Do you want a faster way to compare low-cost insurance rates in Henderson, NV? Henderson shoppers have a choice when shopping for the best price on Ford F-350 insurance. They can either waste time calling around getting price quotes or use the internet to find the lowest rates. There is a right way and a wrong way to compare insurance rates and we’ll show you the proper way to quote coverages for your Ford and find the best price possible.
Consumers should take time to get comparison quotes yearly since rates change regularly. Just because you had the best rate on Ford F-350 insurance in Henderson a couple years back you can probably find a lower rate today. There is a lot of wrong information about F-350 insurance online but in this article, you’re going to get the easiest ways to quit paying high insurance rates in Henderson.
How to buy Ford F-350 insurance online
The majority of larger companies allow consumers to get price estimates directly from their websites. Getting Ford F-350 insurance prices online is fairly straightforward as you simply enter the coverage amounts you desire into a form. After the form is submitted, the quote system will obtain your driving and credit reports and returns a price based on the data you entered.
Being able to quote online for Ford F-350 insurance in Henderson makes it easy to compare insurance prices and it’s also necessary to do this in order to find the best rate possible.
To quickly use this form to compare rates, compare quotes from the companies shown below. If you have your current policy handy, we recommend you enter the limits and deductibles as close as possible to your current policy. This guarantees you will have a price comparison using the same coverage and limits.
The companies shown below can provide quotes in Nevada. If you want the cheapest car insurance in Henderson, we recommend you get prices from several of them to find the cheapest car insurance rates.
Why car insurance is not optional
Despite the fact that car insurance is not cheap in Henderson, paying for car insurance is required for several reasons.
- Just about all states have compulsory liability insurance requirements which means the state requires a minimum amount of liability protection in order to get the vehicle licensed. 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 took out a loan on your F-350, most lenders will require that you have comprehensive coverage to guarantee their interest in the vehicle. If you let the policy lapse, the bank will be required to insure your Ford at a much higher rate and force you to reimburse them the higher premium.
- Car insurance preserves not only your Ford F-350 but also your assets. Insurance will also pay for most medical and hospital costs incurred in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, your policy will pay to repair the damage.
The benefits of carrying enough insurance are without a doubt worth the cost, especially when you need to use it. The average driver in Nevada overpays as much as $830 a year so you should quote your policy with other companies every year to make sure the price is not too high.
Ford F-350 insurance coverage information
The coverage table displayed below covers a range of rate quotes for Ford F-350 models. Being able to understand how car insurance premiums are established can assist in making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-350 XL Crew Cab 4WD | $342 | $564 | $606 | $36 | $182 | $1,730 | $144 |
| F-350 XL Super Cab 4WD | $342 | $564 | $606 | $36 | $182 | $1,730 | $144 |
| F-350 XL Super Cab 2WD | $380 | $478 | $404 | $24 | $120 | $1,406 | $117 |
| F-350 Super Cab Cabela Package 4WD | $380 | $564 | $606 | $36 | $182 | $1,768 | $147 |
| F-350 Super Cab Cabela Package 2WD | $380 | $564 | $404 | $24 | $120 | $1,492 | $124 |
| F-350 XL Crew Cab 2WD | $380 | $564 | $404 | $24 | $120 | $1,492 | $124 |
| F-350 Crew Cab Harley Edition 4WD | $380 | $564 | $606 | $36 | $182 | $1,768 | $147 |
| F-350 Super Cab Harley Edition 4WD | $380 | $564 | $606 | $36 | $182 | $1,768 | $147 |
| F-350 Crew Cab King Ranch 4WD | $380 | $564 | $606 | $36 | $182 | $1,768 | $147 |
| F-350 XLT Crew Cab 4WD | $380 | $564 | $606 | $36 | $182 | $1,768 | $147 |
| F-350 XL Super Cab Turbo Diesel 4WD | $380 | $564 | $606 | $36 | $182 | $1,768 | $147 |
| F-350 XLT Super Cab 4WD | $380 | $564 | $606 | $36 | $182 | $1,768 | $147 |
| F-350 XLT Super Cab 2WD | $380 | $564 | $404 | $24 | $120 | $1,492 | $124 |
| F-350 XL Crew Cab Cabela Package 2WD | $380 | $564 | $404 | $24 | $120 | $1,492 | $124 |
| F-350 XL Crew Cab King Ranch 2WD | $380 | $564 | $404 | $24 | $120 | $1,492 | $124 |
| F-350 Crew Cab Lariat 4WD | $380 | $650 | $606 | $36 | $182 | $1,854 | $155 |
| F-350 Crew Cab King Ranch Turbo Diesel 4WD | $380 | $650 | $606 | $36 | $182 | $1,854 | $155 |
| F-350 Crew Cab Cabela Package 4WD | $380 | $650 | $606 | $36 | $182 | $1,854 | $155 |
| F-350 XL Crew Cab Turbo Diesel 4WD | $380 | $650 | $606 | $36 | $182 | $1,854 | $155 |
| F-350 Super Cab Lariat 4WD | $380 | $650 | $606 | $36 | $182 | $1,854 | $155 |
| F-350 Super Cab Cabela Turbo Diesel 4WD | $380 | $650 | $606 | $36 | $182 | $1,854 | $155 |
| F-350 XLT Super Cab Turbo Diesel 4WD | $380 | $650 | $606 | $36 | $182 | $1,854 | $155 |
| F-350 Super Cab Lariat 2WD | $420 | $564 | $404 | $24 | $120 | $1,532 | $128 |
| F-350 XL Super Cab Turbo Diesel 2WD | $420 | $564 | $404 | $24 | $120 | $1,532 | $128 |
| F-350 Super Cab Harley Edition 2WD | $420 | $564 | $404 | $24 | $120 | $1,532 | $128 |
| F-350 XLT Crew Cab 2WD | $420 | $564 | $404 | $24 | $120 | $1,532 | $128 |
