The preferred way to get low-cost Ford F-150 insurance in Nashville is to start doing an annual price comparison from insurers that sell auto insurance in Tennessee.
Step 1: Read about policy coverages and the measures you can take to keep rates in check. Many factors that result in higher prices like distracted driving and a less-than-favorable credit score can be rectified by making minor changes in your lifestyle.
Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agents can provide rate quotes for a wide range of companies. Begin your rate comparison
Step 3: Compare the price quotes to your current policy to see if a cheaper rate is available. If you can save some money, make sure coverage does not lapse between policies.
Step 4: Give notification to your agent or company of your decision to cancel your current policy. Submit any necessary down payment along with the completed application to your new carrier. Once coverage is bound, place your new proof of insurance certificate in your vehicle.
An essential thing to point out is that you’ll want to compare identical coverage information on each price quote and and to get rate quotes from as many companies as possible. Doing this ensures a fair rate comparison and maximum price selection.
We don’t have to tell you that auto insurance companies want to keep you from shopping around. Insureds who shop around will, in all likelihood, move their business because the odds are good of finding lower rate quotes. A recent study showed that people who shopped around saved over $865 annually compared to policyholders who don’t make a habit of comparing rates.
If finding low prices for insurance in Nashville is the reason for your visit, then having some insight into the best way to shop and compare insurance premiums can make it easier to shop your coverage around.
Buying the cheapest insurance in Nashville can be made easier if you know where to look. Practically every car owner who needs more affordable insurance will be able to find lower rates. Although Tennessee consumers must learn how companies determine prices and use this information to your advantage.
Cheapest companies for Ford F-150 insurance in Tennessee
The companies shown below have been selected to offer quotes in Tennessee. If multiple companies are listed, we recommend you visit as many as you can to find the cheapest auto insurance rates.
Facts and figures for Ford F-150 insurance
The information displayed next covers estimates of prices for Ford F-150 models. Learning a little about how auto insurance premiums are figured is important for drivers to make informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$116||$150||$294||$18||$88||$666||$56|
|F-150 STX Regular Cab 2WD||$116||$190||$294||$18||$88||$706||$59|
|F-150 XL Super Cab 2WD||$116||$190||$294||$18||$88||$706||$59|
|F-150 XLT Regular Cab 2WD||$116||$190||$294||$18||$88||$706||$59|
|F-150 STX Super Cab 2WD||$116||$190||$294||$18||$88||$706||$59|
|F-150 XL Crew Cab 2WD||$134||$190||$294||$18||$88||$724||$60|
|F-150 XLT Super Cab 2WD||$134||$190||$294||$18||$88||$724||$60|
|F-150 STX Regular Cab 4WD||$134||$190||$294||$18||$88||$724||$60|
|F-150 XL Regular Cab 4WD||$134||$190||$294||$18||$88||$724||$60|
|F-150 FX2 Super Cab 2WD||$134||$190||$294||$18||$88||$724||$60|
|F-150 XLT Crew Cab 2WD||$134||$190||$294||$18||$88||$724||$60|
|F-150 XL Super Cab 4WD||$134||$190||$294||$18||$88||$724||$60|
|F-150 XLT Regular Cab 4WD||$134||$190||$294||$18||$88||$724||$60|
|F-150 XL Crew Cab 4WD||$150||$190||$294||$18||$88||$740||$62|
|F-150 STX Super Cab 4WD||$150||$190||$294||$18||$88||$740||$62|
|F-150 XLT Super Cab 4WD||$150||$190||$294||$18||$88||$740||$62|
|F-150 FX2 2WD||$150||$232||$294||$18||$88||$782||$65|
|F-150 Lariat Super Cab 2WD||$150||$232||$294||$18||$88||$782||$65|
|F-150 Lariat Crew Cab 2WD||$150||$232||$294||$18||$88||$782||$65|
|F-150 FX4 Super Cab 4WD||$150||$232||$294||$18||$88||$782||$65|
|F-150 XLT Crew Cab 4WD||$150||$232||$294||$18||$88||$782||$65|
|F-150 FX4 4WD||$150||$232||$294||$18||$88||$782||$65|
|F-150 Lariat Crew Cab 4WD||$150||$232||$294||$18||$88||$782||$65|
|F-150 SVT Raptor Super Cab 4WD||$150||$232||$294||$18||$88||$782||$65|
|F-150 Lariat Super Cab 4WD||$150||$232||$294||$18||$88||$782||$65|
|F-150 Lariat Crew Cab Platinum 2WD||$150||$274||$294||$18||$88||$824||$69|
|F-150 Lariat Crew Cab Harley 2WD||$150||$274||$294||$18||$88||$824||$69|
|F-150 Lariat King Ranch 2WD||$150||$274||$294||$18||$88||$824||$69|
|F-150 Lariat King Ranch 4WD||$168||$274||$294||$18||$88||$842||$70|
|F-150 Lariat Crew Cab Harley 4WD||$168||$274||$294||$18||$88||$842||$70|
|F-150 Lariat Crew Cab Platinum 4WD||$168||$274||$294||$18||$88||$842||$70|
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Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in vehicle location which can alter premium rates greatly.
