Trying to find cheap Ford F-150 insurance in Indianapolis could be slightly frustrating for drivers who are beginners to quoting coverage rates online. With so many agents and companies, it can easily turn into a ton of work to find the best prices.
It's amazing but a large majority of car insurance policyholders in Indiana have stayed with the same insurance company for over three years, and nearly the majority have never even shopped around for cheaper coverage. With the average premium in the U.S. being $1,847, drivers could save 47% a year by just comparing quotes, but most undervalue the benefits if they changed companies.
You should make it a habit to check car insurance prices at least once a year because car insurance rates fluctuate regularly. Just because you found the lowest rate on Ford F-150 insurance in Indianapolis at your last renewal there may be better deals available now. Forget anything you know (or think you know) about car insurance because you're about to find out the things you must know in order to eliminate unnecessary coverages and save money on Ford F-150 insurance in Indianapolis.
Locating the best rates in Indianapolis is actually not that difficult if you follow our advice. Nearly everyone who has to buy insurance will most likely get a lower-priced policy. But Indiana consumers can benefit by having an understanding of how companies calculate their prices because it varies considerably.
Best Ford F-150 insurance rates in Indiana
The companies shown below can provide price comparisons in Indiana. If multiple providers are shown, we suggest you visit 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||$192||$258||$290||$18||$86||$844||$70|
|F-150 STX Regular Cab 2WD||$202||$406||$364||$22||$110||$1,104||$92|
|F-150 XL Super Cab 2WD||$182||$352||$318||$18||$94||$964||$80|
|F-150 XLT Regular Cab 2WD||$140||$222||$290||$18||$86||$756||$63|
|F-150 STX Super Cab 2WD||$162||$310||$318||$18||$94||$902||$75|
|F-150 XL Crew Cab 2WD||$186||$294||$318||$18||$94||$910||$76|
|F-150 XLT Super Cab 2WD||$232||$406||$364||$22||$110||$1,134||$95|
|F-150 STX Regular Cab 4WD||$116||$186||$318||$18||$94||$732||$61|
|F-150 XL Regular Cab 4WD||$208||$352||$294||$18||$88||$960||$80|
|F-150 FX2 Super Cab 2WD||$170||$256||$270||$16||$80||$792||$66|
|F-150 XLT Crew Cab 2WD||$276||$358||$368||$22||$110||$1,134||$95|
|F-150 XL Super Cab 4WD||$152||$250||$318||$18||$94||$832||$69|
|F-150 XLT Regular Cab 4WD||$172||$278||$340||$20||$102||$912||$76|
|F-150 XL Crew Cab 4WD||$200||$242||$280||$16||$84||$822||$69|
|F-150 STX Super Cab 4WD||$280||$300||$368||$22||$110||$1,080||$90|
|F-150 XLT Super Cab 4WD||$234||$370||$318||$18||$94||$1,034||$86|
|F-150 FX2 2WD||$172||$288||$318||$18||$94||$890||$74|
|F-150 Lariat Super Cab 2WD||$222||$336||$290||$18||$86||$952||$79|
|F-150 Lariat Crew Cab 2WD||$210||$358||$318||$18||$94||$998||$83|
|F-150 FX4 Super Cab 4WD||$210||$362||$264||$16||$80||$932||$78|
|F-150 XLT Crew Cab 4WD||$138||$212||$290||$18||$86||$744||$62|
|F-150 FX4 4WD||$188||$304||$264||$16||$80||$852||$71|
|F-150 Lariat Crew Cab 4WD||$152||$230||$280||$16||$84||$762||$64|
|F-150 SVT Raptor Super Cab 4WD||$302||$536||$380||$22||$114||$1,354||$113|
|F-150 Lariat Super Cab 4WD||$272||$436||$280||$16||$84||$1,088||$91|
|F-150 Lariat Crew Cab Platinum 2WD||$222||$396||$290||$18||$86||$1,012||$84|
|F-150 Lariat Crew Cab Harley 2WD||$188||$358||$264||$16||$80||$906||$76|
|F-150 Lariat King Ranch 2WD||$262||$580||$364||$22||$110||$1,338||$112|
|F-150 Lariat King Ranch 4WD||$132||$230||$270||$16||$80||$728||$61|
|F-150 Lariat Crew Cab Harley 4WD||$234||$426||$264||$16||$80||$1,020||$85|
|F-150 Lariat Crew Cab Platinum 4WD||$190||$358||$318||$18||$94||$978||$82|
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in vehicle garaging location which can change coverage rates considerably.
The diagram below shows how different deductible levels and can increase or decrease Ford F-150 annual premium costs for each different age group. The information is based on a single female driver, comp and collision included, and no discounts are factored in.
Discounts mean cheaper rates for Ford F-150 insurance in Indianapolis
Companies don't always advertise the entire discount list very well, so below is a list a few of the more well known and also the lesser-known discounts that may be available.
- Anti-lock Brakes - Cars and trucks equipped with ABS or steering control are much safer to drive and earn discounts up to 10%.
- Life Insurance Discount - If the company offers life insurance, you could get a break if you buy life insurance from them.
- No Accidents - Indianapolis drivers who stay claim-free can save substantially when compared with drivers with a long claim history.
- Theft Deterrent Discount - Vehicles that have factory anti-theft systems can help prevent theft and can earn a small discount on your policy.
