Do you want to learn how to find low-cost Ford F-150 insurance in Reno? There isn't a single person who looks forward to paying premiums for car insurance, especially when they are paying too much.
It's astonishing, but over 70% of drivers renewed their policy with the same company for over three years, and virtually 40% of consumers have never compared rates with other companies. With the average premium in Nevada being $1,621, drivers can save hundreds of dollars each year by just comparing rate quotes, but they think it's difficult to find affordable rates by getting comparison quotes. Companies like Allstate, Liberty Mutual and State Farm continually hit you with ads and it is challenging if not impossible to see past the geckos and flying pigs and take the time to shop coverage around.
It's a great practice to shop coverage around occasionally since prices are constantly changing. Just because you found the lowest rates on Ford F-150 insurance in Reno a couple years back you will most likely find a better rate quote today. You can find a lot of wrong information about F-150 insurance online, but I'm going to show you some of the best techniques to quit paying high car insurance rates in Reno.
Cheaper Ford F-150 insurance in Reno
Companies offering auto insurance don't necessarily list their entire list of discounts in an easy-to-find place, so the following list contains some of the best known as well as the least known ways to save on car insurance. If you do not check that you are getting every discount possible, you are just wasting money.
- Bundled Policy Discount - When you combine your home and auto insurance and insure them with the same company they may give you a discount of at least 10 to 15 percent or more.
- Defensive Driver - Successfully completing a class that teaches defensive driving techniques can save you 5% or more and easily recoup the cost of the course.
- Discounts for Seat Belt Usage - Forcing all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- No Claims - Drivers with accident-free driving histories pay much less in comparison with accident-prone drivers.
- More Vehicles More Savings - Drivers who insure multiple vehicles on one policy qualifies for this discount.
- New Vehicle Savings - Buying insurance on a new vehicle is cheaper since new vehicles are generally safer.
- Theft Deterrent - Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency and will save you 10% or more on F-150 insurance in Reno.
Discounts save money, but please remember that some credits don't apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears it's possible to get free car insurance, nobody gets a free ride.
Larger car insurance companies and their offered discounts are shown below.
- State Farm offers premium reductions for Drive Safe & Save, anti-theft, student away at school, passive restraint, multiple policy, and accident-free.
- GEICO offers discounts for military active duty, anti-lock brakes, multi-vehicle, federal employee, emergency military deployment, and daytime running lights.
- Liberty Mutual has savings for teen driver discount, newly married, newly retired, preferred payment discount, and multi-policy.
- The Hartford includes discounts for driver training, vehicle fuel type, defensive driver, anti-theft, and bundle.
- MetLife may have discounts that include accident-free, defensive driver, good student, multi-policy, claim-free, and good driver.
- Progressive has discounts for multi-policy, online signing, homeowner, good student, continuous coverage, online quote discount, and multi-vehicle.
Before you buy a policy, ask all companies you are considering to apply every possible discount. Some credits may not be offered in Reno. To see car insurance companies that can offer you the previously mentioned discounts in Nevada, click here to view.
Finding cheap auto insurance quotes can be quick and easy. Drivers just need to take the time comparing free Reno auto insurance quotes from online providers.
Getting free quotes online is quite simple, and it makes it a waste of time to actually drive to and from local insurance agencies. Quoting Ford F-150 insurance online makes this unnecessary unless you want the trained advice of a local agent. It is possible with some companies find lower rates online but have your policy serviced through an agent.