The example below illustrates how choosing a deductible and can change Ford F-150 premium costs for different age groups. The information is based on a single male driver, comprehensive and collision coverage, and no discounts are applied.
Ford F-150 insurance premiums by gender and age
The chart below visualizes the comparison of Ford F-150 auto insurance rates for male and female drivers. The premium estimates are based on no claims, a clean driving record, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
Ford F-150 full coverage rates compared to liability only
The example below illustrates the difference between Ford F-150 insurance prices with full coverage compared to only the Tennessee minimum liability coverage. The premium estimates are based on no claims or violations, $500 deductibles, single status, and no discounts are applied to the premium.
When to stop buying comprehensive and collision coverage
There isn’t a written rule to eliminate comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s say your Ford F-150 settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after you pay the deductible. If you are currently paying more than $200 a year for your policy with full coverage, then you might consider buying liability only.
There are some circumstances where buying only liability insurance is not in your best interest. If you still have a lienholder on your title, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not buy liability only.
What Affects Ford F-150 Insurance Premiums?
Part of the insurance buying process is learning the factors that aid in calculating the price you pay for insurance. If you know what positively or negatively impacts your premiums, this enables you to make decisions that can help you get cheaper rates. Lots of things are considered when quoting car insurance. A few of the factors are predictable like your driving record, but other factors are less obvious like your continuous coverage or how financially stable you are.
Don’t buy incidental coverages that may not be needed – There are quite a few optional add-on coverages that may not really be needed if you don’t pay attention. Coverages for coverage for rental cars, high-cost glass coverage, and motor club memberships may not be needed and are just wasting money. These may sound like a good investment when deciding what coverages you need, but if you have no use for them remove them from your policy.
Use one insurance company and save – Lots of insurers will give a discount to insureds that have more than one policy, otherwise known as a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. Even with this discount applied, it’s always a smart idea to compare Ford F-150 rates in Nashville to help ensure you have the lowest rates.
Drive a safer car and pay less – Safe vehicles tend to have lower insurance rates. Safer cars help reduce the chance of injuries in an accident and fewer injuries means less claims paid which can mean better rates for you.
Liability protection is cheap – The liability section of your policy provides coverage if ever you are ruled to be at fault for an accident. Liability provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
Insurance loss data for a Ford F-150 – Insurance companies analyze claim trends for every vehicle to help calculate a profitable premium price. Models that the data determines to have higher prevalence or dollar amount of losses will have a higher cost to insure.
The data below shows the historical insurance loss data for Ford F-150 vehicles. For each coverage category, the loss probability for all vehicles averaged together is considered to be 100. Numbers shown that are under 100 indicate better than average losses, while percentage values above 100 indicate more frequent losses or larger claims.
|Vehicle 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
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Nashville insurance discounts for a Ford F-150
Auto insurance companies don’t list every discount they offer in a way that’s easy to find, so the below list has some of the best known as well as the least known credits that you can use to lower your rates.
- Senior Citizens – Drivers over the age of 55 are able to get a slight reduction on a Nashville car insurance quote.
- Military Deployment Discount – Having a family member in the military may lower your prices slightly.
- Discount for Swiching Early – Some car insurance companies reward drivers for signing up early. This discount can save up to 10%.
