Did you fall for a flashy sales pitch and buy high-priced Ford F-150 insurance in Memphis? Say no more because many Memphis drivers feel the same as you.

Discount Ford F-150 insuranceInconceivable but true, most car insurance customers have purchased from the same company for over three years, and nearly the majority have never quoted rates to find affordable coverage. Most drivers in Memphis could cut their rates by 35% a year, but they just don't understand the large savings they would see if they moved their coverage to a different company. Vehicle owners have multiple car insurance companies to insure vehicles with, and although it's nice to have multiple companies, so many choices can make it hard to find the best rates for Ford F-150 insurance in Memphis.

It's important to get comparison quotes yearly because prices are usually higher with each renewal. Even if you think you had the best rates on Ford F-150 insurance in Memphis last year you can probably find a better premium rate now. There are lots of tips to save on F-150 insurance online but in a few minutes you can learn some great ways to buy car insurance cheaper in Memphis.

Learn How to Buy Insurance for Less

Smart consumers have a good feel for some of the things that help determine the rates you pay for insurance. When you understand what controls the rates you pay, this enables informed choices that could help you find lower rates.

The factors shown below are some of the major factors insurance companies consider when setting rates.

How to compare free Memphis Ford F-150 insurance rate quotes

Most larger insurance companies provide coverage price quotes directly from their websites. The process doesn't take much effort as you simply enter your coverage information as detailed in the form. After you submit the form their quoting system makes automated requests for your driving and credit reports and returns a price based on these factors. The ability to get online quotes for Ford F-150 insurance in Memphis makes it a lot easier to compare rates and it's necessary to do this if you are searching for the best auto insurance rates.

To find out if lower rates are available, take a look at the companies shown below. If you currently have coverage, we recommend you type in the coverage information as close as possible to your current policy. Using the same limits helps guarantee you are getting a price comparison for exact coverage.

The companies shown below are our best choices to provide price quotes in Memphis, TN. If multiple providers are shown, we suggest you get rates from several of them to get a more complete price comparison.

Ford F-150 Insurance Cost Estimates in Memphis, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $168 $250 $326 $20 $98 $862 $72
F-150 STX Regular Cab 2WD $152 $282 $376 $22 $112 $944 $79
F-150 XL Super Cab 2WD $186 $362 $304 $18 $90 $960 $80
F-150 XLT Regular Cab 2WD $104 $190 $326 $20 $98 $738 $62
F-150 STX Super Cab 2WD $110 $178 $298 $18 $90 $694 $58
F-150 XL Crew Cab 2WD $126 $178 $298 $18 $90 $710 $59
F-150 XLT Super Cab 2WD $156 $256 $326 $20 $98 $856 $71
F-150 STX Regular Cab 4WD $226 $340 $298 $18 $90 $972 $81
F-150 XL Regular Cab 4WD $106 $162 $272 $16 $82 $638 $53
F-150 FX2 Super Cab 2WD $226 $340 $298 $18 $90 $972 $81
F-150 XLT Crew Cab 2WD $158 $194 $378 $22 $114 $866 $72
F-150 XL Super Cab 4WD $136 $224 $350 $20 $104 $834 $70
F-150 XLT Regular Cab 4WD $192 $302 $304 $18 $90 $906 $76
F-150 XL Crew Cab 4WD $160 $212 $278 $16 $82 $748 $62
F-150 STX Super Cab 4WD $280 $368 $288 $18 $86 $1,040 $87
F-150 XLT Super Cab 4WD $176 $256 $326 $20 $98 $876 $73
F-150 FX2 2WD $158 $252 $272 $16 $82 $780 $65
F-150 Lariat Super Cab 2WD $134 $232 $304 $18 $90 $778 $65
F-150 Lariat Crew Cab 2WD $186 $278 $298 $18 $90 $870 $73
F-150 FX4 Super Cab 4WD $150 $268 $376 $22 $112 $928 $77
F-150 XLT Crew Cab 4WD $244 $368 $294 $18 $88 $1,012 $84
F-150 FX4 4WD $152 $272 $350 $20 $104 $898 $75
F-150 Lariat Crew Cab 4WD $176 $298 $326 $20 $98 $918 $77
F-150 SVT Raptor Super Cab 4WD $196 $342 $376 $22 $112 $1,048 $87
F-150 Lariat Super Cab 4WD $160 $258 $278 $16 $82 $794 $66
F-150 Lariat Crew Cab Platinum 2WD $196 $404 $376 $22 $112 $1,110 $93
F-150 Lariat Crew Cab Harley 2WD $242 $518 $326 $20 $98 $1,204 $100
F-150 Lariat King Ranch 2WD $194 $368 $272 $16 $82 $932 $78
F-150 Lariat King Ranch 4WD $136 $236 $278 $16 $82 $748 $62
F-150 Lariat Crew Cab Harley 4WD $168 $274 $294 $18 $88 $842 $70
F-150 Lariat Crew Cab Platinum 4WD $304 $518 $294 $18 $88 $1,222 $102
Get Your Own Custom Quote Go

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in specific garaging location which can change price quotes noticeably.

