How many times have you said it's time to compare more competitive Ford F-150 insurance in Henderson? Perplexed by the crazy number of auto insurance sources in your area? You have such a large number of options that it can quickly become a real hassle to find the perfect company for you. Lots of people think Henderson has many things to offer, but finding the money to pay for auto insurance can make it nearly impossible for many drivers to afford enough coverage.
It's astonishing, but nearly 70% of consumers have stayed with the same insurance company for over three years, and virtually 40% of consumers have never shopped around. Most drivers in Nevada can cut their rates by 35% a year just by shopping around, but they don't know the actual amount they would save if they replace their high priced policy.
It's smart to do rate comparisons before your next renewal because auto insurance rates change regularly. Even if you think you had the best rate on Ford F-150 insurance in Henderson a couple years back there is a good chance you can find better prices now. You'll find a ton of advice on F-150 insurance on the internet, but I'm going to show you some guaranteed methods to find affordable auto insurance in Henderson.
Quoting the lowest-priced protection in Henderson is actually quite simple. In essence, each driver who buys car insurance will be able to find lower rates. But Nevada drivers do need to learn how the larger insurance companies calculate your policy premium and use it to find better rates.
Insurance Cost Influencing Factors
Smart consumers have a good feel for a few of the rating criteria that aid in calculating your premiums. If you know what determines premiums, this allows you to make good choices that may reward you with lower insurance prices. Many things are part of the calculation when you get your auto insurance bill. A few of the factors are predictable like your driving record, but other factors are not quite as obvious such as whether you are married or how financially stable you are.
Careless drivers pay higher rates - Your driving record can have a huge impact on auto insurance premiums. Drivers who don't get tickets get better rates than people who have multiple driving citations. Just one driving citation can boost insurance rates to the point where it's not affordable. Drivers who have gotten dangerous violations like DWI, reckless driving or hit and run convictions may find that they have to to maintain a SR-22 with their state in order to prevent their license from being revoked.
Prices can be impacted by your employer - Careers such as fire fighters, police officers, and accountants tend to have higher average rates in part from job stress and lots of time spent at work. On the other hand, professions such as farmers, students and performers receive lower rates.
Premiums are lower the older you get - Beginning drivers in Nevada are proven to be inattentive and easily distracted behind the wheel and because of this, their insurance rates are much higher. Older drivers are more responsible, file fewer claims, and get fewer tickets.
The more you drive the more you pay - The higher the miles on your Ford each year the higher the price you pay to insure it. Many insurance companies calculate prices determined by how the vehicle is used. Autos that do not get driven very much qualify for better rates compared to those used for work or business. Verify your insurance policy correctly shows how each vehicle is driven, because it can save money. Incorrect rating for your F-150 is just wasting money.
Claims statistics for a Ford F-150 - Insurance companies factor in historical loss data to help set a rate to offset losses. Vehicles that are shown to have a higher amount or frequency of claims will have higher rates for specific coverages.
The table below demonstrates the compiled insurance loss statistics for Ford F-150 vehicles. For each insurance policy coverage type, the claim amount for all vehicles as a whole is set at 100. Values under 100 indicate a favorable loss history, while numbers shown that are more than 100 indicate higher probability of having a loss or a tendency for claims to be larger.
Insurance Loss Ratings for Ford F-150 Vehicles
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Ford F-150 SuperCab 4WD||67||110||39|
|Ford F-150 SuperCrew 2WD||42||93||72|
|Ford F-150 SuperCrew 4WD||75||76||101||56||57||76|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Low cost Ford F-150 insurance prices in Henderson
Most larger insurance companies allow you to get prices for coverage directly from their websites. Getting Ford F-150 insurance prices online is easy for anyone as you just enter the coverage amounts you desire into a form. Once you submit the form, the system requests your driving record and credit report and returns a price based on the information you submitted.
Getting online rates for Ford F-150 insurance in Henderson makes it a lot easier to compare rates and it's also necessary to get many rate quotes if you are searching for cheaper prices.
If you want to use this form to compare rates, check out the auto insurance providers below. To compare your current rates, we recommend you duplicate coverages and limits as close as possible to your current policy. Doing this assures you will be getting a rate comparison for exact coverage.
