Ford F-150 Insurance Quotes in Toledo

Sad but true, most consumers have purchased from the same company for a minimum of four years, and approximately 38% of consumers have never compared rates to find cheaper insurance. Many consumers in Ohio could pocket nearly 55% a year just by shopping around, but they feel it’s too difficult to find cheaper rates by getting comparison quotes.

Insurance for Ford F-150It takes a little time, but the best way to find cheaper Ford F-150 insurance in Toledo is to start doing an annual price comparison from insurers in Ohio. You can compare prices by completing these steps.

A valuable tip to remember is to try to use similar deductibles and liability limits on every quote and and to look at as many companies as possible. This helps ensure a fair price comparison and the best rate selection.

There are several ways of comparing rate quotes from many auto insurance companies in Ohio. The easiest way to find competitive Ford F-150 insurance rates consists of obtaining rate quotes online.

When price shopping your coverage, getting more free quotes helps improve the odds of finding the best offered rates.

The providers in the list below can provide free rate quotes in Ohio. To find cheap auto insurance in Toledo, we recommend you visit several of them to find the cheapest car insurance rates.

Statistics and details

The rate table shown next showcases estimates of insurance premium costs for Ford F-150 models. Having a good understanding how insurance prices are calculated is important for drivers to make decisions when choosing a new policy provider.

Ford F-150 Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $72 $100 $214 $12 $64 $462 $39
F-150 STX Regular Cab 2WD $72 $126 $214 $12 $64 $488 $41
F-150 XL Super Cab 2WD $72 $126 $214 $12 $64 $488 $41
F-150 XLT Regular Cab 2WD $72 $126 $214 $12 $64 $488 $41
F-150 STX Super Cab 2WD $72 $126 $214 $12 $64 $488 $41
F-150 XL Crew Cab 2WD $84 $126 $214 $12 $64 $500 $42
F-150 XLT Super Cab 2WD $84 $126 $214 $12 $64 $500 $42
F-150 STX Regular Cab 4WD $84 $126 $214 $12 $64 $500 $42
F-150 XL Regular Cab 4WD $84 $126 $214 $12 $64 $500 $42
F-150 FX2 Super Cab 2WD $84 $126 $214 $12 $64 $500 $42
F-150 XLT Crew Cab 2WD $84 $126 $214 $12 $64 $500 $42
F-150 XL Super Cab 4WD $84 $126 $214 $12 $64 $500 $42
F-150 XLT Regular Cab 4WD $84 $126 $214 $12 $64 $500 $42
F-150 XL Crew Cab 4WD $94 $126 $214 $12 $64 $510 $43
F-150 STX Super Cab 4WD $94 $126 $214 $12 $64 $510 $43
F-150 XLT Super Cab 4WD $94 $126 $214 $12 $64 $510 $43
F-150 FX2 2WD $94 $154 $214 $12 $64 $538 $45
F-150 Lariat Super Cab 2WD $94 $154 $214 $12 $64 $538 $45
F-150 Lariat Crew Cab 2WD $94 $154 $214 $12 $64 $538 $45
F-150 FX4 Super Cab 4WD $94 $154 $214 $12 $64 $538 $45
F-150 XLT Crew Cab 4WD $94 $154 $214 $12 $64 $538 $45
F-150 FX4 4WD $94 $154 $214 $12 $64 $538 $45
F-150 Lariat Crew Cab 4WD $94 $154 $214 $12 $64 $538 $45
F-150 SVT Raptor Super Cab 4WD $94 $154 $214 $12 $64 $538 $45
F-150 Lariat Super Cab 4WD $94 $154 $214 $12 $64 $538 $45
F-150 Lariat Crew Cab Platinum 2WD $94 $182 $214 $12 $64 $566 $47
F-150 Lariat Crew Cab Harley 2WD $94 $182 $214 $12 $64 $566 $47
F-150 Lariat King Ranch 2WD $94 $182 $214 $12 $64 $566 $47
F-150 Lariat King Ranch 4WD $104 $182 $214 $12 $64 $576 $48
F-150 Lariat Crew Cab Harley 4WD $104 $182 $214 $12 $64 $576 $48
F-150 Lariat Crew Cab Platinum 4WD $104 $182 $214 $12 $64 $576 $48
Get Your Own Custom Quote Go

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Premium costs do not factor in Toledo location which can change price quotes greatly.

