Paying low cost premium rates for Ford F-150 insurance in Baltimore could be a challenge for people who are new to quoting and comparing prices online. With literally dozens of online companies available, it can easily turn into a lot of work to find the lowest price on Ford F-150 insurance.

Discount Ford F-150 insuranceSurprisingly, a recent survey revealed that the majority of drivers have purchased from the same company for four years or more, and approximately 38% of consumers have never compared rates with other companies. With the average car insurance premium being $1,494, Baltimore drivers could save themselves roughly 55% a year just by getting comparison quotes, but most just don't grasp how much savings they would realize if they moved their coverage to a different company.

Car insurance providers offering competitive prices in Maryland

The companies shown below provide quotes in Maryland. If multiple companies are listed, we recommend you get prices from several of them to get the best price comparison.

Ford F-150 Insurance Estimates in Baltimore, MD
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $234 $338 $382 $22 $114 $1,090 $91
F-150 STX Regular Cab 2WD $296 $508 $414 $24 $124 $1,366 $114
F-150 XL Super Cab 2WD $214 $370 $390 $24 $116 $1,114 $93
F-150 XLT Regular Cab 2WD $236 $426 $458 $28 $138 $1,286 $107
F-150 STX Super Cab 2WD $298 $596 $492 $30 $148 $1,564 $130
F-150 XL Crew Cab 2WD $270 $448 $458 $28 $138 $1,342 $112
F-150 XLT Super Cab 2WD $318 $478 $418 $24 $126 $1,364 $114
F-150 STX Regular Cab 4WD $270 $426 $426 $26 $128 $1,276 $106
F-150 XL Regular Cab 4WD $302 $492 $528 $32 $158 $1,512 $126
F-150 FX2 Super Cab 2WD $270 $430 $382 $22 $114 $1,218 $102
F-150 XLT Crew Cab 2WD $388 $638 $548 $32 $164 $1,770 $148
F-150 XL Super Cab 4WD $166 $282 $458 $28 $138 $1,072 $89
F-150 XLT Regular Cab 4WD $398 $518 $532 $32 $160 $1,640 $137
F-150 XL Crew Cab 4WD $394 $518 $406 $24 $122 $1,464 $122
F-150 STX Super Cab 4WD $304 $426 $458 $28 $138 $1,354 $113
F-150 XLT Super Cab 4WD $248 $360 $458 $28 $138 $1,232 $103
F-150 FX2 2WD $322 $486 $418 $24 $126 $1,376 $115
F-150 Lariat Super Cab 2WD $348 $608 $492 $30 $148 $1,626 $136
F-150 Lariat Crew Cab 2WD $288 $426 $406 $24 $122 $1,266 $106
F-150 FX4 Super Cab 4WD $394 $650 $548 $32 $164 $1,788 $149
F-150 XLT Crew Cab 4WD $394 $650 $548 $32 $164 $1,788 $149
F-150 FX4 4WD $382 $618 $414 $24 $124 $1,562 $130
F-150 Lariat Crew Cab 4WD $328 $426 $532 $32 $160 $1,478 $123
F-150 SVT Raptor Super Cab 4WD $340 $618 $458 $28 $138 $1,582 $132
F-150 Lariat Super Cab 4WD $280 $418 $414 $24 $124 $1,260 $105
F-150 Lariat Crew Cab Platinum 2WD $248 $492 $458 $28 $138 $1,364 $114
F-150 Lariat Crew Cab Harley 2WD $304 $642 $458 $28 $138 $1,570 $131
F-150 Lariat King Ranch 2WD $262 $462 $418 $24 $126 $1,292 $108
F-150 Lariat King Ranch 4WD $276 $518 $458 $28 $138 $1,418 $118
F-150 Lariat Crew Cab Harley 4WD $234 $442 $528 $32 $158 $1,394 $116
F-150 Lariat Crew Cab Platinum 4WD $210 $404 $458 $28 $138 $1,238 $103
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Prices do not factor in specific zip code location which can change coverage prices greatly.

Liability only or full coverage

The example below illustrates the comparison of Ford F-150 car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on a clean driving record, no at-fault accidents, $100 deductibles, married male driver, and no discounts are applied.