The following companies offer price quotes in Henderson, NV. If multiple companies are shown, we suggest you visit two to three different companies in order to find the most competitive rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$110||$160||$348||$20||$104||$742||$62|
|F-150 STX Regular Cab 2WD||$130||$220||$290||$18||$86||$744||$62|
|F-150 XL Super Cab 2WD||$126||$238||$372||$22||$112||$870||$73|
|F-150 XLT Regular Cab 2WD||$198||$386||$348||$20||$104||$1,056||$88|
|F-150 STX Super Cab 2WD||$264||$394||$404||$24||$120||$1,206||$101|
|F-150 XL Crew Cab 2WD||$114||$176||$296||$18||$88||$692||$58|
|F-150 XLT Super Cab 2WD||$204||$324||$324||$20||$96||$968||$81|
|F-150 STX Regular Cab 4WD||$126||$204||$348||$20||$104||$802||$67|
|F-150 XL Regular Cab 4WD||$134||$190||$318||$18||$96||$756||$63|
|F-150 FX2 Super Cab 2WD||$194||$266||$308||$18||$92||$878||$73|
|F-150 XLT Crew Cab 2WD||$190||$306||$372||$22||$112||$1,002||$84|
|F-150 XL Super Cab 4WD||$150||$226||$296||$18||$88||$778||$65|
|F-150 XLT Regular Cab 4WD||$176||$244||$318||$18||$96||$852||$71|
|F-150 XL Crew Cab 4WD||$232||$340||$348||$20||$104||$1,044||$87|
|F-150 STX Super Cab 4WD||$258||$372||$400||$24||$120||$1,174||$98|
|F-150 XLT Super Cab 4WD||$242||$328||$416||$24||$124||$1,134||$95|
|F-150 FX2 2WD||$264||$462||$372||$22||$112||$1,232||$103|
|F-150 Lariat Super Cab 2WD||$232||$394||$324||$20||$96||$1,066||$89|
|F-150 Lariat Crew Cab 2WD||$166||$252||$308||$18||$92||$836||$70|
|F-150 FX4 Super Cab 4WD||$342||$478||$404||$24||$120||$1,368||$114|
|F-150 XLT Crew Cab 4WD||$234||$408||$296||$18||$88||$1,044||$87|
|F-150 FX4 4WD||$232||$394||$324||$20||$96||$1,066||$89|
|F-150 Lariat Crew Cab 4WD||$272||$440||$318||$18||$96||$1,144||$95|
|F-150 SVT Raptor Super Cab 4WD||$268||$402||$308||$18||$92||$1,088||$91|
|F-150 Lariat Super Cab 4WD||$142||$248||$348||$20||$104||$862||$72|
|F-150 Lariat Crew Cab Platinum 2WD||$210||$430||$400||$24||$120||$1,184||$99|
|F-150 Lariat Crew Cab Harley 2WD||$184||$366||$416||$24||$124||$1,114||$93|
|F-150 Lariat King Ranch 2WD||$152||$274||$318||$18||$96||$858||$72|
|F-150 Lariat King Ranch 4WD||$234||$430||$400||$24||$120||$1,208||$101|
|F-150 Lariat Crew Cab Harley 4WD||$294||$544||$372||$22||$112||$1,344||$112|
|F-150 Lariat Crew Cab Platinum 4WD||$288||$534||$400||$24||$120||$1,366||$114|
|Get Your Own Custom Quote Go|
Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in specific Henderson garaging location which can impact coverage prices noticeably.
Rate difference between full and liability-only coverage
The chart below visualizes the comparison of Ford F-150 car insurance costs with full coverage compared to only the Nevada minimum liability coverage. The prices are based on no claims or violations, $250 deductibles, single female driver, and no discounts are applied.
When to stop buying full coverage
There is no written rule that works best for making the decision to drop full coverage, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let's say your Ford F-150 claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after the policy deductible has been paid. If premiums are more than $600 annually for physical damage coverage, then you may need to consider dropping full coverage.
There are a few cases where only buying liability is not in your best interest. If you still have a loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not buy liability only.
How high should deductibles be?
The illustration below demonstrates how choosing different deductibles and can influence Ford F-150 insurance premiums for different ages of insureds. The costs are based on a single female driver, comp and collision included, and no discounts are applied.
Why you need quality insurance for your F-150
Despite the potentially high cost of Ford F-150 insurance, maintaining insurance is most likely required but also gives you several important benefits.
First, just about all states have compulsory liability insurance requirements which means state laws require specific minimum amounts of liability insurance coverage in order to be legal. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your vehicle, more than likely the lender will require you to buy insurance to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender may insure your Ford at an extremely high rate and require you to fork over much more than you were paying before.
Third, insurance protects your vehicle and your assets. It will also provide coverage for medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the repair costs.
The benefits of having car insurance outweigh the cost, especially if you ever need it. Despite what companies tell you, the average driver is overpaying over $855 a year so compare rate quotes at every renewal to ensure rates are competitive.
Ford F-150 insurance discounts in Henderson
Some providers don't always advertise the entire discount list very well, so we researched some of the best known as well as the least known discounts you could be receiving when you buy Henderson auto insurance online. If you aren't receiving every discount you qualify for, you are just wasting money.
- Anti-theft Discount - Cars with anti-theft systems help deter theft and therefore earn up to a 10% discount.
- Telematics Devices - Policyholders that allow data collection to analyze driving patterns by installing a telematics device such as Allstate's Drivewise and State Farm's In-Drive system may see discounts if they exhibit good driving behavior.
- Memberships - Belonging to a civic or occupational organization in Henderson could qualify you for a break on your next renewal.
- Fewer Miles Equal More Savings - Low annual miles can qualify you for lower rates due to less chance of an accident.
- Include Life Insurance and Save - If the company offers life insurance, you could get a discount if you purchase life insurance from them.