- Onboard Data Collection - Drivers who elect to allow companies to study driving patterns by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate's Drivewise system could possibly reduce rates if they show good driving skills.
- Senior Citizen Discount - If you're over the age of 55, you are able to get reduced rates.
One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, you won't be that lucky.
To locate insurers with significant discounts in Indiana, follow this link.
Local agents and insurance
Certain consumers just want to get professional advice from a licensed agent and doing so can bring peace of mind One of the best bonuses of comparing rates online is that you can find cheap insurance rates and still buy from a local agent.
To find an agent, once you fill out this simple form, your coverage information is emailed to agents in your area that can provide free Indianapolis auto insurance quotes for your insurance coverage. You don't have to search for any insurance agencies since rate quotes are delivered instantly to you. You can get cheaper insurance rates and a licensed agent to work with. If you have a need to get a comparison quote from a specific insurance provider, you just need to visit that company's website and fill out their quote form.
Choosing a provider needs to be determined by more than just the bottom line cost. These are some valid questions you should ask.
- What is their Better Business Bureau rating?
- Will one accident increase rates?
- Which company do they place the most coverage with?
- Do the companies they represent have a solid financial rating?
- Does their agency support local causes in Indianapolis?
If you prefer to buy insurance from a reputable agency, it's helpful to know the different types of agencies and how they work. Insurance agencies in Indianapolis may be either exclusive or independent.
Exclusive Insurance Agents
These agents can only place business with one company and examples are Farmers Insurance or State Farm. These agents are unable to place coverage with different providers so they have to upsell other benefits. They are usually well trained on the products they sell which helps them compete with independent agents. Some consumers prefer to use the same exclusive agent partially due to the brand instead of buying on price only.
Listed below are exclusive agencies in Indianapolis that can give you price quote information.
- Jim Grounds - State Farm Insurance Agent
4745 Statesmen Dr d - Indianapolis, IN 46250 - (317) 842-6807 - View Map
- Brandon Libunao - State Farm Insurance Agent
1014 Prospect St - Indianapolis, IN 46203 - (317) 783-3391 - View Map
- Allstate Insurance: Donald Oldham
303 N Alabama St #360 - Indianapolis, IN 46204 - (317) 687-0777 - View Map
Agents that elect to be independent often have affiliation with several companies so they have the ability to put coverage amongst many companies and find the cheapest insurance rates. If your premiums go up, your agent can switch companies and you don't have to do anything.
When comparing rates, we recommend you include several independent agencies to have the most options to choose from. Many write coverage with different regional companies which could offer lower prices.
Shown below are Indianapolis independent insurance agencies that can give you rate quotes.
- Summit Insurance Agency Inc
9302 N Meridian St #297 - Indianapolis, IN 46260 - (317) 844-4701 - View Map
- Gregory and Appel Insurance
1402 N Capitol Ave #400 - Indianapolis, IN 46202 - (317) 634-7491 - View Map
- Skaggs Insurance Agencies Inc
5519 E 82nd St e - Indianapolis, IN 46250 - (317) 841-6000 - View Map
Insurance coverage specifics
Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.
Auto liability - This protects you from damage or injury you incur to other's property or people. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/10 that means you have $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and property damage coverage for $10,000.
Liability insurance covers things like bail bonds, structural damage, medical expenses and court costs. How much liability coverage do you need? That is your choice, but it's cheap coverage so purchase higher limits if possible. Indiana requires minimum liability limits of 25/50/10 but you should think about purchasing more liability than the minimum.
Comprehensive insurance - Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as damage from getting keyed, falling objects and vandalism. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.
Coverage for uninsured or underinsured drivers - Your UM/UIM coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Ford F-150.
Due to the fact that many Indiana drivers have only the minimum liability required by law (25/50/10), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.
Collision coverages - Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like scraping a guard rail, colliding with another moving vehicle, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It's also possible to increase the deductible on your F-150 to bring the cost down.
Coverage for medical expenses - Coverage for medical payments and/or PIP pay for immediate expenses such as funeral costs, nursing services, dental work, pain medications and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Compare rates regularly to save
Insureds leave their current company for a number of reasons such as extreme rates for teen drivers, policy non-renewal, high rates after DUI convictions or delays in paying claims. Whatever your reason, finding a new insurance company is not as hard as you think.
We just showed you a lot of information how to lower your Ford F-150 insurance prices in Indianapolis. The key thing to remember is the more companies you get rates for, the higher your chance of finding inexpensive Indianapolis auto insurance quotes. Drivers may even discover the most savings is with some of the lesser-known companies.
When trying to cut insurance costs, it's very important that you do not reduce needed coverages to save money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits only to regret that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage for the lowest price, but do not skimp to save money.
Helpful learning opportunities
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- What is the Best Car Insurance in Columbus, IN? (FAQ)
- How Much is Auto Insurance for Infrequent Drivers in Indiana? (FAQ)
- Who Has the Cheapest Indiana Auto Insurance Quotes After a Speeding Ticket? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Toyota Highlander in Indiana? (FAQ)
- What is the Cheapest Car Insurance in South Bend, Indiana? (FAQ)
- Who Has the Cheapest Indiana Auto Insurance for Low Mileage Drivers? (FAQ)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Booster Seat Ratings (iihs.org)
- Auto Crash Statistics (Insurance Information Institute)
- Steps to Take After an Auto Accident (Insurance Information Institute)