Finding more affordable Ford F-150 insurance in Mobile might be hard for people who are new to online comparison shopping. With so many insurers available, it can quickly become hard work to locate the lowest price in Alabama.
Shockingly, the majority of drivers kept buying from the same company for over three years, and virtually 40% of consumers have never compared rate quotes at all. With the average auto insurance premium being $1,334, Alabama drivers could save up to $490 each year just by shopping around, but they don't know the amount of savings they would get if they just switched companies.
The purpose of this article is to help educate you on the most effective way to quote insurance and how to save the most money. If you are insured now, you will surely be able to shop for the lowest rates using these methods. But Alabama vehicle owners need to learn how big insurance companies sell online because it varies considerably.
It's important to know that obtaining a wide range of quotes will increase your chances of finding the best rates. Not every company allows you to get online price quotes, so you should also compare prices from them, too.
The companies shown below can provide comparison quotes in Alabama. If multiple companies are shown, we recommend you visit as many as you can in order to find the lowest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$218||$330||$382||$22||$114||$1,066||$89|
|F-150 STX Regular Cab 2WD||$248||$496||$408||$24||$122||$1,298||$108|
|F-150 XL Super Cab 2WD||$180||$286||$344||$20||$102||$932||$78|
|F-150 XLT Regular Cab 2WD||$218||$444||$382||$22||$114||$1,180||$98|
|F-150 STX Super Cab 2WD||$128||$208||$348||$20||$104||$808||$67|
|F-150 XL Crew Cab 2WD||$182||$300||$382||$22||$114||$1,000||$83|
|F-150 XLT Super Cab 2WD||$212||$292||$338||$20||$100||$962||$80|
|F-150 STX Regular Cab 4WD||$126||$192||$324||$20||$96||$758||$63|
|F-150 XL Regular Cab 4WD||$330||$430||$442||$26||$132||$1,360||$113|
|F-150 FX2 Super Cab 2WD||$264||$396||$348||$20||$104||$1,132||$94|
|F-150 XLT Crew Cab 2WD||$250||$408||$438||$26||$132||$1,254||$105|
|F-150 XL Super Cab 4WD||$182||$300||$382||$22||$114||$1,000||$83|
|F-150 XLT Regular Cab 4WD||$250||$444||$382||$22||$114||$1,212||$101|
|F-150 XL Crew Cab 4WD||$282||$408||$438||$26||$132||$1,286||$107|
|F-150 STX Super Cab 4WD||$314||$486||$438||$26||$132||$1,396||$116|
|F-150 XLT Super Cab 4WD||$272||$292||$442||$26||$132||$1,164||$97|
|F-150 FX2 2WD||$294||$440||$338||$20||$100||$1,192||$99|
|F-150 Lariat Super Cab 2WD||$206||$348||$354||$20||$106||$1,034||$86|
|F-150 Lariat Crew Cab 2WD||$156||$270||$382||$22||$114||$944||$79|
|F-150 FX4 Super Cab 4WD||$282||$540||$382||$22||$114||$1,340||$112|
|F-150 XLT Crew Cab 4WD||$234||$408||$408||$24||$122||$1,196||$100|
|F-150 FX4 4WD||$184||$294||$318||$18||$94||$908||$76|
|F-150 Lariat Crew Cab 4WD||$230||$374||$324||$20||$96||$1,044||$87|
|F-150 SVT Raptor Super Cab 4WD||$176||$270||$344||$20||$102||$912||$76|
|F-150 Lariat Super Cab 4WD||$230||$374||$324||$20||$96||$1,044||$87|
|F-150 Lariat Crew Cab Platinum 2WD||$282||$636||$382||$22||$114||$1,436||$120|
|F-150 Lariat Crew Cab Harley 2WD||$218||$384||$348||$20||$104||$1,074||$90|
|F-150 Lariat King Ranch 2WD||$182||$326||$338||$20||$100||$966||$81|
|F-150 Lariat King Ranch 4WD||$158||$276||$324||$20||$96||$874||$73|
|F-150 Lariat Crew Cab Harley 4WD||$230||$430||$382||$22||$114||$1,178||$98|
|F-150 Lariat Crew Cab Platinum 4WD||$332||$568||$348||$20||$104||$1,372||$114|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rates do not factor in specific Mobile garaging location which can lower or raise coverage prices greatly.
Rate difference between full and liability-only coverage
The illustration below illustrates the comparison of Ford F-150 insurance prices when comparing full coverage to liability only. The data is based on no violations or accidents, $1,000 deductibles, single female driver, and no policy discounts are applied.
Guidelines for dropping full coverage
There is no exact formula for phasing out comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let's say your Ford F-150 book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $4,000 after the deductible is paid. If you are paying more than $400 a year for full coverage, then you may need to consider dropping full coverage.
There are some circumstances where removing full coverage is not advised. If you still owe a portion of the original loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage.
Insuring your Ford F-150 just makes sense
Despite the high insurance cost for a Ford F-150 in Mobile, insurance is not optional due to several reasons.
- The majority of states have mandatory insurance requirements which means you are required to buy a minimum amount of liability insurance if you drive a vehicle. In Alabama these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Ford F-150, most lenders will require you to have physical damage coverage to guarantee their interest in the vehicle. If the policy lapses, the lender may have to buy a policy to insure your Ford at a much higher rate and force you to pay a much higher amount than you were paying before.
- Insurance safeguards both your Ford F-150 and your personal assets. It also can pay for hospital and medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you cause an accident and are sued. If your car is damaged in a storm or accident, your policy will pay all costs to repair after the deductible has been paid.
The benefits of having insurance greatly outweigh the cost, especially with large liability claims. According to a recent study, the average American driver overpays as much as $825 a year so you should quote rates each time the policy renews to help ensure money is not being wasted.
