7 Simple Methods to Lower Ford F350 Super Duty Pickup Rates in Nevada
Nevada buyers have many options when searching for the best price on Ford F350 Super Duty Pickup insurance. They can either waste time driving around to compare prices or utilize the internet to make rate comparisons. There are both good and bad ways to find car insurance online so we’re going to tell you the absolute fastest way to compare rates for a new or used Ford and obtain the best price possible either online or from Nevada insurance agents.
It’s a good idea to check car insurance prices every six months because insurance rates fluctuate regularly. Even if you think you had the best price on F350 Super Duty pickup insurance a few years ago the chances are good that you can find a lower rate today. Don’t believe everything you read about car insurance on the internet, so I’m going to show you some great ideas on how to quit paying high car insurance rates.
Compare the Market for Car Insurance in Nevada
There are a lot of ways you can shop for car insurance and some are more efficient than others. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could save time and use the web to get pricing more quickly.
Most major companies enroll in a system where insurance shoppers complete one form, and each company returns a competitive quote based on that information. This system prevents you from having to do quote forms for each company you want a rate for. To find out what other companies charge click here to start a free quote.
The one disadvantage to using this type of system is you cannot specify the companies you want pricing from. If you prefer to choose specific providers to compare, we have a page of companies who write car insurance in Nevada. Click to view list.
It’s up to you how you get prices quotes, just ensure you are comparing the exact same coverages with every price quote. If the quotes have unequal deductibles or liability limits you will not be able to make an equal comparison.
Car insurance ads bend the truth
Consumers in Nevada can’t get away from ads for cheaper car insurance from companies such as Progressive, GEICO, Allstate and State Farm. All the ads make the same claim of big savings if you move your policy.
How can each company claim to save you money?
All companies have a preferred profile for the right customer that makes them money. For instance, a profitable customer could possibly be over the age of 50, has no prior claims, and has a high credit rating. A customer that hits that “sweet spot” will qualify for the lowest rates and most likely will save a lot of money.
Potential insureds who are not a match for this ideal profile will be quoted higher premiums which usually ends up with business not being written. The ads state “customers who switch” not “people who quote” save that much. That’s why insurance companies can make those claims. This emphasizes why drivers should get a wide range of price quotes. It’s just too difficult to predict which insurance companies will have the lowest rates.
Companies offer discounts so take them!
Companies offering auto insurance do not list all their discounts very clearly, so we break down both well-publicized as well as the least known car insurance savings. If you’re not getting every credit possible, you’re just leaving money on the table.
- Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less on F350 Super Duty pickup insurance than less cautious drivers.
- Seat Belt Usage – Drivers who require all occupants to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
- Student Driver Training – Cut your cost by having your teen driver complete a driver education course if offered at their school.
- Senior Citizens – Mature drivers may be able to get a small decrease in premiums on F350 Super Duty pickup insurance.
- Multiple Vehicles – Buying insurance for multiple vehicles with the same company could earn a price break for each car.
- Defensive Driving Course – Completing a driver safety course could save 5% or more depending on where you live.
- Employee of Federal Government – Active or retired federal employment may qualify you for a discount on F350 Super Duty pickup insurance with select insurance companies.
It’s important to note that some credits don’t apply to your bottom line cost. Most cut individual premiums such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way.
What if I want to buy from a local Nevada agent?
Certain consumers would prefer to buy from a licensed agent and that is OK! Good agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of comparing rates online is that you can obtain the best rates but also keep your business local.
After completing this quick form, your insurance coverage information is immediately sent to local insurance agents who will return price quotes for your business. There is no reason to leave your computer because quoted prices will be sent to the email address you provide. How cool is that?!
Picking an insurance company needs to be determined by more than just a cheap price. Any agent should have no problem answering these questions:
- Do they feel the quoted coverages are adequate?
- Is their price quote a firm figure or are their hidden costs?
- How much will you save each year by using a higher deductible?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Are you getting all the discounts the company offers?
Two types of Nevada insurance agents
When searching for an insurance agent, there are a couple of types of agencies that you can select. Nevada agents can either be captive or independent. Both types can properly insure your vehicles, but it’s important to know how they are different since it can impact your agent selection.
Agency Captives
These agents can only write with one company and examples are Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to provide prices from multiple companies so they have to upsell other benefits. Captives are very knowledgeable on the products they sell which can be an advantage. Consumers frequently purchase coverage from captives partially due to the brand legacy and the convenience of having a single billing for all their coverages.
Independent Agents (or Brokers)
Independent insurance agents are not required to write business for one company so they have the ability to put coverage amongst many companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally and you don’t have to find a new agent. When shopping rates, we recommend you include multiple independent agents to ensure the widest selection of prices.Many can place coverage with lesser-known insurance companies which can save you money.
To view a full list of agents in Nevada, view this site.
Upon getting acceptable answers to any questions you have and an affordable coverage quote, you have narrowed it down to a car insurance agent that meets your needs to properly service your car insurance policy.
Coverages available on your policy
Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.
Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like hitting a bird, rock chips in glass and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability car insurance – This can cover damage that occurs to other’s property or people in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for things like repair costs for stationary objects, structural damage and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford. Nevada state minimum liability requirements are 15,000/30,000/10,000 but drivers should carry better liability coverage.
UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Ford F350 Super Duty Pickup.
Since many Nevada drivers only carry the minimum required liability limits (15/30/10), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Collision coverage – Collision insurance will pay to fix damage to your F350 Super Duty Pickup resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as rolling your car, scraping a guard rail, colliding with another moving vehicle, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.
Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as nursing services, hospital visits, ambulance fees, prosthetic devices and EMT expenses. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
A little work can save a LOT of money
Budget-conscious Ford F350 Super Duty Pickup insurance is attainable both online in addition to many Nevada insurance agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.
We’ve covered a lot of techniques to reduce Ford F350 Super Duty Pickup insurance prices online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. You may even find the best price on car insurance is with the smaller companies.
Insureds leave their current company for a number of reasons such as poor customer service, not issuing a premium refund, extreme rates for teen drivers and even high rates after DUI convictions. It doesn’t matter what your reason, finding a new company can be easy and end up saving you some money.
Even more information is located at the Nevada Division of Insurance website. Visitors are able to file complaints about an insurance agent or broker, download brochures, and find out which companies have the most complaints.
The following information may also be useful.