Shopping for affordable Ford F-150 insurance rates in Columbia can be challenging if you have never taken advantage of online price comparisons. But don't be discouraged because finding affordable coverage for Ford F-150 insurance in Columbia is easier than you think.
Shockingly, nearly 70% of consumers have bought insurance from the same company for a minimum of four years, and practically 40% of insurance customers have never compared rates from other carriers. With the average premium in the United States being $1,847, drivers could save themselves nearly 47% a year, but they assume it's a waste of time to find cheap rates by getting comparison quotes.
If you have a current car insurance policy, you stand a good chance to be able to reduce premiums using this strategy. Our objective in writing this article is to familiarize you with the best methods to compare rates and some tips to save money. Nevertheless, South Carolina vehicle owners do need to understand how companies determine what you pay and use it to your advantage.
Compare Ford F-150 insurance rates
Most major insurance companies such as State Farm and Allstate make it easy to get insurance quotes online. Doing online price comparisons for Ford F-150 insurance in Columbia is quite simple as you just type in your coverage information as requested by the quote form. Once entered, their quoting system makes automated requests for reports for credit and driving violations and returns a price.
The ability to get online quotes for Ford F-150 insurance in Columbia makes it easy to compare insurance prices and it is important to have as many quotes as possible in order to get a better rate.
To quickly find out how much you're overpaying now, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend you duplicate the coverages exactly as they are listed on your policy. Doing this guarantees you will get comparison quotes based on similar coverages.
The companies in the list below offer quotes in Columbia, SC. If multiple companies are shown, we recommend you visit two to three different companies to find the most competitive auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$122||$186||$386||$22||$116||$832||$69|
|F-150 STX Regular Cab 2WD||$200||$370||$328||$20||$98||$1,016||$85|
|F-150 XL Super Cab 2WD||$250||$502||$412||$24||$124||$1,312||$109|
|F-150 XLT Regular Cab 2WD||$122||$226||$386||$22||$116||$872||$73|
|F-150 STX Super Cab 2WD||$210||$336||$352||$20||$106||$1,024||$85|
|F-150 XL Crew Cab 2WD||$226||$358||$358||$22||$108||$1,072||$89|
|F-150 XLT Super Cab 2WD||$226||$358||$386||$22||$116||$1,108||$92|
|F-150 STX Regular Cab 4WD||$208||$288||$348||$20||$104||$968||$81|
|F-150 XL Regular Cab 4WD||$128||$196||$328||$20||$98||$770||$64|
|F-150 FX2 Super Cab 2WD||$334||$436||$448||$26||$134||$1,378||$115|
|F-150 XLT Crew Cab 2WD||$252||$428||$358||$22||$108||$1,168||$97|
|F-150 XL Super Cab 4WD||$210||$338||$412||$24||$124||$1,108||$92|
|F-150 XLT Regular Cab 4WD||$206||$310||$328||$20||$98||$962||$80|
|F-150 XL Crew Cab 4WD||$176||$260||$444||$26||$132||$1,038||$87|
|F-150 STX Super Cab 4WD||$210||$230||$448||$26||$134||$1,048||$87|
|F-150 XLT Super Cab 4WD||$288||$358||$348||$20||$104||$1,118||$93|
|F-150 FX2 2WD||$184||$280||$342||$20||$102||$928||$77|
|F-150 Lariat Super Cab 2WD||$232||$378||$328||$20||$98||$1,056||$88|
|F-150 Lariat Crew Cab 2WD||$256||$436||$386||$22||$116||$1,216||$101|
|F-150 FX4 Super Cab 4WD||$270||$408||$352||$20||$106||$1,156||$96|
|F-150 XLT Crew Cab 4WD||$208||$352||$358||$22||$108||$1,048||$87|
|F-150 FX4 4WD||$204||$344||$460||$28||$138||$1,174||$98|
|F-150 Lariat Crew Cab 4WD||$298||$444||$342||$20||$102||$1,206||$101|
|F-150 SVT Raptor Super Cab 4WD||$208||$370||$386||$22||$116||$1,102||$92|
|F-150 Lariat Super Cab 4WD||$324||$610||$412||$24||$124||$1,494||$125|
|F-150 Lariat Crew Cab Platinum 2WD||$208||$434||$386||$22||$116||$1,166||$97|
|F-150 Lariat Crew Cab Harley 2WD||$256||$540||$386||$22||$116||$1,320||$110|
|F-150 Lariat King Ranch 2WD||$286||$612||$358||$22||$108||$1,386||$116|
|F-150 Lariat King Ranch 4WD||$322||$514||$348||$20||$104||$1,308||$109|
|F-150 Lariat Crew Cab Harley 4WD||$284||$518||$320||$18||$96||$1,236||$103|
|F-150 Lariat Crew Cab Platinum 4WD||$288||$532||$328||$20||$98||$1,266||$106|
|Get Your Own Custom Quote Go|
Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can influence auto insurance rates considerably.
