Ford Motor Credit Insurance Review & Ratings (2023)

This Ford Motor Credit Insurance Review will cover Ford Motor Credit Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance rates from the best companies in your area, enter your ZIP code below.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Mar 7, 2023

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If you’re in the market for a reliable car insurance provider, Ford Motor Credit insurance is worth considering. With a long history of providing quality services and products, the company has a reputation for offering competitive rates and excellent discounts to its customers.

In this article, we’ll take a closer look at the company’s history, mission, and products, as well as the states where they operate. We’ll also explore the various discounts available to customers and what they can expect from the customer experience, including customer reviews of the company.

Highlights of Ford Motor Credit insurance:

  • Offers a wide range of insurance products for Ford vehicle owners, including liability, comprehensive, and collision coverage.
  • Provides competitive rates and discounts to its customers.
  • Backed by the strength and reputation of the Ford Motor Company.

When you purchase a vehicle, whether new or used, you need to make sure you have the right insurance to protect your investment. Ford Motor Credit insurance is an option to consider if you’re a Ford vehicle owner.

The company offers a range of insurance products, from liability coverage to comprehensive and collision coverage, that can help keep you and your vehicle safe on the road.

Ford Motor Credit Insurance History and Mission

Ford Motor Credit insurance is part of the Ford Motor Company, one of the largest and most well-known automobile manufacturers in the world. The company was founded in 1903 by Henry Ford and has a long history of innovation and excellence in the automotive industry.

Ford Motor Credit, the financing arm of the company, was established in 1959 to help consumers purchase Ford vehicles. The insurance division was later added to provide customers with additional protection and peace of mind on the road. The mission of Ford Motor Credit insurance is to provide quality insurance products and services to Ford vehicle owners.

The company strives to offer competitive rates and discounts to its customers while maintaining the high level of service and support that Ford is known for. Ford Motor Credit insurance is committed to customer satisfaction and works hard to provide a seamless and stress-free insurance experience.

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Types of Insurance Offered by Ford Motor Credit

Ford Motor Credit insurance offers a range of insurance products to Ford vehicle owners. These include:

  • Liability coverage: This type of coverage is required by law in most states and covers the costs of any damages or injuries you cause to others while driving your vehicle. This insurance coverage is divided into two types:
  • Bodily injury liability coverage: This type of coverage pays for medical expenses, lost wages, pain and suffering, and other costs related to injuries suffered by another person in an accident that you caused.
  • Property damage liability coverage: This coverage pays for the costs of damages to another person’s property, such as their vehicle, that you caused in an accident.
  • Collision coverage: This coverage pays for any damages to your vehicle in the event of an accident, regardless of who is at fault.
  • Comprehensive coverage: This coverage protects your vehicle against non-collision-related damages, such as theft, vandalism, or weather-related incidents.
  • Personal injury protection (PIP): This coverage pays for medical expenses and lost wages in the event of an accident, regardless of who is at fault.
  • Roadside assistance: This service provides assistance in the event of a breakdown or other emergency on the road.
  • GAP insurance: This type of coverage pays the difference between the amount you owe on your vehicle and the actual cash value of the vehicle in the event of a total loss. This insurance is especially useful for those who finance or lease a vehicle, as it helps cover the difference between the actual cash value of the vehicle and the remaining balance on the financing.
  • Extended service plan: This type of insurance coverage helps cover the costs of repairs or replacement of certain parts that may fail due to normal wear and tear on your vehicle. This type of coverage can be especially useful for those who plan to keep their vehicle for an extended period of time.

The Cost of Coverage With Ford Motor Credit Insurance

The cost of coverage with Ford Motor Credit insurance varies depending on a number of factors. These include the type of coverage you need, your driving history, the make and model of your vehicle, and the state you live in.

Here is a breakdown of some of the factors that can influence the cost of coverage with Ford Motor Credit insurance:

  • Vehicle type: The type of vehicle you drive can affect the cost of your insurance coverage. For example, a sports car may have a higher insurance premium than a family sedan due to the higher likelihood of accidents and theft.
  • Driving history: Your driving record, including any accidents or traffic violations, can also affect the cost of your insurance. If you have a clean driving record, you may be eligible for lower insurance rates.
  • Age: Younger drivers typically pay higher insurance premiums, as they are statistically more likely to be involved in accidents.
  • Location: The state you live in can also affect the cost of your insurance coverage. For example, states with higher population densities or higher rates of accidents may have higher insurance rates.

While the cost of coverage with Ford Motor Credit insurance will vary based on these factors, the company offers competitive rates and a variety of discounts to help customers save money.

Here are some of the discounts that may be available:

  • Multi-vehicle discount: If you have more than one vehicle insured with Ford Motor Credit, you may be eligible for a multi-vehicle discount.
  • Safe driver discount: If you have a clean driving record, you may be eligible for a safe driver discount.
  • Good student discount: Full-time students with good grades may be eligible for a good student discount.
  • Anti-theft discount: If your vehicle has an anti-theft system, you may be eligible for an anti-theft discount.
  • Military discount: Active military personnel and veterans may be eligible for a military discount.