Ford F-150 insurance discounts in Mobile
Companies don't always list all available discounts in a way that's easy to find, so the list below details some of the best known as well as some of the hidden credits available to lower your premiums when you buy Mobile car insurance online.
- Federal Employees - Active or former government employment can earn a discount up to 10% with certain companies.
- Pay Upfront and Save - By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
- Seat Belts Save more than Lives - Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- More Vehicles More Savings - Buying insurance for multiple vehicles with the same company qualifies for this discount.
- Senior Citizen Rates - Seniors may be able to get reduced rates.
- No Claims - Insureds who avoid accidents and claims pay less in comparison with drivers who are more careless.
- Student Driver Training - Require your teen driver to participate in a local driver's education class if it's offered in school.
- Active Military Service - Being on active deployment in the military could be rewarded with lower rates.
- Passive Restraint Discount - Options like air bags and/or automatic seat belt systems may get savings of more than 20%.
Please keep in mind that most credits do not apply to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you aren't that lucky.
A partial list of companies that may have some of the above discounts may include but are not limited to:
When getting free Mobile car insurance quotes, it's a good idea to every insurance company what discounts are available to you. Some discounts listed above may not be offered in Mobile. If you would like to choose from a list of companies with the best discounts in Alabama, click here to view.
Do I need an insurance agency?
Many drivers would prefer to get advice from a local agent and doing that can be a smart decision One of the best bonuses of price shopping on the web is that drivers can save money and get cheap rate quotes and still have an agent to talk to. And supporting neighborhood insurance agencies is especially important in Mobile.
To find an agent, once you fill out this quick form, your insurance coverage information is emailed to local insurance agents that give free quotes to get your business. It simplifies rate comparisons since you won't have to leave your house because prices are sent directly to your email. You can find better rates and a licensed agent to talk to. If you wish to compare rates from a specific company, you just need to navigate to their website and complete a quote there.
If you prefer to buy car insurance from a reputable agency, it helps to know the two different agency structures and how they operate. Agents are categorized either exclusive agents or independent agents.
Independent Agents (or Brokers)
Agents that choose to be independent can quote rates with many companies and that enables them to quote your coverage amongst many companies and get you the best rates possible. To transfer your coverage to a different company, they simply move your policy to a different company and you don't have to switch agencies.
If you are trying to find cheaper rates, we recommend you compare prices from multiple independent agents to have the best price comparison. Most independent agents also contract with small mutual carriers which could offer lower prices.
Shown below is a short list of independent insurance agents in Mobile who may provide pricing information.
- Nationwide Insurance: Meredith Smith Agency Inc
1050 Hillcrest Rd Ste C - Mobile, AL 36695 - (251) 634-1503 - View Map
- Alfa Insurance Co
4180 Oak Ridge Ave # B - Mobile, AL 36619 - (251) 661-3432 - View Map
- Nationwide Insurance: Chambliss Insurance Inc
1208 W I65 Service Rd S - Mobile, AL 36609 - (251) 461-0685 - View Map
Exclusive Insurance Agents
Agents that elect to be exclusive are contracted to one company like Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot compare rates from other companies so they are skilled at selling on more than just price. These agents receive a lot of sales training on the products they sell which helps overcome the inability to quote other rates. Consumers sometimes buy insurance from these agents primarily because of the prominence of the brand and solid financial strength.
Below is a list of exclusive agents in Mobile that can give you price quote information.
- Rebekah Brown State Farm Insurance
119 S University Blvd - Mobile, AL 36608 - (251) 344-5874 - View Map
- Adrianne Fisher - State Farm Insurance Agent
6347 Airport Blvd c - Mobile, AL 36608 - (251) 343-1977 - View Map
- Allstate Insurance: Travis Everette
4251 Government Blvd - Mobile, AL 36693 - (251) 661-3300 - View Map
Picking the best auto insurance agent should include more criteria than just the quoted price. These are some questions you should get answers to.
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How long has their agency been in business in Mobile?
- Does the quote include credit and driving reports?
- Has the agent ever had any license suspensions?
- Are they primarily personal or commercial lines agents in Mobile?
- Are claims handled at the agent's location?
- Are there any discounts for paying up front?
Parts of your car insurance policy
Having a good grasp of car insurance helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Ford F-150.
Due to the fact that many Alabama drivers have only the minimum liability required by law (25/50/25), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually these coverages are similar to your liability insurance amounts.
This will cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person's injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage pays for things like repair bills for other people's vehicles, attorney fees, bail bonds, emergency aid and pain and suffering. How much liability should you purchase? That is a personal decision, but it's cheap coverage so purchase as high a limit as you can afford. Alabama requires minimum liability limits of 25/50/25 but it's recommended drivers buy higher limits.
Comprehensive or Other Than Collision
This covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as vandalism, hitting a bird, hail damage, a broken windshield and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.
Coverage for collisions
This covers damage to your F-150 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like rolling your car, colliding with another moving vehicle, driving through your garage door, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible on your F-150 in order to get cheaper collision rates.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like prosthetic devices, funeral costs, dental work, pain medications and surgery. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
Persistent drivers can save
Budget-friendly auto insurance in Mobile can be bought both online in addition to many Mobile insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers do not offer online rate quotes and many times these smaller companies provide coverage only through local independent agents.
Consumers switch companies for many reasons like questionable increases in premium, extreme rates for teen drivers, not issuing a premium refund or an unsatisfactory settlement offer. Whatever your reason, finding a new auto insurance company can be easier than you think.
When getting Mobile car insurance quotes online, don't be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice liability coverage limits and found out when filing a claim that the savings was not a smart move. Your goal should be to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.
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