||$22||$108||$1,044||$87|
|F-150 Lariat Crew Cab 2WD||$140||$250||$322||$20||$96||$828||$69|
|F-150 FX4 Super Cab 4WD||$228||$398||$322||$20||$96||$1,064||$89|
|F-150 XLT Crew Cab 4WD||$164||$218||$348||$20||$104||$854||$71|
|F-150 FX4 4WD||$222||$406||$302||$18||$90||$1,038||$87|
|F-150 Lariat Crew Cab 4WD||$202||$352||$256||$16||$76||$902||$75|
|F-150 SVT Raptor Super Cab 4WD||$160||$268||$360||$22||$108||$918||$77|
|F-150 Lariat Super Cab 4WD||$200||$358||$302||$18||$90||$968||$81|
|F-150 Lariat Crew Cab Platinum 2WD||$258||$488||$266||$16||$80||$1,108||$92|
|F-150 Lariat Crew Cab Harley 2WD||$288||$600||$360||$22||$108||$1,378||$115|
|F-150 Lariat King Ranch 2WD||$110||$214||$250||$14||$74||$662||$55|
|F-150 Lariat King Ranch 4WD||$236||$376||$274||$16||$82||$984||$82|
|F-150 Lariat Crew Cab Harley 4WD||$248||$462||$346||$20||$104||$1,180||$98|
|F-150 Lariat Crew Cab Platinum 4WD||$262||$448||$274||$16||$82||$1,082||$90|
|Get Your Own Custom Quote Go|
Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price estimates do not factor in vehicle location which can impact rates noticeably.
Physical damage deductibles: Should you raise them?
The chart below demonstrates how deductibles and can raise or lower Ford F-150 insurance prices for different age groups. The costs are based on a married female driver, full physical damage coverage, and no discounts are factored in.
Ford F-150 full coverage rates compared to liability only
The illustration below visualizes the comparison of Ford F-150 insurance premiums when comparing full coverage to liability only. The information is based on no claims or driving violations, $100 deductibles, married female driver, and no discounts are taken into consideration.
When to stop paying for full coverage
There is no exact formula of when to exclude physical damage coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let's say your Ford F-150 settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after paying your policy deductible. If it's costing in excess of $400 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some circumstances where only buying liability is not financially feasible. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.
Auto insurance rates based on gender in St. Louis
The example below compares Ford F-150 insurance rates for male and female drivers. The prices are based on a clean driving record, no claims, comp and collision included, $250 deductibles, single marital status, and no additional discounts are factored in.
Lower-cost St. Louis car insurance quotes with discounts
Car insurance is not inexpensive, but you may find discounts that could drop your premiums quite a bit. Some discounts apply automatically when you purchase, but some need to be specially asked for before you get the savings. If they aren't giving you every credit available, you're just leaving money on the table.
- Own a Home - Owning a home in St. Louis can help you save on car insurance since owning and maintaining a home demonstrates responsibility.
- Claim Free - Insureds with no claims or accidents can earn big discounts compared to drivers who are more careless.
- Early Signing - Select car insurance companies give a discount for buying a policy early. You could save around 10% when you buy St. Louis car insurance online.
- ABS Braking Discount - Cars with ABS and/or traction control can avoid accidents and the ABS can save up to 10%.
- Military Rewards - Being deployed in the military may qualify for rate reductions.
- Safe Drivers - Accident-free drivers can save as much as half off their rates than drivers with accident claims.
- Telematics Data - St. Louis drivers who agree to allow data collection to study driving patterns by using a small device installed in their vehicle like In-Drive from State Farm and Progressive's Snapshot might get better premium rates if their driving habits are good.
- Payment Discounts - By paying your policy upfront instead of paying each month you could save 5% or more.
- Life Insurance Discount - If the company offers life insurance, you could get a discount if you purchase a life insurance policy as well.
- Distant Student - Kids who attend college more than 100 miles from St. Louis without a vehicle on campus can receive lower rates.
Just know that some of the credits will not apply to the entire cost. Some only apply to individual premiums such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will reduce the premium cost.
Auto insurance companies that may have most of these discounts possibly include:
If you need lower rates, check with each company or agent to give you their best rates. Some discounts listed above might not apply in St. Louis. To choose car insurance companies with the best Ford F-150 insurance discounts in Missouri, follow this link.
How do Car Insurance Companies Determine Ford F-150 Insurance Rates?
Many different elements are taken into consideration when quoting car insurance. Some are obvious like a motor vehicle report, although some other factors are less obvious like where you live or your financial responsibility. When buying insurance it's important to understand the rating factors that aid in calculating your policy premiums. When consumers understand what controls the rates you pay, this enables informed choices that can earn you lower insurance prices.
Listed below are some of the things used by companies to determine premiums.
- Incidental coverages can cost a lot - There are a ton of additional coverages that you can get tricked into buying on your insurance policy. Add-on coverages like vanishing deductibles, better glass coverage, and term life insurance are examples of these. These coverages may sound good when talking to your agent, but if they're wasting money consider taking them off your policy.
- Where you call home plays a part - Living in small towns and rural areas is a positive aspect when trying to find low car insurance rates. Residents of big cities regularly have more traffic problems and longer commute times. Fewer people translates into fewer accident claims as well as less vandalism and auto theft.