Areas Where Ford Motor Credit Insurance is Offered

Ford Motor Credit insurance is offered in many states across the United States. The company works with a network of insurance providers to offer coverage to Ford vehicle owners.

Additionally, insurance rates may vary based on the specific location within each state, as well as individual factors like age, driving record, and the type of vehicle you own.

If you are interested in finding out which states offer Ford Motor Credit insurance, here are the steps you can follow:

  • Go to the Ford Motor Credit website: Start by going to the Ford Motor Credit website to find information about the insurance products and services they offer.
  • Click on the “Insurance” tab: Once you’re on the Ford Motor Credit homepage, click on the “Insurance” tab to explore the different insurance options available.
  • Explore available insurance products: On the Insurance page, you’ll find information about the different types of insurance offered by Ford Motor Credit, including auto, home, and life insurance. Click on the “Auto Insurance” link to learn more about the auto insurance options.
  • Click on the “Get a Quote” button: Once you’re on the auto insurance page, click on the “Get a Quote” button to begin the quote process.
  • Enter your ZIP code: To get a quote, you’ll need to enter your ZIP code to find out if Ford Motor Credit insurance is available in your area.
  • Check available insurance products: After entering your ZIP code, you’ll be shown the available insurance products in your area. Check to see if auto insurance is offered in your state.
  • Contact a representative: If you are interested in purchasing Ford Motor Credit insurance, you can contact a representative by phone or email to learn more about the specific products and services available in your state.

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Discounts Available Through Ford Motor Credit Insurance

Ford Motor Credit insurance offers a variety of discounts to help customers save on their auto insurance premiums. Here are some of the discounts that are available:

  • Multi-vehicle discount: If you insure more than one vehicle with Ford Motor Credit insurance, you may be eligible for a multi-vehicle discount.
  • Safe driver discount: If you have a good driving record with no accidents or traffic violations, you may be eligible for a safe driver discount.
  • Good student discount: If you’re a student under the age of 25 and maintain a B average or higher, you may be eligible for a good student discount.
  • Anti-theft discount: If your vehicle is equipped with anti-theft devices, you may be eligible for an anti-theft discount.
  • Anti-lock brakes discount: If your vehicle is equipped with anti-lock brakes, you may be eligible for an anti-lock brakes discount.
  • Passive restraint discount: If your vehicle is equipped with passive restraint systems, such as airbags and seat belts, you may be eligible for a passive restraint discount.
  • Low mileage discount: If you don’t drive your car frequently or for long distances, you may be eligible for a low mileage discount.

To qualify for these discounts, you may need to meet certain requirements, such as maintaining a good driving record or having specific safety features installed in your vehicle.

It’s always a good idea to check with a Ford Motor Credit insurance representative to find out more about the specific requirements for each discount and how much you could save on your insurance premiums.

Ford Motor Credit Insurance Customer Reviews

Customer reviews are an important way to learn about the experiences of others who have used Ford Motor Credit insurance. Here’s an overview of customer reviews of the company, including their strengths and weaknesses:

Strengths:

  • Good customer service: Many customers have reported positive experiences with Ford Motor Credit’s customer service, citing helpful and responsive representatives.
  • Convenient payment options: Customers appreciate the ability to make payments online or over the phone, making it easy to manage their insurance policy.
  • Competitive pricing: Some customers have reported that Ford Motor Credit offers competitive pricing for their auto insurance products.
  • Customizable coverage: Customers appreciate the ability to customize their coverage options to fit their specific needs.

Weaknesses:

  • Limited availability: Some customers have reported difficulty in finding information about Ford Motor Credit insurance online or in their area, and some have found that the company doesn’t offer insurance in all states.
  • Claims handling issues: A few customers have reported issues with the claims handling process, including delays and difficulties with communication.
  • Limited discounts: While Ford Motor Credit does offer some discounts, some customers have reported that the company doesn’t offer as many discounts as some other insurance providers.

Overall, Ford Motor Credit insurance has received mixed reviews from customers. While some customers have had positive experiences with the company’s customer service and pricing, others have reported issues with claims handling and availability.

As with any insurance provider, it’s important to research and compare different options before making a decision about which provider to choose.

In Summary: Ford Motor Credit Insurance

Ford Motor Credit Insurance is the auto insurance arm of Ford Motor Credit Company, which is a subsidiary of the Ford Motor Company. The company was founded in 1959 and has since become a leading provider of auto financing and insurance services.

Ford Motor Credit Insurance offers a variety of auto insurance products, including liability, collision, and comprehensive coverage, as well as personal injury protection and uninsured/underinsured motorist coverage. Customers can customize their coverage options to fit their specific needs and budget.

The cost of coverage with Ford Motor Credit insurance varies depending on factors such as the type of coverage selected, the customer’s driving record, the make and model of their vehicle, and the state in which they reside. Ford Motor Credit Insurance is currently available in 46 states and the District of Columbia.

Customers can take advantage of a variety of discounts to save on their auto insurance premiums, including multi-vehicle, safe driver, good student, anti-theft, anti-lock brakes, passive restraint, and low mileage discounts. As with any insurance provider, it’s important to research and compare different options to find the provider that best meets your needs.

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