The illustration below shows how choosing a deductible and can raise or lower Ford F-150 insurance costs for different insured age categories. The premiums assume a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

Impact of citations and accidents on insurance rates

The illustration below highlights how traffic violations and accident claims can increase Ford F-150 yearly insurance costs for different age groups of insureds. The information is based on a married male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

Men versus women drivers and insurance cost

The illustration below illustrates the difference between Ford F-150 premium costs for male and female drivers. The costs are based on no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, single marital status, and no discounts are factored in.

Toledo insurance discounts for a Ford F-150

The price of auto insurance can be rather high, but companies offer discounts that you may not know about. A few discounts will be applied at the time you complete a quote, but some discounts are required to be requested specifically prior to receiving the credit.Cheaper insurance with discounts

As a sidenote, some credits don’t apply to the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

The diagram below shows the comparison of Ford F-150 insurance costs with and without some available policy discounts. The data is based on a female driver, no claims or violations, Ohio state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, marriage, claim-free, and multi-car discounts applied.

A few of the larger companies and some of the premium reductions they offer are shown below.

When comparing rates, check with all companies you are considering which discounts can lower your rates. Discounts may not apply to policyholders in your area. If you would like to see a list of insurers that offer multiple discounts in Ohio, follow this link.

Auto insurance is not optional in Ohio

Despite the high insurance cost for a Ford F-150 in Toledo, maintaining insurance may be required and benefits you in several ways.

The benefits of insuring your F-150 are definitely more than the cost, particularly if you ever have a claim. Today the average American driver overpays as much as $825 a year so we recommend shopping around at every renewal to make sure the price is not too high.

Tailor your insurance coverage to you

Keep in mind that when it comes to choosing coverage for your vehicles, there really is no one-size-fits-all type of policy. Everyone’s situation is unique.Insurance savings

For instance, these questions might point out if you would benefit from professional advice.

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Get rate quotes but buy from a neighborhood Toledo auto insurance agent

Many drivers would prefer to talk to an insurance agent and that is recommended in a lot of cases One of the benefits of comparing car insurance online is the fact that drivers can get the lowest rates but also keep your business local. Buying from and supporting neighborhood agents is especially important in Toledo.

By using this quick form, the quote information is emailed to companies in Toledo that can give you free Toledo car insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to do any legwork because prices are sent to you instantly. You can find the lowest rates without a big time investment. If you want to get a price quote from a specific insurance company, feel free to find their quoting web page to submit a rate quote request.

How to choose the best auto insurance agent in Toledo

If you prefer to buy car insurance from a local agent, it’s important to understand the different agency structures and how they operate. Agents are categorized either independent (non-exclusive) or exclusive.

Independent Car Insurance Agencies

Agents that elect to be independent are not locked into one company so they can write business with lots of companies and help determine which has the cheapest rates. If they quote lower rates, they simply move your policy to a different company which is easy for the insured. When comparing car insurance rates, you need to get insurance quotes from at a minimum one independent agency in order to compare the most rates. A lot of them also have access to additional companies that you may not be familiar with which can be an advantage.

The following is a short list of independent insurance agencies in Toledo that can possibly get you free price quotes.

More Toledo agents

Exclusive Car Insurance Agencies

Agents of this type generally can only insure with one company and examples are Farmers Insurance and State Farm. These agents are not able to shop your coverage around so if the price isn’t competitive there isn’t much they can do. They receive extensive training in insurance sales which helps them sell on service rather than price. Some insured continue to use the same exclusive agent mainly due to the brand and solid financial strength.

The following are exclusive agents in Toledo who can help you get price quote information.

More Toledo agents

Picking the best car insurance agent requires more thought than just a cheap price. Here are some questions to ask: