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Discover the Secret to Bagging the Cheapest Car Insurance for Senior Drivers in California!

Car insurance rates for a   F-150 Ford in   California Los Angeles San Francisco San Jose

Estimated cost for car insurance $987 dollars.

In the golden state, driving is often more than just a necessity; it's a way of life. And for senior drivers, who may be on fixed incomes but still need to maintain mobility, finding an affordable, comprehensive, and reliable auto insurance is often a critical concern. They are searching for more than just the lowest prices; they're looking for an insurance policy that matches their individual needs and offers the best possible value. In this quest, several questions naturally arise: Which insurance companies offer the most competitive rates? How does the deductible amount influence the premium? What kind of coverage does each insurance company provide, and how does it differ from the others? Are assistance services included in the package? This article seeks to shed light on these queries.

In the pursuit of the cheapest car insurance, here are some key findings you will discover in this article:

  1. A comparison of insurance costs from leading insurers.
  2. The impact of varying deductibles on the premium.
  3. A rundown of coverage options available.
  4. An overview of available assistance services.
  5. Regional differences in premium within California, highlighting different cities.

Navigating the Insurance Jungle: Prices, Deductibles and More

When shopping for car insurance, understanding how costs are determined is vital. The rate varies based on a multitude of factors, such as the driver's age, driving record, location, and the vehicle model, among others. In our case, we're looking at insuring a Ford F-150 for a senior driver in California.

Insurance Company Annual Premium (USD) Deductible (USD)
State Farm 1,215 500
GEICO 1,290 500
Allstate 1,275 500
Progressive 1,180 500

The table above reveals that Progressive offers the most affordable premium for a $500 deductible policy. However, it's crucial to note that a lower premium might mean less coverage.

Balancing Act: Coverage Options and Assistance Services

Different insurers offer a range of coverage options. While some services like collision and comprehensive coverage are standard, others such as emergency road service and rental reimbursement vary between providers.

Insurance Company Collision Comprehensive Emergency Road Service Rental Reimbursement
State Farm Yes Yes Yes Yes
GEICO Yes Yes Yes No
Allstate Yes Yes No Yes
Progressive Yes Yes Yes Yes

This table shows that although GEICO and Progressive have similar prices, Progressive includes rental reimbursement in its policy, giving it an edge in terms of value for money.

The Golden State’s Golden Rates: Regional Differences

The costs of insuring your Ford F-150 as a senior driver in California also depend on your location within the state. Below are the average premiums for a few major cities.

City Average Annual Premium (USD)
Los Angeles 1,450
San Francisco 1,320
San Diego 1,200
Sacramento 1,270

As shown above, prices differ quite significantly between cities, with San Diego offering the cheapest rates on average.


Ford F-150: Best Trims and Models for Seniors in Terms of True Cost to Own & Insurance

Owning a vehicle goes beyond the initial purchase price. The true cost to own involves several factors, including insurance premiums, fuel costs, depreciation, maintenance, and repairs. Below, we highlight the most cost-effective Ford F-150 models and trims for senior drivers, considering both five- and ten-year ownership periods and the cost of insurance.

1. Ford F-150 XL Regular Cab (2018 Model)

The 2018 F-150 XL Regular Cab has proven to be one of the most affordable options for seniors. It offers reliability and lower-than-average insurance premiums, making it an economical choice. The five-year cost to own is approximately $35,600, and the ten-year cost is around $51,900.

Cost Component 5-Year Cost (USD) 10-Year Cost (USD)
Purchase Price 19,500 19,500
Depreciation 7,600 14,300
Insurance 4,500 9,000
Fuel 2,500 5,000
Maintenance 1,000 2,500
Repairs 500 1,600
Total Cost 35,600 51,900

2. Ford F-150 XLT SuperCab (2019 Model)

Another excellent choice is the 2019 F-150 XLT SuperCab. This model offers enhanced safety features, appealing to insurance companies and potentially lowering insurance rates. The five-year cost to own is estimated at $37,900, with the ten-year cost rounding off at $54,500.

Ford F-150 XLT SuperCab (2019 Model): Detailed Cost Breakdown

Here is a detailed breakdown of the estimated five- and ten-year costs for the 2019 Ford F-150 XLT SuperCab. These estimates include various ownership costs such as insurance, maintenance, repairs, fuel, and depreciation.

Cost Category 5-Year Cost (USD) 10-Year Cost (USD)
Purchase Price 28,600 28,600
Insurance 5,000 10,000
Maintenance 1,500 4,500
Repairs 800 2,200
Fuel 6,000 12,000
Depreciation 4,000 9,200
Total Cost to Own 37,900 54,500

Note: The insurance costs mentioned in the table are indicative. The actual insurance costs can vary based on various factors including your driving history, location, coverage type, deductible amount, and the specific insurer.

The maintenance cost tends to rise with time, hence a higher maintenance cost in the ten-year estimation. Repairs usually are more frequent and costlier as the vehicle ages, contributing to the increased cost over ten years. Fuel costs are calculated assuming an average annual mileage and current fuel prices.

Depreciation is the loss in value that a car experiences over time. Here, we observe a significant hit in the first five years with a slower depreciation rate in the following five years.

To get the most accurate insurance quotes for the 2019 Ford F-150 XLT SuperCab, consider using car insurance comparison tools, which allow you to compare rates from various insurance companies.

3. Ford F-150 Lariat SuperCrew (2020 Model)

For seniors wanting more comfort and convenience, the 2020 F-150 Lariat SuperCrew is a prime choice. Despite higher initial costs, it offers superior resale value, reducing overall ownership costs. The five-year cost to own is about $44,500, and the ten-year cost stands at $63,800.

Cost Category 5-Year Cost (USD) 10-Year Cost (USD)
Purchase Price 34,500 34,500
Depreciation 13,500 22,100
Fuel 6,250 12,500
Insurance 6,250 12,500
Maintenance 2,250 4,500
Repairs 1,250 2,500
Licensing, Taxes, and Fees 2,500 5,000
Total Cost to Own 44,500 63,800

This analysis assumes an average annual mileage of around 15,000 miles, and average insurance costs of $1,250 per year. Maintenance costs increase with time, hence the larger costs in the 10-year estimate. Also, it's worth noting that the F-150 Lariat SuperCrew has a good reputation for reliability, which can lead to lower-than-average repair costs.

4. Ford F-150 XL Regular Cab (2021 Model)

The 2021 F-150 XL Regular Cab is an excellent choice for budget-conscious seniors. With advancements in fuel efficiency and modest insurance rates, this model delivers value for money. The estimated five-year cost to own is $36,900, and the ten-year cost is approximately $53,500.

Ford F-150 XL Regular Cab (2021 Model): Cost Breakdown

Here is the detailed breakdown of costs associated with owning a Ford F-150 XL Regular Cab (2021 Model) over five and ten years:

Cost Type 5-Year Cost (USD) 10-Year Cost (USD)
Purchase Price 28,000 28,000
Depreciation 12,000 16,800
Insurance Premiums 6,250 12,500
Fuel 6,500 13,000
Maintenance 1,650 4,000
Repairs 800 2,200
Total 36,900 53,500

Remember, these are estimated costs. The actual expenses may vary based on your driving habits, the condition of the vehicle, and insurance premiums offered by different insurance companies.

5. Ford F-150 STX SuperCrew (2022 Model)

The STX SuperCrew version of the 2022 F-150, with its updated safety features, may appeal to insurers and help in lowering premiums. Its predicted five-year cost to own is $40,300, while the ten-year cost is around $58,400.

Cost Type Estimated 5-year Cost (USD) Estimated 10-year Cost (USD)
Depreciation 15,000 22,600
Insurance 7,500 15,000
Fuel 9,000 18,000
Maintenance 5,000 11,000
Repairs 3,800 7,800
Total 40,300 58,400

Real Examples: Senior Drivers in California

Example 1: The Careful Pensioner in Quiet Sacramento (Zip code: 94203)

John, a 70-year-old retired teacher in Sacramento, boasts a clean driving history and a good credit score of 700. However, he lives in a densely populated area (zip code: 94203), which sees a higher average rate due to an increased risk of theft and vandalism. This translates into an estimated increase in his insurance premium by around 15%.

Insurance Company Estimated Annual Premium (USD)
State Farm 1,298
GEICO 1,380
Allstate 1,365
Progressive 1,260
Farmers 1,435
Wawanesa Insurance 1,315
Mercury Insurance Group 1,410
Infinity Auto 1,350

Considering John's situation, the best approach would be to take advantage of his clean driving history and good credit score. He should compare quotes from different insurers, paying particular attention to those offering discounts for safe driving and good credit.

Example 2: The Busy Entrepreneur in Bustling Los Angeles (Zip code: 90001)

Margaret, a 65-year-old businesswoman from Los Angeles, travels a lot for work and has made a couple of claims in the past two years. Living in a high-population location (zip code: 90001) with a credit score of 650, her average rates are likely to increase by about 25% due to her claims history.

Insurance Company Estimated Annual Premium (USD)
State Farm 1,519
GEICO 1,613
Allstate 1,594
Progressive 1,475
Farmers 1,669
Wawanesa Insurance 1,644
Mercury Insurance Group 1,763
Infinity Auto 1,688

Given Margaret's situation, her best bet is to work on improving her credit score and aim for a claim-free year to qualify for 'No Claims Bonus' from her insurer.

Example 3: The Novice Senior Driver in Scenic San Diego (Zip code: 92101)

Philip, 62, just retired and finally decided to get a driver's license. As a new driver residing in San Diego (zip code: 92101), his average rates are expected to be around 30% higher despite his location in a lower risk area.

Insurance Company Estimated Annual Premium (USD)
State Farm 1,566
GEICO 1,677
Allstate 1,657
Progressive 1,534
Farmers 1,732
Wawanesa Insurance 1,705
Mercury Insurance Group 1,829
Infinity Auto 1,751

Philip should consider taking a defensive driving course to gain experience and potentially earn a discount on his premium.