The following companies offer comparison quotes in Reno, NV. If the list has multiple companies, it's highly recommended you get rates from several of them in order to find the cheapest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$200||$292||$400||$24||$120||$1,036||$86|
|F-150 STX Regular Cab 2WD||$178||$324||$324||$20||$96||$942||$79|
|F-150 XL Super Cab 2WD||$130||$220||$290||$18||$86||$744||$62|
|F-150 XLT Regular Cab 2WD||$166||$306||$372||$22||$112||$978||$82|
|F-150 STX Super Cab 2WD||$178||$326||$290||$18||$86||$898||$75|
|F-150 XL Crew Cab 2WD||$238||$330||$308||$18||$92||$986||$82|
|F-150 XLT Super Cab 2WD||$228||$372||$400||$24||$120||$1,144||$95|
|F-150 STX Regular Cab 4WD||$166||$274||$348||$20||$104||$912||$76|
|F-150 XL Regular Cab 4WD||$228||$372||$400||$24||$120||$1,144||$95|
|F-150 FX2 Super Cab 2WD||$114||$176||$296||$18||$88||$692||$58|
|F-150 XLT Crew Cab 2WD||$150||$220||$290||$18||$86||$764||$64|
|F-150 XL Super Cab 4WD||$144||$238||$372||$22||$112||$888||$74|
|F-150 XLT Regular Cab 4WD||$302||$394||$404||$24||$120||$1,244||$104|
|F-150 XL Crew Cab 4WD||$188||$260||$348||$20||$104||$920||$77|
|F-150 STX Super Cab 4WD||$210||$300||$400||$24||$120||$1,054||$88|
|F-150 XLT Super Cab 4WD||$268||$330||$308||$18||$92||$1,016||$85|
|F-150 FX2 2WD||$198||$298||$318||$18||$96||$928||$77|
|F-150 Lariat Super Cab 2WD||$188||$318||$348||$20||$104||$978||$82|
|F-150 Lariat Crew Cab 2WD||$210||$366||$400||$24||$120||$1,120||$93|
|F-150 FX4 Super Cab 4WD||$142||$260||$348||$20||$104||$874||$73|
|F-150 XLT Crew Cab 4WD||$152||$232||$318||$18||$96||$816||$68|
|F-150 FX4 4WD||$162||$290||$372||$22||$112||$958||$80|
|F-150 Lariat Crew Cab 4WD||$190||$252||$404||$24||$120||$990||$83|
|F-150 SVT Raptor Super Cab 4WD||$264||$462||$372||$22||$112||$1,232||$103|
|F-150 Lariat Super Cab 4WD||$218||$324||$308||$18||$92||$960||$80|
|F-150 Lariat Crew Cab Platinum 2WD||$184||$366||$416||$24||$124||$1,114||$93|
|F-150 Lariat Crew Cab Harley 2WD||$244||$434||$318||$18||$96||$1,110||$93|
|F-150 Lariat King Ranch 2WD||$130||$252||$296||$18||$88||$784||$65|
|F-150 Lariat King Ranch 4WD||$182||$342||$372||$22||$112||$1,030||$86|
|F-150 Lariat Crew Cab Harley 4WD||$290||$464||$314||$18||$94||$1,180||$98|
|F-150 Lariat Crew Cab Platinum 4WD||$182||$342||$372||$22||$112||$1,030||$86|
|Get Your Own Custom Quote Go|
Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium amounts do not factor in specific location information which can influence price quotes considerably.
Rate comparison of males versus females
The information below visualizes the comparison of Ford F-150 auto insurance rates for male and female drivers. The data is based on a clean driving record, no claims, full physical damage coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.
Insurance rate increases from tickets or accidents
The example below illustrates how speeding tickets and at-fault accidents raise Ford F-150 yearly insurance costs for each age group. The data is based on a married female driver, full coverage, $100 deductibles, and no discounts are taken into consideration.
Physical damage deductibles
The chart below shows how different deductible levels and can raise or lower Ford F-150 insurance costs for each age group. The prices are based on a single female driver, comp and collision included, and no discounts are factored in.
Why Informed Drivers Pay Less for Ford F-150 Insurance
The best way to find cheaper car insurance is to take a look at the rating factors that aid in calculating your premiums. If you have some idea of what determines premiums, this helps enable you to make changes that can help you get big savings. Many different elements are used in the calculation when you get a price on insurance. Some are obvious such as your driving history, but other criteria are less apparent like your continuous coverage or how financially stable you are.
Listed below are some of the factors used by your company to calculate premiums.
Save by driving less - Driving more miles each year the more it will cost to insure it. Most insurance companies charge to insure your cars based upon how you use the vehicle. Autos used primarily for pleasure use qualify for better rates than vehicles that have high annual mileage. Improper usage on your F-150 may be wasting your money. Ask your agent if your policy shows the proper vehicle usage, because improper ratings can cost you money.