- Theft Deterrent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are less likely to be stolen and earn discounts up to 10% off your Nashville car insurance quote.
- Policy Bundle Discount – When you have multiple policies with one insurance company you may earn as much as 10 to 15 percent.
- Multi-Vehicle Discounts – Insuring more than one vehicle on the same car insurance policy can get a discount for every vehicle.
- Low Mileage Discounts – Low annual miles can qualify you for discounted car insurance rates on garaged vehicles.
- Passive Restraints – Factory air bags or motorized seat belts can qualify for discounts of 25 to 30%.
- Early Payment Discounts – By paying your policy upfront instead of paying each month you may reduce your total bill.
Remember that many deductions do not apply to the whole policy. Most only cut specific coverage prices like liability and collision coverage. Even though it appears it’s possible to get free car insurance, it doesn’t quite work that way.
The chart below shows the comparison of Ford F-150 insurance premiums with and without discounts applied to the policy rates. The data assumes a female driver, no claims or violations, Tennessee state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-policy, multi-car, homeowner, and safe-driver discounts applied.
A few companies who may offer some of the discounts shown above include:
- State Farm
- Liberty Mutual
- American Family
- Farmers Insurance
- Auto-Owners Insurance
Check with every company how many discounts you can get. Depending on the company, some discounts might not apply in your area.
Comparing quotes from local Nashville auto insurance agents
Some consumers would prefer to sit down and talk to an agent and that can be a great decision One of the best bonuses of comparing rates online is the fact that drivers can get lower rates but still work with a licensed agent.
Once you complete this form (opens in new window), the coverage information is instantly submitted to participating agents in Nashville who will return price quotes for your insurance coverage. There is no need to contact any agents because prices are sent immediately to your email address. You can get cheaper auto insurance rates and an insurance agent to talk to. If you want to compare rates for a specific company, don’t hesitate to visit that company’s website and give them your coverage information.
Picking an insurer should include more criteria than just a low price. Ask your prospective agent these questions:
- How long has the business existed?
- How does the company pay claims for a total loss?
- Will they make sure you get an adequate claim settlement?
- Do the companies they represent have a solid financial rating?
- Are there any extra charges for paying monthly?
The following are Nashville car insurance companies that may be willing to give price quote information for Ford F-150 insurance in Nashville.
- Mills Insurance
4525 Harding Pike Ste 244 – Nashville, TN 37205 – (615) 620-4452 – View Map
- Tri-City Insurance Agency
4400 Nolensville Pike – Nashville, TN 37211 – (615) 331-0770 – View Map
- Jerry Matthews – State Farm Insurance Agent
2010 Old Murfreesboro Rd – Nashville, TN 37217 – (615) 361-1516 – View Map
- Robins Insurance Agency, Inc.
30 Burton Hills Blvd #300 – Nashville, TN 37215 – (615) 665-9200 – View Map
It’s not one size fits all
When buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Your situation is unique.
For example, these questions may help you determine if you may require specific advice.
- Who does medical payments coverage extend to?
- If I drive on a suspended license am I covered?
- Can my babysitter drive my car?
- Can I afford to buy a different vehicle if my Ford F-150 is totaled?
- Should I have combined single limit or split liability limits?
- Should I get collision insurance on every vehicle?
- Can I insure my car for more than it’s worth?
- Is my business laptop covered if it gets stolen from my vehicle?
- What can I do if my company denied a claim?
- Should I buy only the required Tennessee minimum liability coverage?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form.
Car insurance savings summarized
When searching for low cost Nashville car insurance quotes, it’s not a good idea to reduce coverage to reduce premium. Too many times, an accident victim reduced collision coverage and learned later that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage at an affordable rate but still have enough coverage for asset protection.
We just covered a lot of information how to find lower-cost Ford F-150 insurance in Nashville. The most important thing to understand is the more providers you compare, the better likelihood of getting inexpensive Nashville car insurance quotes. Consumers may even find the lowest auto insurance rates come from the least-expected company.
Drivers change insurance companies for many reasons like policy non-renewal, not issuing a premium refund, an unsatisfactory settlement offer or unfair underwriting practices. It doesn’t matter what your reason, finding the right car insurance provider can be easier than you think.
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