Who Has Cheap Insurance Quotes for a Ford F-150 in Nevada?

Our content editors always give us grief that when writing about car insurance, the words “cheap” or “affordable” should not appear anywhere in the article. It’s just a fact that cheap auto insurance for a Ford F-150 is not easy to find. But don’t despair, because we are going to tell you how you can still get car insurance that won’t break the bank.

Whether or not you can find cheap car insurance for a Ford F-150 in Nevada is contingent on a lot of rating factors such as the number of years you have been driving, whether or not you have prior claims, and any driving offenses on your record. Drivers in Nevada pay on average $1,120 a year for F-150 insurance, but that is that uses rate data for a 50-year-old single female driver who purchased full coverage including both comprehensive and collision and $100 physical damage deductibles.

There is a high likelihood that you are not 50 years old and maybe not even female, married instead of single, and you want different coverage limits than the example. Making minor changes in the factors used to determine rates can cause significant differences in rates.

There is no perfect policy for every driver, so the most reliable method for finding cheap car insurance rates for your Ford is to take your time and compare rates from as many companies as possible.

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Your Ford’s trim level has an effect on the cost of insurance, so the price you will be charged to insure a F-150 XL Regular Cab 2WD trim level will be $340 cheaper than the insurance cost for the high end F-150 Lariat Crew Cab Platinum 4WD trim level, as shown in the chart below.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price information does not factor in garaging location in Nevada which can increase or decrease auto insurance rates significantly.

Buying coverage from the top company can be difficult considering how many companies are available to choose from in Nevada. The company ratings shown below can help you decide which coverage providers you want to consider shopping your coverage with.

These ratings are for companies that insure vehicles across America, so companies that only write business in Nevada or surrounding areas are not taken into consideration for these rankings. To compare price quotes from these companies and more, simply click here.

Top 10 Major Auto Insurance Providers Overall in Nevada

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Mercury Insurance

Top Companies for Ford F-150 Insurance in Nevada

Discounts on cheap insurance for a Ford F-150 in Nevada

Car insurance companies that offer cheap quotes for a Ford F-150 could also offer price discounts that may potentially lower prices by as much as 25% or more if you qualify for them. Larger auto insurance companies and some of the premium reductions they offer are outlined below.

• GEICO discounts include anti-theft, anti-lock brakes, air bags, good student, driver training, and membership and employees.
• MetLife offers discounts including accident-free, claim-free, good driver, defensive driver, good student, multi-policy
• State Farm may have discounts that include good student, multiple policy, good driver, accident-free, driver’s education, Drive Safe & Save, and defensive driving training.
• Progressive offers premium reductions for good student, online quote discount, multi-vehicle, continuous coverage, online signing, homeowner, and multi-policy.
• Mercury Insurance includes discounts for age of vehicle, good student, multi-policy, ease of repair, and annual mileage.
• 21st Century may include discounts for teen driver, theft prevention, air bags, good student, defensive driver, and anti-lock brakes.
• Allstate offers discounts for passive restraint, premier discount, anti-theft, utility vehicle, and economy car.

The example below compares insurance costs with and without policy discounts. Data assumes a male driver, no claims or violations, Nevada state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with anti-theft, claim-free, homeowner, marriage, safe-driver, and accident-free discounts applied. With discounts applied, the the amount saved on auto insurance for a Ford F-150 is 28% or $447.

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Full coverage rates vs. liability-only

Finding cheap insurance for a Ford F-150 in Nevada is probably important to the majority of vehicle owners, and a great way to pay lower rates for insurance is to not pay for full coverage. The example below illustrates the comparison of annual premium costs with liability coverage only compared to full coverage. The information is based on no driving violations, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are taken into consideration.

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If averaged out across all ages, full coverage on your policy costs an extra $1,750 per year more than just insuring for liability. Many people question if you should buy full coverage at all. There isn’t a steadfast formula of when to phase out physical damage coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s say your vehicle’s claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If you are paying in excess of $600 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

Find cheap insurance for a Ford F-150 in Nevada

Lowering your rates is not difficult, and here are some of the better penny-pinching ideas that can help drivers find cheaper coverage.

• Bundle home and auto and save
• Drivers with good credit often pay less
• Try paying for small claims out-of-pocket
• Increase the comprehensive and collision deductibles on your policy
• Being accident-free can lower rates significantly
• Avoid getting citations and tickets
• Compare rates and switch if you can find a better deal

The last suggestion is incredibly vital, as we discussed in the prior article. Prices charged by companies can be adjusted at any time, so you should be ready to change to a new company if you find a better deal.

Sticking with a specific company is fine, but it’s not a good idea if that loyalty ends up costing a lot of money every month. Take a couple minutes and compare prices and find cheaper auto insurance for a Ford F-150.

Which car insurance company is best?

If you want reliable insurance for a F-150 pickup in Nevada, the first places to look would be Geico, Allstate, Progressive, and State Farm. Combined they make up about 50% of the entire U.S. car insurance market. All offer your standard physical damage and liability coverages, but each one has slightly different coverages and options that may influence your choice. The table below illustrates ratings for price and service, as well as some optional coverages you can expect with each one.