How to Use Online Quotes to Find Ford F150 Pickup Insurance in Nevada

Nobody I know likes paying for car insurance, especially when the cost is way too high. Drivers have multiple auto insurance companies to insure vehicles with, and although it’s a good thing to have multiple companies, it can be more difficult to find the best rates.

How to Compare Car Insurance Costs in Nevada

Shopping for lower car insurance rates can take time and effort if you aren’t aware of the fastest way to get free quotes. You could waste a few hours talking about coverages with agents in your area, or you can stay home and use online quotes for quick rates.

Most major companies participate in an industry program where prospective buyers enter their coverage request one time, and each company provides a quote based on that information. This prevents consumers from doing quote forms for every car insurance company.

To find out what other companies charge click here (opens in new window).

The single downside to comparing rates this way is that you can’t choose which companies you want pricing from. So if you want to choose specific providers to request quotes from, we have a page of car insurance companies in Nevada. Click here for list of insurance companies in Nevada.

Whichever method you choose, make darn sure you compare identical coverage limits and deductibles on every quote you get. If you are comparing mixed coverages it will be next to impossible to truly determine the lowest rate.

Discounts are available to cut your rates

Companies don’t list all available discounts very well, so we break down some of the best known as well as the least known discounts you could be receiving. If you don’t get every credit available, you are throwing money away.

  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you may earn approximately 10% to 15%.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • College Student – Youth drivers who live away from home without a vehicle on campus may qualify for this discount.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Accident Free – Drivers with accident-free driving histories can save substantially when compared to frequent claim filers.
  • Multiple Vehicles – Having multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Early Signing – A few companies offer discounts for buying a policy before your current expiration date. This can save 10% or more.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford can qualify you for discounted rates on garaged vehicles.

Consumers should know that some credits don’t apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way.

To choose providers with the best car insurance discounts in Nevada, click here to view.

Ford F150 Pickup rate determination is complex

Smart consumers have a good feel for the different types of things that play a part in calculating the price you pay for car insurance. Understanding what influences your rates empowers consumers to make smart changes that may reward you with lower car insurance prices.

  • Add-on coverages can add up – There are quite a few extra coverages that can waste your money if you aren’t careful. Insurance for rental car reimbursement, accident forgiveness and membership fees may be wasting your money. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Discounts for married couples – Getting married helps lower the price on your car insurance policy. Having a significant other translates into being more mature it has been statistically shown that being married results in fewer claims.
  • Younger drivers pay higher rates – Young drivers in Nevada have a tendency to be less responsible behind the wheel so car insurance rates are higher. If you’ve ever had to add a teenage driver to your car insurance policy can break the bank. Older drivers tend to be more responsible, tend to file fewer claims and get fewer tickets.
  • One company can mean more discounts – Some companies will give a discount to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible.
  • Women pay lower rates – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. They both have accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations such as reckless driving.
  • Clean credit earns discounts – Credit score is a huge factor in determining your rates. Drivers with high credit ratings tend to file fewer claims and have better driving records than those with lower ratings. If your credit is low, you could potentially save money when insuring your Ford F150 Pickup by repairing your credit.
  • Increase deductibles and save – The deductibles define the amount you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of claims that would be covered could be running into the backend of another car, damage from fire, and burglary. The more money the insured has to pay upfront, the less your car insurance will be for F150 pickup coverage.
  • High numbers of claims are not good – Auto insurance companies in Nevada generally give cheaper rates to policyholders who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is designed for the large, substantial claims.

Your local neighborhood insurance agent

Certain consumers would prefer to get advice from a local agent. Good agents can help determine the best coverages and give you someone to call. One of the best bonuses of getting online price quotes is you may find lower rates and still choose a local agent.

By using this quick form, your coverage information is instantly submitted to insurance agents who will compete to get your business. You won’t need to drive around due to the fact that quote results will go straight to your inbox. How’s that for easy!

Deciding on an provider needs to be determined by more than just the premium amount. Ask your prospective agent these questions:

  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Are you getting all the discounts the company offers?
  • Do they specialize in personal lines coverage?
  • Is their price quote a firm figure or are their hidden costs?
  • What insurance company do they write the most business with?
  • Does the agency have a good rating with the Better Business Bureau?

Compare rates from both independent and captive auto insurance agents

When looking for a reputable insurance agent or broker, you must know there are a couple different agency structures from which to choose. Insurance agencies in Nevada are either captive or independent. Both types can do a good job, but it’s important to know the differences because it can influence the type of agent you choose

Captive Insurance Agents

Captive insurance agents write business for a single company such as Farmers Insurance, American Family, State Farm and Allstate. Captives cannot compare other company’s rates so they are skilled at selling on more than just price. Captives receive extensive training in insurance sales which helps them compete with independent agents.

Independent Agents (or Brokers)

Independent agents do not work for one specific company but rather can write business with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to find a new agent.

When searching for an agent, it’s a good idea to contact multiple independent agents to have the most options to choose from.

To view a complete directory of insurance agents in Nevada, click here.

Once you have good answers to any questions you have and an affordable coverage quote, you may have just found an insurance agent that can insure your vehicles.

More tips and info about car insurance can be read at the Nevada Division of Insurance website. Nevada consumers can read enforcement actions against agents and companies, file complaints about a company, view a list of available companies, and learn about specific coverages.

More related Nevada car insurance information:

How can GEICO, State Farm and Progressive save drivers who switch?

Nevada drivers can’t ignore all the ads for car insurance savings by GEICO, State Farm and Progressive. They all make the same claim that you’ll save big if you move to their company.

find Ford F150 Pickup insurance

How can each company say the same thing? This is how they do it.

All companies have a preferred profile for the type of driver they prefer to insure. For example, a driver they prefer might be profiled as a mature driver, is a homeowner, and has excellent credit. Any new insured that hits that “sweet spot” receives the best rates and most likely will pay quite a bit less when switching companies.

Potential customers who don’t measure up to the “perfect” profile will have to pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” not “everyone that quotes” save that much money. This is how insurance companies can advertise the way they do. Because of the profiling, you absolutely need to quote coverage with many companies. It is impossible to predict which car insurance company will provide you with the cheapest rates.

A tidy conclusion

In this article, we covered some good ideas how you can lower your Ford F150 Pickup insurance rates. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest priced car insurance comes from some of the smallest insurance companies. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Allstate, GEICO and Progressive.

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. The aim is to buy the best coverage you can find at the best price.