More performance means more cost - The make and model of the car, truck or SUV you are trying to find cheaper insurance for makes a huge difference in your auto insurance rates. The best insurance prices are usually found on the lowest performance passenger models, but that's not the only thing that factors into the final price. Due to the fact that the Ford F-150 falls in the pickup truck class, rates will be similar in price than the average rate where you live in Reno.
Rental and towing coverage may not be needed - Insurance companies have many add-on coverages that sound like a good idea at the time if you aren't diligent. Coverage for things like replacement cost coverage, accident forgiveness, and additional equipment coverage are probably not needed. They may seem good when discussing your needs, but if you've never needed them in the past remove them and pocket the money.
Being married is a good thing - Getting married actually saves money on your car insurance policy. Marriage usually means you are more responsible and insurance companies like that married drivers get in fewer accidents.
Where you call home plays a part - Being located in smaller towns and rural areas of the country may provide you with better prices when insuring your vehicles. City drivers have congested traffic and more severe claims. Fewer drivers translates into fewer accidents in addition to lower liability claims
Ford F-150 insurance claim data - Companies use past insurance losses when determining insurance rates. Models that are shown to have higher claim amounts or frequency will cost more for coverage. The table shown below demonstrates the loss history for Ford F-150 vehicles.
For each coverage type, the claim probability for all vehiclescombined as an average is equal to 100. Numbers below 100 suggest a better than average loss history, while values over 100 indicate more frequent claims or tendancy to have higher losses.
Insurance Loss Ratings for Ford F-150 Vehicles
|Specific Ford 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
Compare rate quotes but still have a local Reno insurance agent
Many drivers just want to sit down and talk to an agent and that can be a great decision Professional insurance agents are trained risk managers and help you file claims. The best thing about comparing rate quotes online is that drivers can save money and get the lowest rates and still have an agent to talk to. Buying from and supporting small agencies is still important in Reno.
Upon completion of this simple form, your information is sent to companies in Reno that can provide free Reno auto insurance quotes for your coverage. You won't even need to search for any insurance agencies because quoted prices will be sent immediately to you. In the event you want to get a rate quote from a specific company, you just need to find their quoting web page and fill out their quote form.
Listed below are agents in Reno who can help you get price quote information for Ford F-150 insurance in Reno.
Deciding on an insurer requires you to look at more than just the quoted price. These are some questions you should get answers to.
- How often do they review coverages?
- Is every driver in your family covered?
- Does the company allow you to choose your own collision repair facility?
- If your car is in the repair shop, do you have coverage for a rental car?
- Does the agent help file claims?
After receiving satisfactory answers to your questions as well as offering an affordable quote, you have narrowed it down to a company that is reliable enough to insure your vehicles. Just be aware that policyholders can cancel coverage whenever you want so don't assume that you are permanently stuck with any specific agency for a certain time period.
Insuring your Ford vehicle just makes sense
Even though it can be expensive, buying auto insurance is most likely required but also gives you several important benefits.
First, most states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability if you drive a vehicle. 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 took out a loan on your Ford F-150, almost every bank will make it mandatory that you buy full coverage to ensure they get paid if you total the vehicle. If you default on your policy, the lender may insure your Ford for a lot more money and require you to fork over for the expensive policy.
Third, insurance safeguards your Ford and your assets. Insurance will pay for medical bills for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance greatly outweigh the cost, specifically if you ever have a liability claim. An average driver in America is overpaying over $865 each year so compare quotes from several companies each time the policy renews to be sure current rates are still competitive.
You can lower your auto insurance rates
Some insurance companies do not provide the ability to get quotes online and usually these smaller providers only sell through independent insurance agencies. Cheap Ford F-150 insurance in Reno can be bought on the web in addition to many Reno insurance agents, so compare prices from both in order to have the best price selection to choose from.
As you prepare to switch companies, it's very important that you do not skimp on critical coverages to save a buck or two. In many cases, someone dropped liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.
You just read some good ideas how to reduce Ford F-150 insurance premium rates online in Reno. The key concept to understand is the more you quote Reno auto insurance, the more likely it is that you will get a better rate. You may even discover the lowest priced auto insurance comes from some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.