- Active Military Service - Having a family member in the military could be rewarded with lower rates.
- Defensive Driver Discounts - Participating in a class that teaches safe driver techniques could possibly earn you a 5% discount if your company offers it.
- Pay Upfront and Save - By paying your policy upfront instead of paying each month you can avoid the installment charge.
- Use Seat Belts - Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off PIP or medical payments premium.
- Switch and Save Discount - Some companies provide a discount for switching policies before your current F-150 insurance policy expires. This discount can save up to 10%.
A little note about advertised discounts, some credits don't apply to all coverage premiums. Most only reduce specific coverage prices like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, it just doesn't work that way.
Some companies that possibly offer these benefits include:
Before purchasing a policy, check with all companies you are considering the best way to save money. Some of the discounts discussed earlier may not be available in Henderson. For a list of providers who offer online Ford F-150 insurance quotes in Henderson, follow this link.
Are car insurance agents obsolete?
A small number of people just prefer to talk to a local agent and that is just fine! The best thing about getting free rate quotes online is that you can obtain cheap rate quotes and still have an agent to talk to. Supporting small agencies is especially important in Henderson.
After completing this quick form, your insurance data is submitted to insurance agents in Henderson who will give you quotes for your car insurance coverage. You don't have to find an agent on your own because prices are sent to you directly. Get lower rates AND a local agent. If for some reason you want to get a price quote for a specific company, just visit that company's website and submit a quote form there.
Henderson car insurance agents are either independent or exclusive
When researching a local agent, it's helpful to know the types of insurance agents that differ in how they can insure your vehicles. Agents may be either independent agents or exclusive agents depending on their employer.
Independent Car Insurance Agencies or Brokers
Independent insurance agents are not locked into one company and that is an advantage because they can write policies with an assortment of companies and get the cheapest rates. If they find a cheaper price, they simply move the coverage in-house and the insured can keep the same agent.
If you are comparing car insurance prices, we recommend you compare quotes from multiple independent agents so that you can do a thorough price comparison. Most also write with smaller companies who may have lower rates.
Shown below is a partial list of independent agencies in Henderson that may be able to give free car insurance rate quotes.
- Avenue Insurance Agency
1258 Rising Cloud Cir - Henderson, NV 89052 - (702) 933-3289 - View Map
- Balsiger Insurance
3481 E Sunset Rd #100 - Las Vegas, NV 89120 - (702) 220-8640 - View Map
- High Desert Insurance Agency
140 E Horizon Dr - Henderson, NV 89015 - (702) 558-8587 - View Map
Exclusive agencies are contracted to one company such as Farmers Insurance and State Farm. Exclusive agencies are unable to shop your coverage around so they have to upsell other benefits. Exclusive agencies are usually well trained on their company's products and that allows them to sell at a higher price point. Consumers frequently buy from the same agent for years partially due to the brand instead of buying on price only.
Below are exclusive agencies in Henderson who can help you get rate quotes.
- J.J. Tucker - State Farm Insurance Agent
10890 S Eastern Ave #115 - Henderson, NV 89052 - (702) 616-1000 - View Map
- Sam King - State Farm Insurance Agent
2253 N Green Valley Pkwy - Henderson, NV 89014 - (702) 435-0222 - View Map
- Farmers Insurance - Steven Schiebel
1590 W Horizon Ridge Pkwy #120 - Henderson, NV 89012 - (702) 451-4565 - View Map
Choosing an insurance agent is decision based upon more than just a cheap price. Any agent in Henderson should be forthright in answering these questions:
- Does the agency have a good rating with the Better Business Bureau?
- Who is covered by the car insurance policy?
- How are they compensated?
- Will a damage claim use OEM or aftermarket replacement parts?
- How long have they been in business?
After receiving good answers for all questions you ask and a good coverage price, you may have found an auto insurance agent that is reliable enough to service your policy. Just understand that consumers can cancel your coverage whenever you wish so don't think that you are obligated to any specific agency for any length of time.
Persistence is the key to cheaper rates
People who switch companies do it for a number of reasons such as poor customer service, high prices, being labeled a high risk driver and even delays in paying claims. It doesn't matter what your reason, finding a great new company is not as hard as you think.
Low-cost Ford F-150 insurance in Henderson can be bought on the web in addition to local insurance agencies, and you should compare rates from both to have the best selection. Some insurance companies do not provide internet price quotes and most of the time these smaller providers only sell coverage through independent agents.
We just presented many ideas to get a better price on Ford F-150 insurance in Henderson. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest rates come from the least-expected company.
Helpful learning opportunities
- Think You're a Safe Driver? (State Farm)
- What Car Insurance is Cheapest in Spanish Springs, Nevada? (FAQ)
- Which Company has the Cheapest Car Insurance in Boulder City, NV? (FAQ)
- Which Company has the Cheapest Car Insurance in Henderson, NV? (FAQ)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Understanding Car Crashes Video (iihs.org)
- Booster Seat Ratings (iihs.org)