Hey ya'll I'm new to the forum. I'm really thinking of buying an '04 F-150 FX4 once I graduate from UT in the summer. I was just wondering what the insurance rates are looking like for this truck?

I'm 21, never been in a accident, no speeding tickets, and have been driving for 4 years.

I guess I should go ahead and make some calls to insurance companies to get quotes, but I'm just wondering what ya'll are paying for your insurance per month.

Thanks

 

You have to call your insurance company - no other way of knowing.


For what it's worth, I called before I bought mine and full coverage was $1,009...which was $200 cheaper than full coverage on my 2002 Ranger

 

It may be $200 less than your Ranger because the '04 F150 got such a high safety rating. There's another reason to love the F150! The money you save in insurance can go into toys for it!

My full coverage for the F150 is costing me about $600 per year, but I'm a 42 year-old with a clean record, plus two other vehicles on the same policy (not included in the price I quoted). Nationwide Insurance, by the way.

 

simply fill out a free online quote from the following:

www.geico.com

OR

www.progressive.com

 

There's been some discussion about this issue already. It seems to depend on where you live and a few other factors. Mine only costs $364 for 6 months (full coverage and low deductables). My wife couldn't believe it. Others on here are paying much more.

 

I pay 25 less a month for my 04 150 than my 00 mustang 3.8l V6.
No wrecks and or tickets....Of course I live in LA and we have so many non insured drivers our insurance rates are a joke.

Sonnyxlt

 

I live in NJ so please, DO NOT get me started about insurance!!! It also means that any number I throw out cannot be compared to any number from anyother state! All I can say though is that my new F150 increased my insurance by about $300 per year as compared to my 1998 Explorer.

OK...for those of you who are curious...I spend about $1,400 per year on insurance for this truck. Again, keep in mind my old Explorer was still over a grand on it's own, so the expense is far from F150 related.

 

From what I know about NJ that is a pretty decent rate. Many pay in upwards of 2500 dollars for insurance there

 

Was not complaining (OK...yes I was)...just did not want anyone trying to compare rates across states. Rates are always a function of where you live and your own personal driving record, other policies you may have with the same company, etc.

When it comes right down to it though, unless you are truly talking some high end performance machines, insurance costs really do not drive purchase decisions. And if you can afford the high-end stuff, chances are insurance costs are not of a concern anyway.

 

Nick_FX4,
I'm paying $1295/year here in the Ellis county area of North Texas. Yours will probably be as much as 70% higher bacause of your age (depending on where you live). Mine went down by about $200/year after the safety rating came out on the '04.

 

Mine is $778 per year here in Georgia. I also have the house and the wife's Explorer on the same policy. Both our records are absolutly perfect. Knock on wood....

 

you guys are extremely lucky

18 year old male, suburban NYC
i was quoted $7500 from 4 different insurance ocmpanies
no accidents/tickets

I had a 97 dakota with no collision and I paid $400 a month, its totally rediculous. I finally talked my parents into letting me go on their insurance, now i pay $3600 a year

 

I guess this is one reason I am happy to be 40....

Our insurance for a 6 month policy was to be $397.00, however when the rating came out they billed us $317.00. My wife and I were both shocked and I got a suprise Saturday gift with the extra moola.....

Hope this helps you out...

freddy

 

I live in CA. I just turned 24 I have AAA

I am paying about 220 a month yes a MONTH

no tickets or anything like that.
I have 100,000/300,000
50,000 car damage
100,000/300,000 unins.

 

YIKES! I feel fortunate now...very fortunate. There's no reason anyone with a good record should have to pay what some of you are paying. That's ridiculous. Thank the politicians, insurance companies (greedy ones only) and the thieves/criminals for the high rates in some areas. Did I miss anyone?