How many times have you told yourself it's time to shop around for more affordable insurance rates in Chattanooga, TN? Chattanooga drivers have options when trying to find affordable Ford F-150 insurance. They can either waste time driving around getting price quotes or leverage the internet to get rate quotes.
There is a better way to shop for insurance and you need to know the absolute fastest way to price shop coverage for a Ford and get the best price possible from Chattanooga insurance agents and online providers.
Buy Chattanooga Ford F-150 insurance online
The companies shown below have been selected to offer price comparisons in Chattanooga, TN. If multiple companies are listed, it's a good idea that 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||$180||$196||$378||$22||$114||$890||$74|
|F-150 STX Regular Cab 2WD||$150||$256||$272||$16||$82||$776||$65|
|F-150 XL Super Cab 2WD||$240||$454||$390||$24||$116||$1,224||$102|
|F-150 XLT Regular Cab 2WD||$212||$424||$350||$20||$104||$1,110||$93|
|F-150 STX Super Cab 2WD||$104||$190||$304||$18||$90||$706||$59|
|F-150 XL Crew Cab 2WD||$218||$356||$350||$20||$104||$1,048||$87|
|F-150 XLT Super Cab 2WD||$192||$318||$326||$20||$98||$954||$80|
|F-150 STX Regular Cab 4WD||$172||$256||$272||$16||$82||$798||$67|
|F-150 XL Regular Cab 4WD||$276||$454||$390||$24||$116||$1,260||$105|
|F-150 FX2 Super Cab 2WD||$276||$454||$390||$24||$116||$1,260||$105|
|F-150 XLT Crew Cab 2WD||$174||$262||$278||$16||$82||$812||$68|
|F-150 XL Super Cab 4WD||$244||$424||$350||$20||$104||$1,142||$95|
|F-150 XLT Regular Cab 4WD||$106||$162||$272||$16||$82||$638||$53|
|F-150 XL Crew Cab 4WD||$244||$302||$294||$18||$88||$946||$79|
|F-150 STX Super Cab 4WD||$216||$318||$326||$20||$98||$978||$82|
|F-150 XLT Super Cab 4WD||$216||$318||$326||$20||$98||$978||$82|
|F-150 FX2 2WD||$196||$320||$278||$16||$82||$892||$74|
|F-150 Lariat Super Cab 2WD||$176||$312||$326||$20||$98||$932||$78|
|F-150 Lariat Crew Cab 2WD||$176||$298||$304||$18||$90||$886||$74|
|F-150 FX4 Super Cab 4WD||$242||$440||$326||$20||$98||$1,126||$94|
|F-150 XLT Crew Cab 4WD||$196||$320||$278||$16||$82||$892||$74|
|F-150 FX4 4WD||$150||$232||$294||$18||$88||$782||$65|
|F-150 Lariat Crew Cab 4WD||$176||$298||$304||$18||$90||$886||$74|
|F-150 SVT Raptor Super Cab 4WD||$312||$552||$390||$24||$116||$1,394||$116|
|F-150 Lariat Super Cab 4WD||$216||$368||$304||$18||$90||$996||$83|
|F-150 Lariat Crew Cab Platinum 2WD||$204||$358||$288||$18||$86||$954||$80|
|F-150 Lariat Crew Cab Harley 2WD||$216||$438||$272||$16||$82||$1,024||$85|
|F-150 Lariat King Ranch 2WD||$216||$456||$326||$20||$98||$1,116||$93|
|F-150 Lariat King Ranch 4WD||$208||$328||$298||$18||$90||$942||$79|
|F-150 Lariat Crew Cab Harley 4WD||$274||$510||$350||$20||$104||$1,258||$105|
|F-150 Lariat Crew Cab Platinum 4WD||$242||$456||$326||$20||$98||$1,142||$95|
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Information does not factor in specific Chattanooga garaging location which can raise or lower price quotes noticeably.
Does full coverage make sense?
The information below shows the comparison of Ford F-150 insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no claims, a clean driving record, $250 deductibles, single male driver, and no discounts are applied.
When to drop comp and collision
There isn't a written rule of when to stop paying for physical damage coverage, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you might consider buying liability only.