- Liability insurance preserves assets - Liability insurance will protect you in the event that you are determined to be liable for physical damage or personal injury to other. Liability provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
- Your gender affects prices - Over the last 30 years, statistics show that females take fewer risks when driving. It does not mean women are better drivers. They both get in fender benders in similar percentages, but men have accidents that have higher claims. Not only are claims higher, but men receive more major tickets such as reckless driving.
- High credit scores save money - Your credit score is likely to be a major factor in your rate calculation. People with very good credit scores tend to be less risk to insure than drivers who have worse credit. So if your credit score could use some work, you could potentially save money when insuring your Ford F-150 if you clean up your credit.
- Save money with alarm systems - Selecting a car model with an alarm system can help lower your premiums. Systems that thwart thieves like GM's OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft and help bring rates down.
- Policy lapses raise prices - Driving with no insurance can get you a ticket and as a result your rates will increase for letting your coverage lapse. Not only will you pay more, getting caught without coverage might get you fines and jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with the Missouri DMV.
- Ford F-150 claim statistics - Insurers study historical loss data to calculate a rate that will offset losses. Vehicles that the data shows to have higher losses will cost more for coverage. The table below illustrates the historical loss data for Ford F-150 vehicles.
For each coverage type, the statistical loss for all vehicles, without regard to make or model, is equal to 100. Numbers below 100 indicate better than average losses, while numbers that are greater than 100 indicate a higher chance of having a claim or a tendency for losses to be larger than average.
Ford F-150 Insurance Claim Statistics
Make and 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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
What is the best insurance coverage?
When it comes to buying the best insurance coverage, there really is no "perfect" insurance plan. Every insured's situation is different.
For example, these questions might point out whether or not you would benefit from an agent's advice.
- Should I carry comprehensive and collision coverage?
- Do I need an umbrella policy?
- How do I buy GAP insurance?
- Do I pay less for low miles?
- What discounts do I qualify for?
- How long can I keep a teen driver on my policy?
- Am I covered if I crash into my own garage door?
- How can I get the company to pay a claim?
- Do I have newly-acquired coverage?
- Is pleasure use cheaper than using my Ford F-150 to commute?
If you can't answer these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It's fast, doesn't cost anything and can help protect your family.
When to talk to an agent
Some consumers would rather buy from a local agent and that is just fine! Insurance agents are highly skilled in risk management and help file insurance claims. An additional benefit of getting online price quotes is you may find cheap insurance rates and still choose a local agent.
Once you complete this form (opens in new window), your coverage information is transmitted to local insurance agents who will return price quotes for your business. You won't need to contact an agency because quoted prices will be sent to the email address you provide. If you need to quote rates from a specific company, you would need to jump over to their website to submit a rate quote request.
Finding a good insurer should depend on more than just the quoted price. Any good agent in St. Louis should know the answers to these questions.
- Is there a Errors and Omissions policy in force?
- Can glass claims be handled at your home?
- Who are their largest clients?
- Are they primarily personal or commercial lines agents in St. Louis?
- How experienced are they in personal risk management?
Pick the best car insurance agent in St. Louis for you
If you want a reputable agency, it can be helpful to understand the different types of agents and how they are distinctly different. St. Louis agents can either be exclusive agents or independent agents. Either type can write policy coverage, but it's important to point out how they differ because it can influence which agent you choose.
Exclusive Insurance Agents
Exclusive agencies write business for a single company such as Allstate, AAA, Farmers Insurance, and State Farm. These agents are not able to place coverage with different providers so they have no alternatives for high prices. Exclusive agents are trained well on their company's products which helps them sell insurance even at higher premiums.
Listed below is a short list of exclusive insurance agencies in St. Louis that can give you comparison quotes.
Independent agents are appointed with more than one company and that allows them to write policies amongst many companies and find you the best rates. If you want to switch companies, they simply move the coverage in-house which is easy for the insured.
When comparing rates, we highly recommend that you get several quotes from at a minimum one independent agency in order to have the best price comparison.
Shown below is a list of independent insurance agents in St. Louis willing to provide rate quotes.
Cover all your bases
Throughout this article, we presented some good ideas how you can reduce Ford F-150 insurance rates online in St. Louis. It's most important to understand that the more rate quotes you have, the higher your chance of finding low cost St. Louis car insurance quotes. Drivers may even discover the lowest priced car insurance comes from the smaller companies.
There are still a few companies who may not provide the ability to get quotes online and these small, regional companies work with independent insurance agencies. Low-cost Ford F-150 insurance in St. Louis can be found from both online companies as well as from independent agents in St. Louis, and you should be comparing both to get a complete price analysis.
When shopping online for car insurance, it's a bad idea to buy poor coverage just to save money. Too many times, someone sacrificed uninsured motorist or liability limits and learned later that the savings was not a smart move. Your objective should be to get the best coverage possible at the best possible price, but do not skimp to save money.
To read more, link through to the articles below:
- What if I Can't Find Coverage? (Insurance Information Institute)
- What Car Insurance is Cheapest for a Learners Permit in Missouri? (FAQ)
- What is the Cheapest Auto Insurance in Lees Summit, Missouri? (FAQ)
- How Much is Missouri Car Insurance for Teenage Males? (FAQ)
- Who Has the Cheapest Auto Insurance for a Ford Escape in Missouri? (FAQ)
- Who Has the Cheapest Missouri Auto Insurance for Electric Cars? (FAQ)
- Top Signs Your Brakes are Giving Out (State Farm)
- Information for Teen Drivers (GEICO)
- Understanding your Policy (NAIC.org)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)