Insurance for Ford F-150How many times have you said it's time to compare more affordable Ford F-150 insurance in Providence? No one fancies paying their premiums for auto insurance, especially knowing they could find lower prices if they just compared rates.

Unfortunately, over 70% of consumers have been with the same company for more than four years, and approximately 38% of consumers have never compared rates with other companies. Many consumers in Providence can save $207 each year just by shopping around, but they underestimate the amount of savings they would get if they moved their coverage to a different company. There are many auto insurance companies to insure vehicles with, and though it is a good thing to have a choice, it can be more difficult to find the best rates for Ford F-150 insurance in Providence.

How to shop Ford F-150 insurance online

The companies shown below have been selected to offer price quotes in Rhode Island. If multiple companies are listed, it's highly recommended you click on several of them to get the best price comparison.

Ford F-150 Insurance Cost Estimates in Providence, RI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $246 $338 $548 $32 $164 $1,328 $111
F-150 STX Regular Cab 2WD $188 $336 $548 $32 $164 $1,268 $106
F-150 XL Super Cab 2WD $146 $282 $458 $28 $138 $1,052 $88
F-150 XLT Regular Cab 2WD $276 $476 $418 $24 $126 $1,320 $110
F-150 STX Super Cab 2WD $304 $518 $406 $24 $122 $1,374 $115
F-150 XL Crew Cab 2WD $270 $426 $426 $26 $128 $1,276 $106
F-150 XLT Super Cab 2WD $250 $402 $490 $30 $146 $1,318 $110
F-150 STX Regular Cab 4WD $242 $360 $382 $22 $114 $1,120 $93
F-150 XL Regular Cab 4WD $314 $434 $406 $24 $122 $1,300 $108
F-150 FX2 Super Cab 2WD $176 $252 $418 $24 $126 $996 $83
F-150 XLT Crew Cab 2WD $304 $426 $414 $24 $124 $1,292 $108
F-150 XL Super Cab 4WD $282 $430 $548 $32 $164 $1,456 $121
F-150 XLT Regular Cab 4WD $152 $232 $390 $24 $116 $914 $76
F-150 XL Crew Cab 4WD $346 $500 $490 $30 $146 $1,512 $126
F-150 STX Super Cab 4WD $394 $518 $406 $24 $122 $1,464 $122
F-150 XLT Super Cab 4WD $282 $402 $490 $30 $146 $1,350 $113
F-150 FX2 2WD $438 $776 $548 $32 $164 $1,958 $163
F-150 Lariat Super Cab 2WD $382 $618 $414 $24 $124 $1,562 $130
F-150 Lariat Crew Cab 2WD $170 $282 $390 $24 $116 $982 $82
F-150 FX4 Super Cab 4WD $214 $382 $490 $30 $146 $1,262 $105
F-150 XLT Crew Cab 4WD $248 $418 $458 $28 $138 $1,290 $108
F-150 FX4 4WD $338 $618 $458 $28 $138 $1,580 $132
F-150 Lariat Crew Cab 4WD $320 $524 $548 $32 $164 $1,588 $132
F-150 SVT Raptor Super Cab 4WD $282 $490 $490 $30 $146 $1,438 $120
F-150 Lariat Super Cab 4WD $198 $306 $418 $24 $126 $1,072 $89
F-150 Lariat Crew Cab Platinum 2WD $282 $578 $490 $30 $146 $1,526 $127
F-150 Lariat Crew Cab Harley 2WD $280 $492 $414 $24 $124 $1,334 $111
F-150 Lariat King Ranch 2WD $212 $384 $414 $24 $124 $1,158 $97
F-150 Lariat King Ranch 4WD $210 $384 $426 $26 $128 $1,174 $98
F-150 Lariat Crew Cab Harley 4WD $382 $610 $414 $24 $124 $1,554 $130
F-150 Lariat Crew Cab Platinum 4WD $314 $578 $490 $30 $146 $1,558 $130
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in specific zip code location which can modify auto insurance rates considerably.

