A study showed that nearly 70% of drivers have remained with the same car insurance company for more than four years, and 38% of drivers have never shopped around. Henderson drivers could save themselves as much as $550 a year, but they don’t understand how simple it is to find affordable insurance by shopping around.
The preferred way to get low-cost Ford F-150 insurance is to start doing a yearly price comparison from insurance carriers in Henderson. You can shop around by following these steps.
- Try to learn about how insurance companies determine prices and the things you can change to prevent expensive coverage. Many rating factors that increase rates like traffic tickets, fender benders, and poor credit history can be improved by making lifestyle changes or driving safer. Read the full article for more details to lower rates and find available discounts that you may qualify for.
- Get rate quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from a single company like GEICO and State Farm, while agents who are independent can quote rates from multiple insurance companies.
- Compare the price quotes to your current policy premium to see if a cheaper rate is available in Henderson. If you can save money and buy the policy, verify that coverage does not lapse between policies.
One important bit of advice is to make sure you’re comparing the same coverage limits and deductibles on every quote request and and to get prices from as many different companies as possible. This ensures an apples-to-apples comparison and a better comparison of the market.
Most of the larger companies like 21st Century, Allstate and State Farm give coverage price quotes directly from their websites. Getting online quotes for Ford F-150 insurance in Henderson is easy for anyone because it’s just a matter of typing in your personal and coverage information into the form. Behind the scenes, the system collects reports for credit and driving violations and provides a quote.
Getting online price quotes for Ford F-150 insurance in Henderson makes it simple to compare prices and it is important to do this in order to find cheaper car insurance pricing.
To find out if lower rates are available, take a look at the companies shown below. If you currently have coverage, we recommend you enter the coverage information exactly as they are listed on your policy. This makes sure you will have an apples-to-apples comparison for the exact same coverage.
The companies shown below are our best choices to provide comparison quotes in Henderson, NV. To get the best car insurance in NV, it’s a good idea that you click on several of them to get the most competitive price.
Auto insurance analysis for a Ford F-150
The premium information shown below highlights estimates of insurance premium costs for Ford F-150 models. Having a good grasp of how auto insurance prices are figured can benefit drivers when making decisions on which coverage to buy.
|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||$110||$204||$348||$20||$104||$786||$66|
|F-150 XL Super Cab 2WD||$110||$204||$348||$20||$104||$786||$66|
|F-150 XLT Regular Cab 2WD||$110||$204||$348||$20||$104||$786||$66|
|F-150 STX Super Cab 2WD||$110||$204||$348||$20||$104||$786||$66|
|F-150 XL Crew Cab 2WD||$126||$204||$348||$20||$104||$802||$67|
|F-150 XLT Super Cab 2WD||$126||$204||$348||$20||$104||$802||$67|
|F-150 STX Regular Cab 4WD||$126||$204||$348||$20||$104||$802||$67|
|F-150 XL Regular Cab 4WD||$126||$204||$348||$20||$104||$802||$67|
|F-150 FX2 Super Cab 2WD||$126||$204||$348||$20||$104||$802||$67|
|F-150 XLT Crew Cab 2WD||$126||$204||$348||$20||$104||$802||$67|
|F-150 XL Super Cab 4WD||$126||$204||$348||$20||$104||$802||$67|
|F-150 XLT Regular Cab 4WD||$126||$204||$348||$20||$104||$802||$67|
|F-150 XL Crew Cab 4WD||$142||$204||$348||$20||$104||$818||$68|
|F-150 STX Super Cab 4WD||$142||$204||$348||$20||$104||$818||$68|
|F-150 XLT Super Cab 4WD||$142||$204||$348||$20||$104||$818||$68|
|F-150 FX2 2WD||$142||$248||$348||$20||$104||$862||$72|
|F-150 Lariat Super Cab 2WD||$142||$248||$348||$20||$104||$862||$72|
|F-150 Lariat Crew Cab 2WD||$142||$248||$348||$20||$104||$862||$72|
|F-150 FX4 Super Cab 4WD||$142||$248||$348||$20||$104||$862||$72|
|F-150 XLT Crew Cab 4WD||$142||$248||$348||$20||$104||$862||$72|
|F-150 FX4 4WD||$142||$248||$348||$20||$104||$862||$72|
|F-150 Lariat Crew Cab 4WD||$142||$248||$348||$20||$104||$862||$72|
|F-150 SVT Raptor Super Cab 4WD||$142||$248||$348||$20||$104||$862||$72|
|F-150 Lariat Super Cab 4WD||$142||$248||$348||$20||$104||$862||$72|
|F-150 Lariat Crew Cab Platinum 2WD||$142||$292||$348||$20||$104||$906||$76|
|F-150 Lariat Crew Cab Harley 2WD||$142||$292||$348||$20||$104||$906||$76|
|F-150 Lariat King Ranch 2WD||$142||$292||$348||$20||$104||$906||$76|
|F-150 Lariat King Ranch 4WD||$160||$292||$348||$20||$104||$924||$77|
|F-150 Lariat Crew Cab Harley 4WD||$160||$292||$348||$20||$104||$924||$77|
|F-150 Lariat Crew Cab Platinum 4WD||$160||$292||$348||$20||$104||$924||$77|
|Get Your Own Custom Quote Go|
Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate quotes do not factor in Henderson location which can impact coverage rates noticeably.