For example, let's pretend your Ford F-150 claim settlement 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 you pay the deductible. If you are paying in excess of $400 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some conditions where only buying liability is not a good plan. If you haven't satisfied your loan, you have to keep full coverage to protect the lienholder's interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.
The diagram below demonstrates how deductible levels and can affect Ford F-150 insurance rates for different age groups. The rates are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
Insuring your Ford vehicle just makes sense
Even though Chattanooga F-150 insurance rates can get expensive, maintaining insurance is required by state law in Tennessee and it also provides benefits you may not be aware of.
First, almost all states have minimum liability requirements which means the state requires specific limits of liability insurance if you want to drive legally. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if your Ford F-150 has a lienholder, more than likely the lender will require you to have physical damage coverage to ensure loan repayment if the vehicle is totalled. If the policy lapses, the lender may have to buy a policy to insure your Ford at an extremely high rate and require you to reimburse them the higher price.
Third, insurance preserves both your Ford and your assets. It will also reimburse you for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If you have damage to your Ford as the result of the weather or an accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of buying insurance more than offset the price you pay, specifically if you ever have a liability claim. The average driver in Tennessee is overpaying more than $800 each year so compare rates each time the policy renews to ensure rates are inline.
Get lower-cost Ford F-150 insurance in Chattanooga with discounts
The price of auto insurance can be rather high, but discounts can save money and there are some available to cut the cost considerably. Some discounts will apply at the time you complete a quote, but some discounts are required to be specifically requested before being credited.
- Homeowners Savings - Being a homeowner may trigger a policy discount on car insurance because it demonstrates responsibility.
- Safety Course Discount - Participating in a course that instructs on driving safety could cut 5% off your bill depending on where you live.
- Buy New and Save - Buying a new car instead of a used F-150 can save up to 30% due to better safety requirements for new model year vehicles.
- Multiple Cars - Buying a policy with several vehicles with the same company can get a discount on all vehicles.
- Military Deployment Discount - Having a family member in the military could mean lower rates.
- Cautious Driver Discount - Drivers who don't get into accidents may receive a discount up to 45% than drivers with accidents.
- Driver's Education for Students - Cut your cost by having your teen driver successfully take a driver's education course in school.
- Full Payment Discount - By making one initial payment rather than paying in monthly installments you may have a lower total premium amount.
It's important to note that most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, that's just not realistic.
Popular car insurance companies and some of the discounts are detailed below.
- Farmers Insurance offers discounts for business and professional, bundle discounts, teen driver, switch companies, alternative fuel, and mature driver.
- State Farm includes discounts for student away at school, multiple autos, passive restraint, defensive driving training, and multiple policy.
- Liberty Mutual may offer discounts for newly retired, new move discount, teen driver discount, good student, and new graduate.
- MetLife has savings for defensive driver, claim-free, good student, accident-free, good driver, and multi-policy.
- Progressive may include discounts for good student, multi-vehicle, multi-policy, homeowner, online quote discount, continuous coverage, and online signing.
When getting a coverage quote, ask each company or agent what discounts are available to you. Savings might not be offered in your state.
Are insurance agencies of importance?
Certain consumers still prefer to buy from a licensed agent and doing so can bring peace of mind Professional insurance agents can answer important questions and help submit paperwork. One of the best bonuses of comparing rates online is the fact that drivers can get the lowest rates and also buy local. Buying from local agencies is still important in Chattanooga.
After completing this form (opens in new window), your insurance data gets sent to insurance agents in Chattanooga who will give competitive quotes for your insurance coverage. You never need to contact an agency as quotes are delivered immediately to you. If you need to compare prices from a particular provider, you would need to visit that company's website to submit a rate quote request.
If you want to buy car insurance from local Chattanooga agents, it's helpful to know the types of agencies and how they can quote your rates. Insurance agencies in Chattanooga are categorized either independent or exclusive. Both types can provide car insurance policies, but it's worth learning how they are different because it can impact buying decisions.
Independent Car Insurance Agencies
These type of agents do not write with just one company so they can quote policies amongst many companies and potentially find a lower price. If they find a lower price, the business is moved internally and that require little work on your part.