Safe drivers pay cheaper rates
The example below illustrates how traffic citations and fender-benders influence Ford F-150 yearly insurance costs for each different age group. Data assumes a single male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
Raise deductibles and save
The example below illustrates how your deductible choice and can increase or decrease Ford F-150 premium costs for different insured age categories. Data assumes a married male driver, comprehensive and collision coverage, and no discounts are applied.
Don't assume everyone needs the same auto insurance coverage
Always keep in mind that when comparing the best auto insurance coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions can aid in determining whether your personal situation could use an agent's help.
- I don't drive much so do I pay less?
- How do I insure my teen driver?
- Is there coverage for injuries to my pets?
- Am I covered if I hit my neighbor's mailbox?
- Is my ex-spouse still covered by my policy?
- Do I really need UM/UIM coverage?
- Is my nanny covered when driving my vehicle?
- Does my personal policy cover me when driving out-of-state?
- How does medical payments coverage work?
If you don't know the answers to these questions, you may need to chat with an insurance agent. If you don't have a local agent, take a second and complete this form or go to this page to view a list of companies.
Auto insurance quotes from local Columbia insurance agents
Many people just prefer to sit down with an agent and doing that can be a smart decision A good thing about comparing auto insurance online is you can get the best rates and still have a local agent. Buying from and supporting neighborhood agents is still important in Columbia.
After completing this quick form, your insurance data is instantly submitted to companies in Columbia who will return price quotes for your auto insurance coverage. There is no need to contact any agents due to the fact that quote results will go immediately to your email address. You can find better rates without having to waste a lot of time. If for some reason you want to get a price quote from a specific company, you can always go to their quote page and submit a quote form there.
Do you need an independent or exclusive car insurance agent?
If you are searching for a local Columbia insurance agent, it can be helpful to understand the types of agencies and how they work. Auto insurance agents are classified as either independent or exclusive depending on the company they work for.
Independent Insurance Agents
Independent insurance agents can quote rates with many companies so they can write business through many different auto insurance companies and get the cheapest rates. To move your coverage to a new company, the business is moved internally which makes it simple for you.
If you are trying to find cheaper rates, you should always get quotes from at least one independent agent for maximum quote selection. Most have the option of insuring with additional companies that you may not be familiar with that may provide cheaper auto insurance rates.
The following is a list of independent insurance agencies in Columbia that can possibly get you pricing information.
- Livingston Insurance Agency
100 9th St - West Columbia, SC 29169 - (803) 791-1120 - View Map
- Claxton Insurance Agency, LLC
9300 Two Notch Rd - Columbia, SC 29223 - (803) 400-1911 - View Map
- Turbeville Insurance Agency
2718 Middleburg Dr - Columbia, SC 29204 - (803) 779-7666 - View Map
Exclusive Auto Insurance Agencies
These type of agents are contracted to one company and some examples include Farmers Insurance and State Farm. Exclusive agents cannot provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agents receive a lot of sales training on the products they sell which helps overcome the inability to quote other rates. Some consumers prefer to purchase coverage from exclusives mainly due to the prominent brand name and strong financial ratings.
Below are Columbia exclusive insurance agencies that can give you price quote information.
- Shannon Rikard - State Farm Insurance Agent
384 St Andrews Rd - Columbia, SC 29210 - (803) 391-3777 - View Map
- Jessica Hogan - State Farm Insurance Agent
4429 Broad River Rd - Columbia, SC 29210 - (803) 798-5377 - View Map
- Veronica Isaac - State Farm Insurance Agent
1920 Bull St c - Columbia, SC 29201 - (803) 779-6650 - View Map
Finding the right auto insurance agent shouldn't rely on just the premium amount. The answers to these questions are important, too.
- Do they offer claims assistance after hours?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Can you use your own choice of collision repair facility?
- Who are their largest clients?
- Do they assist clients in filing claims?
- Which insurance company do they prefer to write with?
- How are they compensated?
- Are they full-time agents?
Upon getting good answers to any questions you may have and a good coverage price, most likely you have located an insurance agency that can be relied on to adequately provide auto insurance.