Best Cheap Insurance for a Ford F-150 in Nebraska

The odds of finding cheaper car insurance for a Ford F-150 in Nebraska is dependent upon a very complex rating algorithm that uses multiple factors like whether or not you are married, if you are currently insured, and if you have a clean driving record. Drivers in Nebraska pay around $800 per year for F-150 insurance, but that rate is an approximation calculated based on a 50-year-old single male with full physical damage coverage and $1,000 policy deductibles.

Chances are good that you may not be 50 years old (or even male), possibly married instead of single, or maybe you are just looking for cheap liability insurance. Auto insurance is unique to every driver, so the most reliable way to find cheap insurance rates for your Ford is to get into the habit of comparing rates once a year. Quotes are free and easy and you can get rates from the cheapest companies in Nebraska.

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The trim level of your Ford will be a contributing factor to price, so the price you pay to insure a F-150 XL Regular Cab 2WD will cost $182 less than the price to insure the more expensive F-150 Lariat Crew Cab Platinum 4WD trim level, as shown by the rates below.

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium costs do not factor in vehicle garaging location which can affect rates greatly.

Best insurance in Nebraska

Buying coverage from a high-quality car insurance provider can be challenging considering how many choices you have in Nebraska. The information displayed below may help you choose which coverage providers you want to consider putting your business with.

The rankings below are for insurance companies that insure vehicles in the majority of U.S. states, so companies that have a smaller presence will not be included in these rankings. To compare prices from these top-rated insurers and more, follow this link.

The chart below shows how choosing a deductible can impact yearly insurance costs when searching for cheap insurance for a Ford F-150. The data assumes a married male driver, full physical damage coverage, and no discounts are taken into consideration.

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In the chart above, a 30-year-old driver could cut expenses by $242 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $368 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could reduce their rates as much as $720 each year by using higher deductibles when buying full coverage.

If you do raise deductibles, it will now be necessary to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Should you buy full coverage?

Finding the best cheap insurance for a Ford F-150 in Nebraska is important to most drivers, and one good way to pay less for insurance is to only buy liability coverage. The chart below illustrates the comparison of auto insurance rates with and without physical damage coverage. The rates are based on a clean driving record, no claims, $250 deductibles, single marital status, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 3243,1067],[‘Age 30’, 1713,589],[‘Age 40’, 1683,545],[‘Age 50’, 1531,511],[‘Age 60’, 1481,503],[‘Age 70’, 1789,669]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150 in Nebraska’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If we average all the age groups together, physical damage coverage costs $1,907 per year more than just buying liability only. That touches on the question if paying for full coverage is a waste of money. There is no definitive formula to stop paying for physical damage coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s say your vehicle’s claim settlement value is $8,500 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,500 after paying your deductible. If it’s costing you more than $750 a year for full coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where eliminating full coverage is not recommended. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not buy liability only.

Does Progressive, Allstate, State Farm, or Geico have the cheapest car insurance?

When buying insurance for a F-150 pickup in Nebraska, four companies you’ll want quotes from are Progressive, Allstate, State Farm, and Geico. If you combine them together, they insure over 45% of all policies written. The next table breaks down some of the different features that policyholders can buy.