Insuring Your Ford Pickup Truck

August 5, 2009
With 588,952 sales in 2007, the Ford F-Series was the top selling pickup truck for 2007. This is no surprise to those in the know the F-Series has been Americas best-selling vehicle for the past 30 years. It beat out the popular Chevy truck, currently at number two, for the number one spot on the list of top selling vehicles for 2007. The Chevy Silverado recorded 526,575 units sold for 2007, (down only 2.4% from 2006), while Ford F-Series sales decreased by 12.5% between 2006 and 2007.

While the Ford pickup truck is Americas top selling vehicle, it is also tops with auto insurance companies, so you wont have any trouble insuring your Ford pickup truck. However, because of the Ford pickups popularity, price, and specs, insuring one could end up costing quite a bit more than other pickups in its class.  

And believe it or not, if you own an earlier model Ford pickup truck, such as 1997 Ford F-150, you might end up paying a higher auto insurance premium than a later model. Why? The 1997 Ford F-150 happens to be on the FBIs list of most stolen cars in America.

The cost of a new Ford F-150 pickup can vary greatly depending on the trim. Prices for the Ford F-150 ranges from around $24,405 for a styleside short bed regular cab up to $48,835 for a supercrew short bed crew cab pickup.

While it may seem like both early and late model Ford pickups share the same fate when it comes to auto insurance, if you shop and compare and if you are knowledgeable about what discounts are available to you, you just might find an auto insurance rate you can live with. When shopping for auto insurance for your Ford pickup truck, start with nationwide (meaning big name) insurance companies. They usually offer the widest variety of auto insurance products and they are also very receptive to offering auto insurance discounts on Ford pickup trucks for:

  • Adding a new driver to your Chevy auto insurance policy
  • Adding another vehicle to Chevy auto insurance policy
  • At least 5 years of driving experience with an excellent driving record (i.e., no accidents or traffic violations)
  • Being a good student (if applicable)
  • Belonging to a qualifying group, employer, or organization (inquire within)
  • Combining life insurance and your Chevy auto insurance
  • Combining your home owners and Chevy car insurance
  • Education yes, having an advanced education can help you save on your Chevy truck insurance premium.
  • Farm Bureau Members in California, Connecticut, Delaware, Maryland, Ohio, Pennsylvania, Vermont, and West Virginia
  • Installing extra safety and security features (anti-theft device, passive occupant restraints)
  • Successful completion of a accident prevention or defensive driver course (course must be approved by your states Department of Motor Vehicles)
While there are a number of auto insurance discounts available for Ford pickup truck owners, it is important to keep in mind that a number of other factors can affect your Ford pickup auto insurance rates. These include: model, year, and usage as well as the drivers age, gender, geography, marital status, credit rating, and occupation.

Michelle Burton is a published author and contributing editor for Auto Insurance Tips, Trouvé Media, Internet Brands, and Publications International, Ltd.

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