Careless driving habits raise auto insurance rates
The illustration below highlights how traffic violations and accident claims can affect Ford F-150 insurance rates for different age groups. The price estimates are based on a single male driver, full coverage, $500 deductibles, and no discounts are applied.
Ford F-150 full coverage rates compared to liability only
The diagram below shows the difference between Ford F-150 auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no claims, a clean driving record, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
When to stop buying physical damage coverage
There is no definitive rule to delete physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let’s say your Ford F-150 claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $3,000 after paying your policy deductible. If you are paying more than $300 annually for physical damage coverage, then it could be time to drop full coverage.
There are some scenarios where buying only liability insurance is not in your best interest. If you still have a lienholder on your title, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage.
Why you need F-150 insurance in Nevada
Despite the high insurance cost for a Ford F-150 in Henderson, maintaining insurance serves an important purpose.
- The majority of states have mandatory liability insurance requirements which means state laws require a specific minimum amount of liability insurance coverage if you don’t want to risk a ticket. 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.
- If you have a lien on your Ford, it’s guaranteed your bank will force you to have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank will be required to insure your Ford at a much higher rate and require you to fork over for the expensive policy.
- Car insurance protects both your Ford and your assets. It will also provide coverage for most medical and hospital costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses in the event you are sued. If your Ford gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance more than offset the price you pay, especially if you ever need it. According to a recent study, the average American driver overpays more than $810 a year so it’s recommended you shop around each time the policy renews to save money.
Car insurance discounts help lower rates for Ford F-150 insurance in Henderson
Auto insurance companies don’t necessarily list every discount available very well, so here is a list a few of the more common and also the lesser-known savings tricks you should be using when you buy Henderson auto insurance online.
- Anti-lock Brake System – Cars that have steering control and anti-lock brakes can stop better under adverse conditions and qualify for as much as a 10% discount.
- Save over 55 – Mature drivers may be able to get a small discount on rates.
- Defensive Driving Course – Completing a safe driver class is a good idea and can lower rates and make you a better driver.
- Military Discounts – Being on active deployment in the military could mean lower car insurance rates.
- Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.
You can save money using discounts, but most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like you could get a free car insurance policy, that’s just not realistic. Any amount of discount will positively reduce the amount you have to pay.
The information below illustrates the comparison of Ford F-150 insurance costs with and without discounts applied to the policy rates. The costs are based on a male driver, no claims or violations, Nevada state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, homeowner, multi-car, and multi-policy discounts applied.
Some of the larger companies that may include some of the above discounts may include but are not limited to:
If you need lower rates, check with all the companies which discounts you qualify for. Some credits might not be offered in your state. If you would like to choose from a list of car insurance companies with significant discounts in Nevada, click this link.
Do I need an insurance agency?
A lot of people just want to talk to a local agent and that can be a great decision Good agents can help you build your policy and help submit paperwork. One of the best bonuses of getting online price quotes is the fact that drivers can get lower rates and still buy from a local agent. Buying from neighborhood agents is definitely important in Henderson.
For easy comparison, once you complete this quick form, your coverage information is transmitted to agents in your area who will gladly provide quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your computer due to the fact that quote results will go to you directly. If for some reason you want to compare prices from one company in particular, you would need to go to their quote page and complete a quote there.
When finding a reliable agent, it’s helpful to know the different types of agencies that you can select. Agents in Henderson can be categorized as either independent (non-exclusive) or exclusive. Both types can insure your vehicles, but it is important to understand how they differ because it can impact your agent selection.
Independent agencies often have affiliation with several companies so they can quote policies with many different companies and find you the best rates. If they quote lower rates, they can switch companies in-house which makes it simple for you.
When searching for an agent, we recommend you get rate quotes from independent agents to have the best price comparison. Most independent agents also contract with mutual insurance companies which can be an advantage.
The following is a short list of independent agencies in Henderson that can give you comparison quotes.