Ford F-150 insurance costs by age and gender

The illustration below shows the comparison of Ford F-150 auto insurance rates for male and female drivers. The data assumes no claims or violations, comprehensive and collision coverage, $250 deductibles, marital status is single, and no policy discounts are applied.

Impact of citations and accidents on insurance rates

The chart below demonstrates how traffic citations and accident claims can impact Ford F-150 insurance premiums for different age groups of insureds. Data assumes a married female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

It may be expensive, but it's not optional

Despite the potentially high cost of Ford F-150 insurance, insurance is required in Rhode Island but also provides important benefits.

The benefits of carrying enough insurance definitely exceed the cost, especially when you need to use it. The average driver in Rhode Island is overpaying over $750 every year so compare quotes from several companies once a year at a minimum to help ensure money is not being wasted.

Do drivers who switch really save?

Rhode Island drivers can't avoid all the ads for cheaper auto insurance by Allstate, GEICO and Progressive. All the companies tend to make the same promise about savings if you change your policy.

How does every company cost less than your current company? It's all in the numbers.

Auto insurance companies have specific characteristics for the driver that makes them money. For instance, a desirable risk may need to be over age 30, has no claims, and has a short commute. Any driver who matches those parameters receives the best premium rates in Providence and will also save money with a new company.

Consumers who cannot meet the "perfect" profile will get a more expensive rate which usually ends up with business not being written. The trick companies use is to say "people who switch" not "everyone that quotes" can save as much as they claim. That's the way companies can make the claims of big savings. This really illustrates why you should compare rate quotes every year. It is just not possible to predict the company that will be your best fit.

Auto insurance policy discounts you can't miss

Not too many consumers would say auto insurance is affordable, but there are discounts available that you may not know about. Some trigger automatically when you quote, but some may not be applied and must be requested specifically before you will receive the discount.Auto insurance discounts

You should keep in mind that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as comprehensive or collision. Even though the math looks like adding up those discounts means a free policy, company stockholders wouldn't be very happy. Any qualifying discounts will reduce your overall bill.

Larger auto insurance companies and a selection of discounts can be found below.

Before you buy a policy, ask every prospective company which credits you are entitled to. Some discounts listed above may not be available in every state. To see a list of providers that have a full spectrum of discounts in Rhode Island, click this link.

Exclusive versus independent auto insurance agents

A small number of people prefer to talk to an insurance agent and that can be a great decision Experienced insurance agents will help you protect your assets and help submit paperwork. An additional benefit of price shopping on the web is that you can find the lowest rates and still choose a local agent.

For easy comparison, once you complete this form (opens in new window), your insurance data is emailed to local insurance agents in Providence that give free quotes for your insurance coverage. There is no reason to contact an agency since rate quotes are delivered immediately to your email address. If you wish to get a rate quote from a specific insurance company, don't hesitate to navigate to their website and complete a quote there.

Finding the right insurance company needs to be determined by more than just a low price. Any agent in Providence should be forthright in answering these questions:

Listed below are agents in Providence who can help you get price quotes for Ford F-150 insurance in Providence.

Maggiacomo Insurance
260 W Exchange St #002 - Providence, RI 02903 - (401) 353-0300 - View Map

Jfb Insurance
215 Waterman Ave - East Providence, RI 02914 - (401) 438-9569 - View Map

1987 Mineral Spring Ave - North Providence, RI 02904 - (401) 349-2900 - View Map

245 Waterman St # 501 - Providence, RI 02906 - (401) 351-0066 - View Map

View more agents

Cheap insurance premiums are out there

When buying insurance coverage, you should never buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced collision coverage and discovered at claim time that it was a big mistake. Your focus should be to buy the best coverage you can find at the best cost, but don't skip important coverages to save money.

We just covered many ideas to reduce Ford F-150 insurance prices online in Providence. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may even find the best price on insurance is with some of the smallest insurance companies. They can often provide lower rates in certain areas as compared to the big name companies such as GEICO and State Farm.

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