Affordable Insurance for a Ford F-250 in Omaha

It’s an obvious conclusion that car insurance companies want to keep you from comparing rates. Insureds who shop around for cheaper price quotes are highly likely to move their business because there is a great chance of finding a more affordable policy. A recent insurance study revealed that drivers who compared rates annually saved approximately $3,500 over four years as compared to drivers who never shopped around for cheaper prices.

If finding the lowest price for auto insurance in Omaha is why you’re here, knowing the best ways to find and compare auto insurance can help make the process easier.

It takes a little time, but the best way to quote cheaper Ford F-250 insurance in Omaha is to compare prices at least once a year from insurance carriers who provide car insurance in Nebraska.

1. Spend a few minutes and learn about individual coverages and the changes you can make to keep rates low. Many rating criteria that are responsible for high rates such as speeding and an imperfect credit score can be controlled by making minor changes in your lifestyle.
2. Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO or Allstate, while agents who are independent can provide prices from multiple sources.
3. Compare the new rates to your existing coverage to see if you can save by switching companies. If you find a lower rate and change companies, ensure coverage does not lapse between policies.
4. Notify your agent or company to cancel your current coverage. Submit the signed application along with the required initial payment for your new policy. Don’t forget to place the new certificate verifying proof of insurance along with the vehicle’s registration papers.

A good piece of advice is to try to compare identical deductibles and limits on each quote and and to get rates from as many car insurance companies as possible. Doing this ensures a level playing field and a good representation of prices.

There are several ways of comparing rate quotes from companies that offer car insurance in Nebraska. The easiest way by far to lower the rate you pay for Ford F-250 insurance is to get quotes online. When comparing car insurance rates, know that quoting more will enable you to find a better price. Some insurance companies are not set up to provide online rate quotes, so it’s important to also get quotes from those companies as well.

The providers in the list below offer price quotes in Nebraska. If multiple companies are listed, it’s highly recommended you click on several of them to get the lowest price.

Premium rates and analysis

The premium table shown below showcases detailed analysis of insurance costs for Ford F-250 models. Knowing how insurance quotes are figured is important for drivers to make informed purchases.

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can raise or lower coverage rates substantially.

Does it make sense to buy full coverage?

The information below compares Ford F-250 premium costs when comparing full coverage to state minimum liability only. The rate quotes are based on no violations or accidents, $1,000 deductibles, single marital status, and no discounts are factored in.

When to switch to liability coverage only

There is no definitive formula that is best for determining when to drop physical damage coverage on your policy, but there is a general convention. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Ford F-250 replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,000 after you pay the deductible. If it’s costing you more than $300 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some conditions where dropping full coverage is not a good idea. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Car insurance just makes sense

Even though it can be expensive, insurance may be mandatory for several reasons.

• Just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability protection in order to be legal. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you took out a loan on your Ford F-250, more than likely the lender will make it mandatory that you have insurance to guarantee loan repayment. If you let the policy lapse, the lender may insure your Ford for a lot more money and force you to pay for it.
• Insurance protects your Ford F-250 and your assets. It will also reimburse you for most medical and hospital costs incurred in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, your car insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of having insurance definitely exceed the cost, especially for larger claims. Today the average American driver overpays as much as $850 per year so you should quote and compare rates at every policy renewal to ensure rates are competitive.

How You Can Control Ford F-250 Insurance Rates

Many different elements are taken into consideration when you quote your car insurance policy. Some are pretty understandable like an MVR report, although some other factors are not as apparent such as your credit history and annual miles driven.

The following are a partial list of the pieces utilized by car insurance companies to help set your premiums.

• How much liability coverage – Your policy’s liability coverage provides coverage when you are ruled to be at fault for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense to attempt to prove you were not liable. Liability is cheap compared to other policy coverages, so drivers should carry high limits.

