Consumers Guide to Buying Ford F150 Pickup Insurance in Las Vegas

Las Vegas consumers have options when looking for the best price on Ford F150 Pickup insurance. You can either spend your time struggling with agents trying to get quotes or leverage the internet to find the lowest rates.

There are more efficient ways to find auto insurance online so you’re going to learn the best way to quote coverages for your Ford and get the lowest possible price from both online companies and Las Vegas agents.

It’s important to get comparison quotes every six months because insurance rates trend upward over time. Even if you think you had the best rates for F150 pickup coverage two years ago you can probably find a better price now. Block out anything you think you know about auto insurance because you’re about to find out the proper way to save money, get proper deductibles and limits, all at the lowest rate.

Finding Auto Insurance Deals in Las Vegas

Finding lower Las Vegas auto insurance rates doesn’t have to be difficult. The only requirement is to invest a few minutes to compare rate quotes online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.

The most efficient way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for boring form submissions for every auto insurance company. Just one form compares rates from multiple low-cost companies.It’s the quickest way to get rates.
A harder way to compare prices requires you to visit the website for each individual company and request a quote. For examples sake, let’s assume you want to compare Nationwide, Liberty Mutual and Progressive. You would have to visit each site and enter your policy data, which is why most consumers use the first method. To view a list of companies in Las Vegas, click here.
The least efficient method of getting rate comparisons is driving around to local insurance agencies. The internet can eliminate the need for a local agent unless you have a need for the personal advice of a local agent. However, consumers can comparison shop your insurance online but buy from a local insurance agent and we’ll cover that in a bit.

It’s your choice how you get your quotes, but make sure you use exactly the same coverages and limits with each company. If you use mixed coverages it will be impossible to find the best deal for your Ford F150 Pickup in Las Vegas.

Do you qualify for a discount?

Insuring your fleet can be pricey, buy you may qualify for discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be specially asked for prior to receiving the credit. If they aren’t giving you every credit possible, you’re paying more than you need to.

Organization Discounts – Being a member of a civic or occupational organization may earn a discount on auto insurance for F150 pickup coverage.
Multiple Cars – Buying coverage for all your vehicles on the same auto insurance policy can get a discount on all vehicles.
Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less for F150 pickup coverage than less cautious drivers.
No Charge for an Accident – A few companies permit an accident before raising your premiums if you are claim-free for a certain period of time.
Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
Driver Safety – Completing a driver safety course could possibly earn you a 5% discount if you qualify.
Homeowners Pay Less – Owning a home in Las Vegas may trigger a auto insurance policy discount because owning a home requires personal responsibility.

Keep in mind that most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like all the discounts add up to a free policy, you’re out of luck. Any amount of discount will reduce your overall premium however.

To see a list of companies offering auto insurance discounts in Las Vegas, click this link.

Your insurance agent down the street

Some people prefer to buy from a licensed agent and there is nothing wrong with that. Good agents are trained to spot inefficiencies and help submit paperwork. The biggest benefit of comparing insurance prices online is that you can obtain lower rates but also keep your business local. And supporting local agencies is definitely important in Las Vegas.

To help locate an agent, after submitting this form (opens in new window), the coverage information is submitted to companies in Las Vegas who will compete for your coverage. You won’t need to visit any agencies due to the fact that quote results will go to your email. How cool is that?!

Captive or Independent: There is a difference

When looking for a good insurance agency, you must know there are a couple types of insurance agents that you can select. Agents can either be captive or independent. While both can write coverage properly, but it’s worth learning how they are different since it may influence your selection of an agent.

Independent Insurance Agents

Independent insurance agents do not work for one specific company but instead can place your coverage with lots of companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage and you won’t have to switch agencies. When searching for an agent, it’s recommended you get quotes from multiple independent agents to ensure the widest selection of prices. Most have the option of insuring with lesser-known insurance companies which can save you money. Las Vegas insurance banner

Captive Insurance Agents

This type of agents work for only one company and examples are Farmers Insurance or State Farm. These agents are unable to place coverage with different providers so keep that in mind. Captives are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers frequently purchase coverage from captives mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.

Deciding on an insurance agent should depend on more than just the price. Ask your prospective agent these questions:

If you have an accident, will your rates go up?
How long has their agency been open in Las Vegas?
Is working in the agency their full-time job?
Who are their largest clients?
Can they provide you with a list of referrals?
What insurance companies do they work with?
If your car is in the repair shop, do you have coverage for a rental car?
What is the agency’s Better Business Bureau rating?

Once you have positive feedback to any questions you have and an acceptable price quote, you have narrowed it down to an auto insurance agent that meets your needs to service your policy.

Insurance agents can help

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions might help in determining whether you might need an agent’s assistance.

Are there companies who specialize in insuring high-risk drivers?
Am I covered when delivering products for my home-based business?
Can I pay claims out-of-pocket if I buy high deductibles?
Do all my vehicles need collision coverage?
Do I need roadside assistance coverage?
Can I rate high risk drivers on liability-only vehicles?
Do I benefit by insuring my home with the same company?
Am I getting all the discounts available?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Factors that can influence insurance rates for a Ford F150 Pickup

It’s important that you understand the factors that help determine the price you pay for auto insurance. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with big savings.

The following are some of the items companies use to determine rates.

High credit ratings translate to low rates – A driver’s credit score is a big factor in determining your rates. If your credit score is lower than you’d like, you could be paying less to insure your Ford F150 Pickup by repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims than those with poor credit.
Liability coverage protects you – The liability section of your policy will protect you if you are found liable for personal injury or accident damage. It will provide legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
More miles equals more premium – The higher the mileage driven in a year’s time the higher your rates will be. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Autos that are left in the garage qualify for better rates compared to those used for work or business. An improperly rated F150 Pickup may be costing you. Verify your auto insurance declarations sheet properly reflects the correct usage for each vehicle.
Extra coverages can waste money – There are a ton of extra bells and whistles you can purchase if you aren’t careful. Things like vanishing deductibles, better glass coverage and term life insurance are some examples. These may sound like a good investment at first, but if they’re wasting money remove them from your policy.

Save 15 percent in 15 minutes? Is it for real?

Nevada drivers can’t get away from ads for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. All the ads make an identical promise that you’ll save big if you switch your policy.

How does each company say the same thing? It’s all in the numbers.

Different companies can use profiling for the driver that earns them a profit. An example of a desirable insured might be profiled as a mature driver, has no driving citations, and drives less than 7,500 miles a year. Any new insured who fits that profile will get the preferred rates and is almost guaranteed to save a lot of money.

Potential insureds who don’t qualify for the “perfect” profile will have to pay more money and this can result in the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everyone that quotes” save money. That’s why companies can claim big savings.

Because of the profiling, drivers should get a wide range of price quotes. You cannot predict which company will have the lowest rates.

Better coverage you can count on

You just learned some good ideas how to shop for Ford F150 Pickup insurance online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the best prices are with a small local company.

As you prepare to switch companies, you should never reduce coverage to reduce premium. There are many occasions where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your aim should be to get the best coverage possible at a price you can afford.

Consumers who switch companies do it for a number of reasons such as not issuing a premium refund, unfair underwriting practices, delays in responding to claim requests or even extreme rates for teen drivers. Regardless of your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

More Nevada auto insurance resources

Additional information can be read on the Nevada Division of Insurance website through this link. Nevada drivers can find disaster information, read industry bulletins, and download brochures.

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