Physical damage deductible comparison

The illustration below demonstrates how deductibles and can affect Ford F-150 yearly insurance costs for each age group. The premiums are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

Cautious Memphis drivers save money

The chart below illustrates how violations and accident claims drive up Ford F-150 annual premium costs for each different age group. The premium estimates are based on a married female driver, full coverage, $100 deductibles, and no other discounts are factored in.

Is there truth in advertising?

Tennessee consumers can't get away from all the ads for auto insurance savings from companies such as State Farm and Allstate. All the ads make the point about how much you will save after switching your policy.

How is it possible that every company can cost less than your current company? Here is how they do it.

Most companies have specific guidelines for the type of driver that will add to their bottom line. For example, a profitable risk profile could be a married female, has a low-risk occupation, and drives less than 10,000 miles a year. Anybody that matches those criteria will qualify for the lowest car insurance rates in Memphis and is almost guaranteed to save some money.

Consumers who are not a match for these criteria will probably be forced to pay higher rates which translates to the customer buying from someone else. The ads say "customers who switch" but not "all drivers who get quotes" save that kind of money. This is how companies can make claims like that. Because of these techniques, it's extremely important to get price quotes at each policy renewal. It's impossible to know which company will have better premium rates than you're paying now.

Protect more than your Ford vehicle

Even though Memphis F-150 insurance rates can get expensive, car insurance is most likely required but also gives you several important benefits.

The benefits of buying car insurance are definitely more than the cost, especially if you ever need it. The average driver in Tennessee is overpaying more than $830 a year so compare rates each time the policy renews to ensure rates are inline.

Lower rate quotes by earning discounts

Car insurance is easily one of your largest bills, but you may find discounts to help bring down the price. Certain discounts will be applied when you purchase, but lesser-known reductions have to be specially asked for prior to getting the savings.Cheaper car insurance with discounts

Please keep in mind that many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates you can get free auto insurance, insurance companies wouldn't stay in business.

A list of car insurance companies and their possible discounts are outlined below.

If you are trying to find low cost Memphis auto insurance quotes, ask each company the best way to save money. Savings might not be available to policyholders in your area. To see car insurance companies who offer free Ford F-150 insurance quotes in Memphis, click this link.

Do I need an insurance agency?

A lot of people just prefer to talk to a local agent and that can be a great decision Most agents are very good at helping people manage risk and give you someone to call. A good thing about comparing auto insurance online is you can get cheap auto insurance rates and also buy local.

To make it easy to find an agent, after completing this form (opens in new window), your coverage information is transmitted to participating agents in Memphis that give free quotes for your business. It simplifies rate comparisons since you won't have to do any legwork because quoted prices will be sent to the email address you provide. In the event you want to get a rate quote from a particular provider, you just need to navigate to their website and give them your coverage information.

Finding the right insurer should depend on more than just the bottom line cost. The following questions are important to ask.

If you are searching for a good insurance agency, you should know the types of insurance agents and how they differ in how they quote coverages. Auto insurance agencies are either independent agents or exclusive agents depending on their employer. Both types can sell affordable auto insurance policies, but it's worth mentioning the subtle differences since it could factor into which agent you choose.

Exclusive Agencies

Exclusive agencies are contracted to one company like Farmers Insurance, Allstate, or State Farm. These agents are not able to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agencies are usually quite knowledgeable on sales techniques which aids in selling service over price.

Below are exclusive insurance agencies in Memphis willing to provide price quote information.

1440 E Shelby Dr Ste 2 - Memphis, TN 38116 - (901) 767-0030 - View Map

2900 Kirby Pkwy Ste 2 - Memphis, TN 38119 - (901) 794-8848 - View Map

420 S Germantown Pkwy #109 - Cordova, TN 38018 - (901) 761-5240 - View Map

More insurance agents

Independent Insurance Agents

Agents of this type do not have single company limitations and that enables them to quote your coverage through lots of different companies and potentially find a lower price. If premiums increase, your agent can just switch to a different company which requires no work on your part.

If you are comparing rate quotes, you should always get quotes from a couple of independent agencies to get the best comparison.

The following is a list of independent agencies in Memphis that are able to give rate quotes.

5900 Poplar Ave - Memphis, TN 38119 - (901) 766-0200 - View Map

5495 Winchester Rd Suite 3 - Memphis, TN 38115 - (901) 362-6052 - View Map

1503 Union Ave Ste 220 - Memphis, TN 38104 - (901) 276-8571 - View Map

More insurance agents

If you get acceptable answers to all your questions and an acceptable price quote, you may have found an insurance agency that is a good match to insure your vehicles.

How to know if you need help

When quoting and comparing coverage online or from an agent, there really isn't a "best" method to buy coverage. Your needs are unique to you and your insurance should unique, too.Safe vehicles cost less to insure These are some specific questions may help highlight if you may require specific advice.

If you're not sure about those questions, you might consider talking to an insurance agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies. It's fast, free and can help protect your family.

One last note

In this article, we presented many ideas to save on Ford F-150 insurance in Memphis. It's most important to understand that the more you quote Memphis auto insurance, the better your comparison will be. Drivers may even discover the lowest premium rates are with the smaller companies. Some small companies often have lower prices on specific markets compared to the large companies like State Farm and Allstate.

Cheaper Ford F-150 insurance in Memphis is attainable online and with local Memphis insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers don't offer online quoting and many times these small, regional companies sell through local independent agencies.

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