• With age comes responsibility – Drivers with little experience have been known to get distracted easily with other occupants in the car so they pay higher insurance rates. Having to add a young driver to your policy will cause a huge premium hike. Older drivers are viewed as being more responsible, are lower risk to insure, and get fewer tickets.

  The next chart is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.

• Females tend to take less risk – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. It does not mean males are worse at driving than females. Women and men tend to get into fender benders at a similar rate, but the men tend to have higher claims. They also get ticketed for serious violations like DWI (DUI) or reckless driving. Males from age 16 to 21 are the most expensive to insure and therefore pay the highest rates.

  The information below shows the difference between Ford F-250 insurance costs for male and female drivers. The rates are based on a clean driving record, no at-fault accidents, comp and collision included, $1,000 deductibles, marital status is single, and no other discounts are factored in.

• Save money by having high credit – Your credit rating is a big factor in determining what you pay. If your credit rating can use some improvement, you could potentially save money when insuring your Ford F-250 by improving your credit score. Insureds that have very good credit scores tend to be less risk to insure than drivers with lower credit ratings.
• Small claims can cost you – Insurance companies in Nebraska give most affordable rates to policyholders that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can look forward to higher rates. Insurance coverage is intended to be relied upon for larger claims.
• Discounts for multiple policies – Lots of insurance companies apply better rates to buyers that purchase more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount it’s always a smart idea to compare other Omaha F-250 insurance rates to help ensure you have the lowest rates.
• Lower stress equals lower rates – Do you have a high-stress occupation? Occupations like judges, business owners, and emergency personnel have higher premiums than the average policyholder in part from high stress levels and lots of time spent away from family. Other occupations such as farmers, engineers and homemakers have lower than average premiums.
• A insurance lapse can increase premiums – Not having insurance can get your license suspended and as a result your rates will increase for letting your insurance expire. In addition to paying higher premiums, getting caught without coverage might get you fines or a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with the Nebraska department of motor vehicles.

• Insurance loss statistics a Ford F-250 – Insurers take into consideration insurance loss statistics for every vehicle when setting rates for each model. Models that the data determines to have high amounts or severity of claims will cost more to insure.

  The table below outlines the insurance loss data used by companies for Ford F-250 vehicles. For each policy coverage type, the claim amount for all vehicles combined as an average is set at 100. Percentages below 100 imply a favorable loss record, while numbers above 100 indicate more frequent losses or tendency to have higher losses.

  
  

  Auto Insurance Loss Data for Ford F-250 Models

  Specific Ford Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Ford F-250 4WD	58	97	85
  Ford F-250 SuperCab 2WD	55		90
  Ford F-250 SuperCab 4WD	72	118	71	48
  Ford F-250 SuperCrew 2WD	75	101	125
  Ford F-250 SuperCrew 4WD	86	132	176	44	44	90

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Verify you’re receiving every discount

The cost of insuring your cars can be expensive, but you may be missing some discounts to reduce the price significantly. Some trigger automatically at the time of purchase, but occasionally some discounts must be specially asked for in order for you to get them.

• No Charge for an Accident – This one is not really a discount per se, but companies like State Farm and GEICO will let one accident slide before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
• Student Driver Training – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Low Mileage – Maintaining low annual mileage can qualify you for lower car insurance rates due to less chance of an accident.
• Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save a little on the premium charged for medical payments and/or PIP.
• College Student – Any of your kids who attend college more than 100 miles from Omaha and do not have access to a covered vehicle could get you a discount.
• Paperless Signup – A handful of companies provide a small discount simply for signing over the internet.
• Multi-line Discount – Some car insurance companies give a break if you buy some life insurance in addition to your auto policy.

It’s important to note that most credits do not apply to the whole policy. Most only cut individual premiums such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.

The chart below visualizes the comparison of Ford F-250 insurance rates with and without discounts being applied to the rates. The costs are based on a female driver, no accidents or driving violations, Nebraska state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, marriage, homeowner, multi-policy, and safe-driver discounts applied.

