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UPDATED: Mar 13, 2020
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Ford is one of the leading manufacturers for vehicles in America, and every Ford sold must have car insurance on it at some point in time by law. If you drive a Ford or are planning to get one in the near future, you may are probably in need of Ford car insurance. There are many different factors that go into determining how much money you pay for Ford car insurance, and some of them are beyond your control. The tips below should help you manipulate the factors you are in control of so that you can get the best insurance rate possible. First, you can find cheap car insurance quotes for FREE by entering your ZIP code into our ZIP code search! Then, you can easily compare Ford car insurance and find INSTANT savings!
Ford car insurance will vary from one vehicle to the next, so you may want to take the time to find a Ford that will offer you the cheapest car insurance rates possible. A safe, reliable Ford like a Focus or Explorer is going to have lower insurance premiums than a fast muscle car like a Mustang. The Ford Taurus SHO is a performance model of a standard Ford Taurus, and as a result of the extra horsepower, you will have to pay more on insurance for it. You can get the car you want, but realize that it may come with a high insurance price.
The age of the car will also factor into how much money you pay for Ford car insurance. Newer cars cost more money, and thus they cost more to insure. At the same time, newer cars tend to offer better safety features, which may actually lower the amount of money you pay for insurance every month.
The best way for you to see which Ford you should put insurance on is to go online and compare rates for different vehicles until you find something that works within your budget. You can instantly get a quote for what you may expect to pay to insure different vehicles, and then you can combine those rates with your monthly car payments to determine what you can afford. You can also take a look at the cheapest cars to insure.
Some insurance providers will charge more for Ford car insurance than others. The simplest way to see which car insurance company you should work with is to get several quotes online for your insurance. You do not have to go to each insurance provider to make this happen though. You should be able to compare all of your rates in one site with one application, and that could save you a ton of time along the way. Your low rates may just be a few clicks away.
Lower Your Risk Factors
The reason why some insurance companies charge more money than others is because of the way they assess the risk you present them. If you are a high risk driver, you are going to pay more for Ford car insurance because the insurance carriers will be taking more of a gamble working with you. Here are a few risk factors you may be able to control:
- Bad Driving Records
- DUI Charges
- Low Credit Scores
- Crime History
- Bad Grades in School
- High Vehicle Mileage
If you can reverse any of those factors in your life, you may be able to see a reduction in the amount of money you pay for Ford car insurance every month. Also, make sure you take the time to check car insurance discounts to help find cheaper car insurance!
Bundle Your Insurance Policies
It is easy to save money on Ford car insurance by bundling it with other insurance policies in your life. This could be your life insurance policy, home owner’s policy, health insurance policy, or any other form of insurance you have. The insurance policies will still be separate, and you can even pay them at different times in the month. By combining all of them with one insurance provider though, you will be able to get a discount on the policies individually.
You can also bundle multiple cars together with one insurance provider. This can be especially beneficial if you have a young driver in your home because you can cut down the cost of premiums for a young driver. People under the age of 25 have to pay much higher premiums because they do not have a range of driving experiences. If you want to reduce the money you pay for your son or daughter to drive, you can just put his or her policy with yours.
Keep a Good Driving Record
Many insurance companies nowadays will extend a good driver discount to drivers if they keep up a good driving record for several years in a row. This saves the insurance company from having to cover the cost of a claim, so the company is willing to offer a discount as a sign of gratitude for the safe driving. Good driving will make you a low risk driver, and low risk drivers always save on their car insurance premiums. You can get cheap Ford car insurance if you abide by the laws and practice defensive driving at all times.
At the end of the day, you just have to be open to exploring new options. You cannot assume that the insurance company you have been working with for years is going to offer you the best deal every time. You may have been overpaying on insurance for years now without knowing it. If you compare your insurance rates on a regular basis, you can see if you are in fact getting a good deal every month. Start today by entering your ZIP code into our FREE search! We will provide you with the cheapest car insurance quotes among all car insurance providers INSTANTLY!
Ford car insurance is highly affordable, especially if you know what to shop for. Take a look at your options online and see what will be best for you. With a little research and a good driving record, you should be able to get insured for a price you can actually afford. Don’t forget to enter your ZIP code and compare car insurance quotes for FREE!