| F-350 XLT Crew Cab Lariat 2WD | $420 | $564 | $404 | $24 | $120 | $1,532 | $128 |
| F-350 XLT Crew Cab Harley Edition 2WD | $420 | $564 | $404 | $24 | $120 | $1,532 | $128 |
| F-350 XL Crew Cab Turbo Diesel 2WD | $420 | $564 | $404 | $24 | $120 | $1,532 | $128 |
| F-350 Super Cab Lariat Turbo Diesel 4WD | $420 | $650 | $606 | $36 | $182 | $1,894 | $158 |
| F-350 XLT Crew Cab Turbo Diesel 4WD | $420 | $650 | $606 | $36 | $182 | $1,894 | $158 |
| F-350 Crew Cab Harley Turbo Diesel 4WD | $420 | $650 | $606 | $36 | $182 | $1,894 | $158 |
| F-350 Super Cab Harley Turbo Diesel 4WD | $420 | $650 | $606 | $36 | $182 | $1,894 | $158 |
| F-350 XLT Crew Cab Cabela Turbo Diesel 2WD | $420 | $650 | $404 | $24 | $120 | $1,618 | $135 |
| F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD | $420 | $650 | $404 | $24 | $120 | $1,618 | $135 |
| F-350 Super Cab Harley Turbo Diesel 2WD | $420 | $650 | $404 | $24 | $120 | $1,618 | $135 |
| F-350 Super Cab Cabela Turbo Diesel 2WD | $420 | $650 | $404 | $24 | $120 | $1,618 | $135 |
| F-350 Super Cab XLT Turbo Diesel 2WD | $420 | $650 | $404 | $24 | $120 | $1,618 | $135 |
| F-350 Crew Cab Lariat Turbo Diesel 4WD | $420 | $650 | $606 | $36 | $182 | $1,894 | $158 |
| F-350 Crew Cab Cabela Turbo Diesel 4WD | $420 | $650 | $606 | $36 | $182 | $1,894 | $158 |
| F-350 Crew Cab Lariat Turbo Diesel 2WD | $420 | $650 | $404 | $24 | $120 | $1,618 | $135 |
| F-350 Super Cab Lariat Turbo Diesel 2WD | $420 | $650 | $404 | $24 | $120 | $1,618 | $135 |
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price estimates do not factor in your specific Henderson location which can change auto insurance rates considerably.
Yearly car insurance costs for men versus women
The example below visualizes the comparison of Ford F-350 annual premium costs for male and female drivers. The price estimates are based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, drivers are single, and no other discounts are factored in.
Do you need full coverage?
The illustration below compares Ford F-350 insurance costs with and without physical damage coverage. The prices are based on no accidents, no driving violations, $1,000 deductibles, single marital status, and no discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no exact formula of when to phase out full coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Ford F-350 settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after the deductible is paid. If you are currently paying more than $400 a year for full coverage, then it’s probably a good time to buy liability coverage only.
There are some cases where dropping full coverage is not financially feasible. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.
Discounts mean cheaper rates for Ford F-350 insurance in Henderson
Auto insurance is not an enjoyable expense, but there may be some discounts that many people don’t even know exist. Most are applied at the time of purchase, but some need to be specially asked for before being credited. If you are not receiving all the discounts possible, it’s possible you qualify for a lower rate.
- Federal Employees – Simply working for the federal government may qualify for a discount when you quote Henderson car insurance with a few auto insurance companies.
- Drivers Ed for Students – Teen drivers should participate in a local driver’s education class if it’s offered in school.
- E-sign – Many larger companies will give you a small discount for buying your policy over the internet.
- More Vehicles More Savings – Drivers who insure several vehicles on one policy can get a discount on all vehicles.
- Service Members Pay Less – Having an actively deployed family member may qualify for rate reductions.
- Own a Home and Save – Just being a homeowner can save you money because owning a home shows financial diligence.
- Discounts for New Vehicles – Insuring a new F-350 can cost up to 25% less because new model year vehicles are generally safer.
- Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use a seat belt can save 10% or more on medical payment and PIP coverage.
- Accident Forgiveness – This isn’t a discount exactly, but some insurance companies will allow you to have one accident without the usual rate increase if you are claim-free for a particular time prior to the accident.
- Professional Memberships – Joining qualifying employment or professional organizations could qualify you for a break on your next auto insurance statement.
One last thing about discounts, many deductions do not apply to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will cut the cost of your policy.
The information below compares Ford F-350 insurance prices with and without discounts. The data assumes a male driver, no claims, a clean driving record, Nevada state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, claim-free, homeowner, multi-policy, and multi-car discounts applied.
Insurance companies who might offer these discounts are:
Check with all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier may not be offered everywhere. To find insurers who offer discounts in Nevada, click this link.
Nevada car insurance company ratings
Selecting the highest-rated car insurance provider can be rather challenging considering how many different companies insure vehicles in Henderson. The ranking information shown next can help you decide which providers to look at comparing rates from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
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Data Source: Insure.com Best Car Insurance Companies