A list of companies and some of their more popular discounts are:

• American Family offers premium reductions for bundled insurance, TimeAway discount, multi-vehicle, accident-free, good student, good driver, and air bags.
• Farm Bureau may offer discounts for multi-policy, good student, safe driver, youthful driver, and 55 and retired.
• State Farm has discounts for Steer Clear safe driver discount, multiple autos, good driver, anti-theft, and Drive Safe & Save.
• Travelers policyholders can earn discounts including IntelliDrive, good student, home ownership, early quote, new car, driver training, and save driver.
• The Hartford has savings for defensive driver, driver training, vehicle fuel type, bundle, air bag, and anti-theft.
• GEICO discounts include defensive driver, anti-theft, military active duty, driver training, and anti-lock brakes.
• Progressive offers discounts for multi-policy, continuous coverage, online signing, multi-vehicle, and good student.

When getting a coverage quote, ask each company which discounts can lower your rates. A few discounts may not be available in Omaha. To locate car insurance companies who offer discounts in Nebraska, click here to view.

Local Omaha insurance agencies

A lot of people still like to buy from a licensed agent and there is nothing wrong with that. An additional benefit of getting online price quotes is that you can find the lowest rates but also keep your business local. And providing support for small agencies is important especially in Omaha.

For easy comparison, once you complete this quick form, the quote information is submitted to local insurance agents that can provide free Omaha auto insurance quotes and help you find cheaper coverage. You never need to leave your computer due to the fact that quote results will go to you. It’s the lowest rates AND an agent nearby. If you want to get a price quote from one company in particular, don’t hesitate to search and find their rate quote page and fill out their quote form.

Below are agents in Omaha that may be able to provide rate quotes for Ford F-250 insurance in Omaha.

• Omaha Insurance Services, Inc.
  11132 O St – Omaha, NE 68137 – (402) 592-4455 – View Map
• American Family Insurance – T. C. Johnson Agency Inc.
  155 N 72nd St – Omaha, NE 68114 – (402) 561-8633 – View Map
• Southwell Insurance Agency, LLC.
  2809 S 160th St #307 – Omaha, NE 68130 – (402) 493-6940 – View Map
• New Frontier Insurance
  3637 S 24th St – Omaha, NE 68108 – (402) 731-2505 – View Map

View more agents

Choosing an insurer should include more criteria than just the price. These are some questions you should get answers to.

• Do they have cheaper tiers of coverage?
• Which companies can they place coverage with?
• Is the quote a firm price?
• Will you work with the agent or an assistant?
• Is there a local claims center in Omaha?
• How much experience to they have in personal lines coverages?
• Do the companies they represent have a solid financial rating?

Persistence will pay off

Cheaper Ford F-250 insurance in Omaha can be sourced both online and with local Omaha insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies may not provide online quoting and these regional insurance providers sell through independent agents.

When searching for affordable Ford F-250 insurance quotes, never reduce needed coverages to save money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits only to discover later that it was a big mistake. Your aim should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

In this article, we covered many tips how you can shop for Ford F-250 insurance online. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding low cost Omaha auto insurance quotes. You may even find the lowest priced car insurance comes from a smaller regional carrier.

For more information, link through to the resources below:

• What if I Can’t Find Coverage? (Insurance Information Institute)
• Who Has the Cheapest Omaha Auto Insurance Rates for a Nissan Altima? (FAQ)
• How Much are Car Insurance Quotes for State Employees in Omaha? (FAQ)
• Who Has the Cheapest Car Insurance Rates for College Graduates in Omaha? (FAQ)
• Who Has Cheap Car Insurance for Drivers Requiring a SR22 in Omaha? (FAQ)
• Distracted Driving Statistics (Insurance Information Institute)
• Insuring a Leased Car (Insurance Information Institute)
• Auto Insurance 101 (About.com)
• Electronic Stability Control FAQ (iihs.org)