Affordable Ford F-150 Insurance in Virginia Beach

Insurance quote for Ford F-150 in Virginia BeachDo you want more competitive car insurance rates in Virginia Beach, VA? Virginia Beach shoppers have lots of choices when shopping for the best price on Ford F-150 insurance. You can either waste hours calling around getting price quotes or save time using the internet to compare rates. There are both good and bad ways to compare car insurance rates and we’ll show you the proper way to price shop coverage on a Ford and locate the cheapest rates either online or from Virginia Beach insurance agents.

Unbelievably, the vast majority of car insurance customers kept buying from the same company for a minimum of four years, and just under half have never even shopped around for cheaper coverage. Virginia insurance shoppers can save hundreds of dollars each year by just comparing quotes, but most just don’t grasp the amount of savings they would get if they swap their current policy for a cheaper one.

Locating the most cost-effective insurance policy in Virginia Beach can be much easier if you know how to start. If you are insured now, you stand a good chance to be able to save money using the ideas covered in this article. Smart shoppers just have to know how to compare insurance rates from many different companies.

How to buy Ford F-150 insurance in Virginia Beach

The providers in the list below provide comparison quotes in Virginia. To get the cheapest auto insurance in Virginia Beach, it’s highly recommended you click on several of them to find the most affordable car insurance rates.

Don’t neglect these money saving discounts

Not too many consumers would say insurance is affordable, but you might already qualify for some discounts that can drop the cost substantially. Some trigger automatically when you get a quote, but once in a while a discount must be asked about prior to receiving the credit. If you aren’t receiving every discount you qualify for, you may be paying too high a price.Cheaper insurance with discounts

Discounts save money, but please remember that most credits do not apply to all coverage premiums. Most only cut specific coverage prices like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, nobody gets a free ride. Any amount of discount will reduce your overall premium however.

The chart below shows the difference between Ford F-150 car insurance costs with and without discounts applied to the policy premium. The rates are based on a male driver, no tickets, no at-fault accidents, Virginia state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, safe-driver, multi-policy, and marriage discounts applied.

A few of the larger companies and a selection of discounts include:

If you are trying to find affordable Ford F-150 insurance quotes, ask every insurance company which discounts you may be entitled to. A few discounts may not be offered in Virginia Beach. To find providers that provide some of the discounts listed above in Virginia, click here to view.

Rate information and statistics

The data table below covers a range of insurance prices for Ford F-150 models. Understanding more about how insurance policy rates are formulated can be of help when making decisions when choosing a new policy provider.

Ford F-150 Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $190 $296 $312 $18 $94 $910 $76
F-150 STX Regular Cab 2WD $190 $378 $312 $18 $94 $992 $83
F-150 XL Super Cab 2WD $190 $378 $312 $18 $94 $992 $83
F-150 XLT Regular Cab 2WD $190 $378 $312 $18 $94 $992 $83
F-150 STX Super Cab 2WD $190 $378 $312 $18 $94 $992 $83
F-150 XL Crew Cab 2WD $218 $378 $312 $18 $94 $1,020 $85
F-150 XLT Super Cab 2WD $218 $378 $312 $18 $94 $1,020 $85
F-150 STX Regular Cab 4WD $218 $378 $312 $18 $94 $1,020 $85
F-150 XL Regular Cab 4WD $218 $378 $312 $18 $94 $1,020 $85
F-150 FX2 Super Cab 2WD $218 $378 $312 $18 $94 $1,020 $85
F-150 XLT Crew Cab 2WD $218 $378 $312 $18 $94 $1,020 $85
F-150 XL Super Cab 4WD $218 $378 $312 $18 $94 $1,020 $85
F-150 XLT Regular Cab 4WD $218 $378 $312 $18 $94 $1,020 $85
F-150 XL Crew Cab 4WD $244 $378 $312 $18 $94 $1,046 $87
F-150 STX Super Cab 4WD $244 $378 $312 $18 $94 $1,046 $87
F-150 XLT Super Cab 4WD $244 $378 $312 $18 $94 $1,046 $87
F-150 FX2 2WD $244 $460 $312 $18 $94 $1,128 $94
F-150 Lariat Super Cab 2WD $244 $460 $312 $18 $94 $1,128 $94
F-150 Lariat Crew Cab 2WD $244 $460 $312 $18 $94 $1,128 $94
F-150 FX4 Super Cab 4WD $244 $460 $312 $18 $94 $1,128 $94
F-150 XLT Crew Cab 4WD $244 $460 $312 $18 $94 $1,128 $94
F-150 FX4 4WD $244 $460 $312 $18 $94 $1,128 $94
F-150 Lariat Crew Cab 4WD $244 $460 $312 $18 $94 $1,128 $94
F-150 SVT Raptor Super Cab 4WD $244 $460 $312 $18 $94 $1,128 $94
F-150 Lariat Super Cab 4WD $244 $460 $312 $18 $94 $1,128 $94
F-150 Lariat Crew Cab Platinum 2WD $244 $542 $312 $18 $94 $1,210 $101
F-150 Lariat Crew Cab Harley 2WD $244 $542 $312 $18 $94 $1,210 $101
F-150 Lariat King Ranch 2WD $244 $542 $312 $18 $94 $1,210 $101
F-150 Lariat King Ranch 4WD $272 $542 $312 $18 $94 $1,238 $103
F-150 Lariat Crew Cab Harley 4WD $272 $542 $312 $18 $94 $1,238 $103
F-150 Lariat Crew Cab Platinum 4WD $272 $542 $312 $18 $94 $1,238 $103
Get Your Own Custom Quote Go

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price information does not factor in specific Virginia Beach garaging location which can change insurance rates greatly.

Safe drivers pay cheaper rates

The illustration below demonstrates how traffic citations and accident claims can impact Ford F-150 insurance costs for each different age category. The prices are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

Full coverage versus liability only rates

The illustration below visualizes the comparison of Ford F-150 premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Virginia. The data is based on no accidents or driving violations, $500 deductibles, single status, and no policy discounts are applied.

Should you pay for full coverage?

There is no written rule to stop buying full coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Ford F-150 replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after you pay the deductible. If it’s costing in excess of $500 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are some circumstances where only buying liability is not financially feasible. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should maintain full coverage.

Smart Consumers Save Every Year

Many factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, although others are not as apparent such as your credit history or your financial responsibility.

The itemized list below are some of the most common factors used by insurance companies to determine your rate level.