- Yoder Insurance Ltd
283 Grand Olympia Dr – Henderson, NV 89012 – (702) 434-7640 – View Map
- Balsiger Insurance
3481 E Sunset Rd #100 – Las Vegas, NV 89120 – (702) 220-8640 – View Map
- Nikkol Jackson Insurance Agency
701 N Green Valley Pkwy #200 – Henderson, NV 89074 – (702) 451-9799 – View Map
These agents can only provide one company’s prices and examples are Farmers Insurance or State Farm. They generally cannot provide other company’s prices so they really need to provide good service. These agents are well trained on their company’s products and that allows them to sell at a higher price point. Consumers sometimes buy insurance from these agents mainly due to loyalty to the company rather than having the cheapest rates.
The following is a short list of exclusive insurance agents in Henderson willing to provide price quote information.
- Lisa Downer – State Farm Insurance Agent
1450 W Horizon Ridge Pkwy b302 – Henderson, NV 89012 – (702) 492-6287 – View Map
- Farmers Insurance – Julia Clarke Spataro
2298 W Horizon Ridge Pkwy #104 – Henderson, NV 89052 – (702) 897-0000 – View Map
- American Family Insurance – Barbara Nielson
1776 W Horizon Ridge Pkwy Ste 110 – Henderson, NV 89012 – (702) 906-1860 – View Map
Finding a good auto insurance agent requires you to look at more than just the price. Below are some questions you should ask.
- How much can you save by raising your physical damage deductibles?
- Can glass repairs be made at your home?
- What are the financial ratings for the companies they represent?
- Which companies do they recommend if they are an independent agency?
- Can they provide you with a list of referrals?
Upon receiving good answers to any questions you may have and an acceptable price quote, you may have found an insurance agent that meets the requirements to properly service your insurance policy.
Auto insurance companies ranked
Buying coverage from a highly-rated car insurance provider can be a challenge considering how many different companies sell coverage in Henderson. The ranking information in the next section can help you select which coverage providers you want to consider comparing rate quotes with.
Top 10 Henderson Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- 21st Century – 88%
- Liberty Mutual – 88%
- Allstate – 88%
Top 10 Henderson Car Insurance Companies Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
How to know if you need help
Keep in mind that when it comes to choosing your policy, there is no perfect coverage plan. Everyone’s needs are different and your auto insurance should unique, too.
For example, these questions may help you determine whether or not you might need professional guidance.
- Do I need medical payments coverage since I have good health insurance?
- Is my dog or cat covered if injured in an accident?
- Is a driver training discount available?
- Will filing a claim cost me more?
- Is my camper covered by my car insurance policy?
- Does my policy cover my teen driver if they drive my company car?
- Is motorclub coverage worth it?
- Can I cancel at any time?
- Are my company tools covered if they get stolen?
- Is extra glass coverage worth it?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.
Insurance coverages 101
Having a good grasp of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.
Liability auto insurance
Liability insurance can cover damage or injury you incur to other people or property by causing an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 15/30/10 which stand for $15,000 bodily injury coverage, $30,000 for the entire accident, and property damage coverage for $10,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims like attorney fees, medical expenses and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford. Nevada requires minimum liability limits of 15/30/10 but you should think about purchasing higher limits.
The chart below demonstrates why low liability limits may not be enough coverage.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance provide coverage for bills for things like X-ray expenses, rehabilitation expenses and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive auto coverage
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like hail damage, damage from flooding and vandalism. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Ford F-150.
Because many people carry very low liability coverage limits (which is 15/30/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are set the same as your liability limits.
This coverage covers damage to your F-150 caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as hitting a mailbox, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible on your F-150 to save money on collision insurance.
Shop smart and save
When shopping online for insurance, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where someone sacrificed full coverage only to regret at claim time that it was a big error on their part. Your goal is to purchase a proper amount of coverage at the best possible price while not skimping on critical coverages.
In this article, we presented a lot of tips how to save on Ford F-150 insurance in Henderson. The key concept to understand is the more times you quote, the better your comparison will be. You may even be surprised to find that the best price on insurance is with some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.
Other learning opportunities
- What is Covered by GAP Insurance? (Allstate)
- How Much are Auto Insurance Rates for Homeowners in Henderson? (FAQ)
- How Much are Auto Insurance Rates for Single Moms in Henderson? (FAQ)
- Who Has the Cheapest Car Insurance for Young Drivers in Henderson? (FAQ)
- Who Has Affordable Henderson Auto Insurance Quotes for Postal Workers? (FAQ)
- Child Safety FAQ (iihs.org)
- Avoiding Deer Collisions (Insurance Information Institute)