When to drop full coverage

There is no set rule of when to drop full coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Ford F-150 book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $6,000 after the deductible is paid. If you are currently paying more than $600 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are some conditions where eliminating full coverage is not advised. If you still have a lienholder on your title, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should keep full coverage.

Poor driving habits will raise your auto insurance rates

The chart below demonstrates how traffic citations and at-fault collisions impact Ford F-150 insurance costs for different insured age categories. The data assumes a married female driver, comp and collision included, $100 deductibles, and no discounts are applied.

Cheaper rates with these discounts on Ford F-150 insurance in Baltimore

Companies that sell car insurance don't always list their entire list of discounts in a way that's easy to find, so the list below contains both well-publicized and also the lesser-known credits available to lower your premiums when you buy Baltimore car insurance online. If you don't get every credit possible, you're just leaving money on the table.Car insurance discounts

Policy discounts save money, but most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn't make money that way.

Popular car insurance companies and some of the premium reductions they offer include:

When getting a coverage quote, ask each insurance company which discounts you qualify for. Some discounts may not apply in Baltimore. For a list of providers who offer car insurance discounts in Maryland, click here to view.

Decisions You Make Can Impact Your Insurance Prices

Many things are considered when quoting car insurance. Some are obvious like a motor vehicle report, but others are more obscure like your continuous coverage or how financially stable you are. An important part of buying insurance is that you know the factors that come into play when calculating insurance rates. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can help you get better insurance rates.

The following are some of the factors insurance companies consider when setting your rates.

Tailor your car insurance coverage to you

When it comes to coverage online or from an agent, there really isn't a one-size-fits-all type of policy. Your financial needs are unique.Higher deductibles save money

For instance, these questions might point out whether your personal situation would benefit from an agent's advice.

If it's difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form.

Compare rates but buy from a local neighborhood Baltimore car insurance agent

Some people just want to get advice from a local agent and that is recommended in a lot of cases One of the great benefits of comparing insurance online is that you can find better rates and also buy local. And supporting neighborhood agents is definitely important in Baltimore.

Insurance agents in BaltimoreBy using this form (opens in new window), the quote information is submitted to agents in your area who will give you bids for your business. You won't even need to drive around because prices are sent instantly to you. You can get cheaper insurance rates without requiring a lot of work. In the event you want to get a comparison quote for a specific company, you can always go to their quote page and fill out their quote form.

If you need to find a good Baltimore insurance agent, you should know the types of insurance agents to choose from. Agents in Baltimore are considered either independent agents or exclusive agents.

Independent Insurance Agents

Agents of this type are not employed by any specific company and that is an advantage because they can write policies with lots of companies and help determine which has the cheapest rates. To move your coverage to a new company, the agent simply finds a different carrier and the insured can keep the same agent.

If you are comparing insurance prices, you need to compare quotes from multiple independent agents in order to compare the most rates. Many can place coverage with additional companies that you may not be familiar with which could offer lower prices.

The following are Baltimore independent agencies that may be able to give free rate quotes.

View more Baltimore agents

Exclusive Agencies

Agents of this type can only write with one company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot compare other company's rates so they really need to provide good service. Exclusive agents receive a lot of sales training on what they offer which helps them sell insurance even at higher premiums. Consumers sometimes choose to use an exclusive agent partially due to loyalty to the company and solid financial strength.

Listed below are Baltimore exclusive insurance agencies who can help you get price quote information.

View more Baltimore agents

Selecting a car insurance agent requires more thought than just the premium amount. You should also get answers to these questions.

After you get good answers for all questions you ask as well as a price you're happy with, you've probably found an insurance agency that meets your needs to adequately provide insurance.

Persistence pays off

Insureds leave their current company for any number of reasons including policy non-renewal, being labeled a high risk driver, questionable increases in premium or lack of trust in their agent. It doesn't matter why you want to switch switching car insurance companies is easier than you think.

When getting Baltimore car insurance quotes online, it's not a good idea to reduce coverage to reduce premium. There are a lot of situations where someone sacrificed full coverage and learned later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find at the best price but still have enough coverage for asset protection.

Lower-priced car insurance in Baltimore is available from both online companies and from local agencies, so you need to quote Baltimore car insurance with both to have the best selection. There are still a few companies who may not provide price quotes online and many times these regional carriers only sell coverage through local independent agents.

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