Example 4: The San Francisco Socialite with a DUI (Zip code: 94101)

Rebecca, a 68-year-old retired socialite living in San Francisco, has a DUI on her record from two years ago. With a credit score of 720 and living in an area with a moderate crime rate (zip code: 94101), her average rates will likely increase by a staggering 60%.

Insurance Company Estimated Annual Premium (USD)
State Farm 1,944
GEICO 2,064
Allstate 2,040
Progressive 1,888
Farmers 2,095
Wawanesa Insurance 2,064
Mercury Insurance Group 2,208
Infinity Auto 2,124

Rebecca's DUI increases her premium significantly. She should consider seeking insurers who specialize in high-risk coverage and possibly undergo a DUI course to mitigate the increase.

Example 5: The Evergreen Adventurer in Sunny San Francisco (Zip code: 94101)

Robert, a 70-year-old adventure enthusiast, has a history of minor traffic violations. With a moderate credit score of 680 and living in San Francisco (zip code: 94101), his average rates could see a bump of approximately 20%.

Insurance Company Estimated Annual Premium (USD)
State Farm 1,458
GEICO 1,548
Allstate 1,530
Progressive 1,416
Farmers 1,598
Wawanesa Insurance 1,578
Mercury Insurance Group 1,692
Infinity Auto 1,620

To tackle these rates, Robert should look for insurers who offer 'minor violation forgiveness', and he could potentially undertake a traffic course to further offset his rate hike.


Wrapping Up: The Road to Affordable Insurance

Securing affordable car insurance doesn’t mean sacrificing coverage or service. By considering factors like price, deductible amount, coverage options, and regional costs, senior drivers in California can find the most suitable and affordable insurance for their Ford F-150. The road may seem challenging, but with the right knowledge and tools, it's a journey that can lead to significant savings.


Lowest rates in California $364
Average rates in California $1821
Highest rates in California $6.374
Please note that these prices are indicative only and costs may vary depending on the type of policy and an insurance agent you choose.
The content "Discover the Secret to Bagging the Cheapest Car Insurance for Senior Drivers in California!" has been written 1 year ago. Demonstrate your skills and willingness to help and answer right now! Issue is related to the location of California, Los Angeles, San Francisco, San Jose & vehicle model: F-150, Ford. Are you an insurance agent (living around California, Los Angeles, San Francisco, San Jose) who can offer auto insurance quotes online? As an insurer, you can offer insurance quotes (free). Expected or offered car insurance price is around or under 987 dollars. Latest answer commented 1 year ago.

Commissioner

  • Dave JonesCommissioner
  • (Chair, Western Zone)
  • California Department of Insurance
  • 300 Capitol Mall, Suite 1700
  • Sacramento, California 95814
  • Phone: 916.492.3500 
  • Fax: 916.445.5280
  • 45 Fremont Street, 23rd Floor
  • San Francisco, California 94105
  • Phone: 415.538.4010 
  • Fax: 415.904.5889
  • 300 South Spring Street
  • South Tower 
  • Los Angeles, California 90013
  • Phone: 213.346.6464
  • Fax: 213.897.9051

Department of Insurance

To request professional legal assistance with an insurance question or file an insurance-related complaint online, please visit website of - State insurance commissioners.

Would you like to know if an insurance company is licensed in California, San Jose, San Francisco, Los Angeles or any other U.S State? How much does F-150, Ford car insurance cost? To speak (chat) with a Division of Insurance Consumer Services representative please follow the link above.

Remember, your F-150, Ford car insurance has to be purchased through an agent licensed in your State.
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Learn more about rates and terms for your F-150, Ford and find the cheapest car insurance quotes in California, San Jose, San Francisco, Los Angeles and other U.S. states to fit your needs and family budget. Understanding car insurance average rates in California can help find a good, cheap car insurance policy and a great way to save some money. Would you like to pay less than 987$ for liability insurance in your state? You can lower your monthly insurance payments by 10 - 30%. How? By doing any of the following.

Ask for better quotes - online

The states with the cheapest car insurance has average rates for this vehicle around $296 dollars, and the states with the most expensive rates are around $2.171 a month/year. The right discount can save you hundreds of dollars off your car insurance bill. Auto insurance companies in California, San Jose, San Francisco, Los Angeles use rating factors, to determine how much to charge you for coverage. These rating factors include: the make, model and year of your F-150, Ford and similar vehicles.

Myths about car insurance

How much do you pay to insure your F-150, Ford? Car insurance rates among states vary widely and insurance companies need to figure out if the applicant is too risky for them to insure. Auto insurance is very expensive, probably one of the most costly part of driving. How much do you pay for your policy in California, San Jose, San Francisco, Los Angeles? 987$? More or less?
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Minimum insurance requirements

The minimum amount of liability insurance you must have on your policy is:

  • $15,000 for injury/death to one person.
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage to property.
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