When searching for an agent, we highly recommend that you include several independent agencies in order to have the best price comparison. Most have the option of insuring with lesser-known insurance companies that may provide cheaper car insurance rates.
Listed below is a partial list of independent insurance agents in Chattanooga that may be able to provide free price quotes.
- RSS Insurance
6236 Airpark Dr - Chattanooga, TN 37421 - (423) 954-9100 - View Map
- Nationwide Insurance: Janie T Shetter Agency
3871 Hixson Pike Ste B - Chattanooga, TN 37415 - (423) 877-8267 - View Map
- Nationwide Insurance: Donny R Garner
4878 South Terrace - Chattanooga, TN 37412 - (423) 899-5512 - View Map
Exclusive Insurance Agents
Agents that choose to be exclusive can only write with one company like American Family, State Farm, and AAA. Exclusive agents are unable to provide prices from multiple companies so you might not find the best rates. Exclusive agents are highly trained on the products they sell and that can be a competitive advantage. Many people buy from exclusive agents partially due to high brand loyalty rather than having low rates.
Listed below is a list of exclusive insurance agencies in Chattanooga that are able to give price quotes.
- Hank DeHart - State Farm Insurance Agent
821 E Main St - Chattanooga, TN 37408 - (423) 777-5300 - View Map
- Jon Lakamp - State Farm Insurance Agent
7955 E Brainerd Rd - Chattanooga, TN 37421 - (423) 894-5568 - View Map
- Farmers Insurance - Brian Gass
6441 Bonny Oaks Dr b - Chattanooga, TN 37416 - (423) 760-8587 - View Map
Selecting a insurance agent needs to be determined by more than just a cheap price quote. These are some valid questions you should ask.
- What kind of financial rating does the company have?
- Is there a 24/7 contact number?
- Do they reduce claim amounts on high mileage vehicles?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- When do they do a full risk review?
- Does their agency support local causes in Chattanooga?
- Are there any discounts that you might be missing?
Auto insurance policy specifics
Understanding the coverages of your auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance kick in for immediate expenses like doctor visits, hospital visits, funeral costs and EMT expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible
Liability auto insurance
This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/15 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $15,000. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage pays for things such as medical services, medical expenses and repair bills for other people's vehicles. How much liability coverage do you need? That is your choice, but it's cheap coverage so purchase as high a limit as you can afford. Tennessee state minimum liability requirements are 25/50/15 but you should consider buying more coverage.
Uninsured/Underinsured Motorist coverage
This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Ford F-150.
Because many people only carry the minimum required liability limits (which is 25/50/15), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy's liability coverage.
This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers things like hitting a parking meter, scraping a guard rail, driving through your garage door, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible on your F-150 to save money on collision insurance.
This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like hail damage, fire damage, a tree branch falling on your vehicle and hitting a bird. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.
The most affordable rates come from being thorough
We just covered a lot of information how to lower your Ford F-150 insurance car insurance rates in Chattanooga. It's most important to understand that the more times you quote, the higher your chance of finding cheaper Chattanooga car insurance quotes. You may even be surprised to find that the most savings is with a lesser-known regional company.
As you quote Chattanooga car insurance, it's a bad idea to buy poor coverage just to save money. In too many instances, an insured cut comprehensive coverage or liability limits only to regret that the savings was not a smart move. Your objective should be to purchase a proper amount of coverage at the best cost, but do not skimp to save money.
Discount Ford F-150 insurance in Chattanooga is definitely available on the web and from local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies don't offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agencies.
For more information, take a look at the following helpful articles:
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Who Has Cheap Tennessee Car Insurance for Drivers with a Bad Driving Record? (FAQ)
- Who Has the Cheapest Tennessee Auto Insurance for a Chevrolet Malibu? (FAQ)
- Who Has Affordable Tennessee Auto Insurance Quotes for Infrequent Drivers? (FAQ)
- What is the Cheapest Car Insurance in Jackson, Tennessee? (FAQ)
- Auto Insurance Basics (Insurance Information Institute)
- Rental Reimbursement Coverage (Allstate)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Smart Auto Insurance Tips (Insurance Information Institute)