If saving the most money is your goal, then the best way to get the cheapest auto insurance rates is to compare prices at least once a year from companies who provide car insurance in Omaha.
- Take a little time to learn about how auto insurance works and the measures you can control to prevent expensive coverage. Many policy risk factors that result in higher prices like distracted driving and a not-so-good credit history can be rectified by making small lifestyle or driving habit changes. Read the full article for ideas to help prevent expensive coverage and earn a bigger discount.
- Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO or State Farm, while independent agents can quote rates from many different companies. View rates
- Compare the new rate quotes to your existing policy and determine if cheaper F-150 coverage is available. If you can save money and buy the policy, verify that coverage does not lapse between policies.
- Provide proper notification to your current company to cancel the current policy. Submit a completed policy application and payment to the new company. Don’t forget to put the new certificate verifying proof of insurance in a readily accessible location in your vehicle.
One tip to remember is to use the same amount of coverage on every quote request and to quote with as many carriers as you can. Doing this enables a fair price comparison and a complete rate analysis.
It’s an obvious conclusion that auto insurance companies don’t want policyholders to compare prices from other companies. Drivers who shop around for a cheaper policy will probably switch insurance companies because the odds are good of finding better rates. A recent survey revealed that consumers who routinely compared quotes saved $865 annually compared to those who never shopped for cheaper rates.
If finding budget-friendly Ford F-150 insurance is your objective, understanding how to get free comparison quotes and analyze coverage rates can save time and make the process easier.
Comparison shopping for affordable auto insurance policy in Omaha is quite easy. If you have insurance now or want to find a cheaper company, you can use these techniques to lower your rates while maximizing coverage. Drivers just have to use the tricks to compare prices online.
Smart Buyers Can Reduce Their Insurance Premiums
Part of the auto insurance buying process is learning the factors that aid in calculating your premiums. If you have a feel for what impacts premium levels, this allows you to make educated decisions that can help you get lower premium levels.
Vehicle features that lower rates – Driving a car with an alarm system can save you some money. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart vehicle theft.
Better auto insurance rates on vehicles with better crash test results – Cars with high safety ratings get lower rates. Safe vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Ford F-150 scored better than four stars on Safercar.gov it may cost less to insure.
With age comes responsibility – Teen drivers in Nebraska are statistically shown to be easily distracted with other occupants in the car therefore auto insurance rates are much higher. Parents adding a beginning driver to your policy can increase premiums substantially. Older drivers tend to be more responsible, are lower risk to insure, and get fewer tickets.
The data below assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
Liability insurance limits on your policy – Liability coverage will protect you in the event that you are ruled to be at fault for causing damage or personal injury in an accident. It provides legal defense coverage to attempt to prove you were not liable. This coverage is relatively inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.
Higher physical damage deductibles are cheaper – Comprehensive and collision coverage deductibles represent how much money you are willing to pay before a claim is paid by your company. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. Examples of some claims that would be covered could be colliding with a stationary object, collision with a deer, or theft of your vehicle. The more money you have to pay, the less money you will pay for auto insurance.
Insurance costs and vehicle performance – The performance level of the vehicle you need to insure makes a huge difference in determining your rates. The cheapest insurance rates are usually found on the lowest performance passenger cars, but other factors influence the final cost greatly.
The following chart uses these assumptions: single male driver age 40, full coverage with $500 deductibles, and no discounts or violations. It illustrates Ford F-150 car insurance rates compared to other makes and models that have different risk factors.
Insurance loss data for a Ford F-150 – Auto insurance companies study historical loss data in order to profitably underwrite each model. Vehicles that the data shows to have higher losses will have a higher cost to insure.
The data below shows the loss history for Ford F-150 vehicles. For each insurance policy coverage type, the loss probability for all vehicles, as a total average, is equal to 100. Values that are 100 or less are indicative of better than average losses, while values that are above 100 show a trend for more claims or a tendency for losses to be larger than average.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford F-150 SuperCab 4WD | 67 | 110 | 39 | |||
| Ford F-150 SuperCrew 2WD | 42 | 93 | 72 | |||
| Ford F-150 SuperCrew 4WD | 75 | 76 | 101 | 56 | 57 | 76 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Ford F-150 insurance rates and statistics
The rate table below highlights a range of insurance coverage prices for Ford F-150 models. Having insight into how rate quotes are determined can be of help when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $194 | $294 | $314 | $18 | $94 | $914 | $76 |
| F-150 STX Regular Cab 2WD | $194 | $376 | $314 | $18 | $94 | $996 | $83 |
| F-150 XL Super Cab 2WD | $194 | $376 | $314 | $18 | $94 | $996 | $83 |
| F-150 XLT Regular Cab 2WD | $194 | $376 | $314 | $18 | $94 | $996 | $83 |
| F-150 STX Super Cab 2WD | $194 | $376 | $314 | $18 | $94 | $996 | $83 |
| F-150 XL Crew Cab 2WD | $222 | $376 | $314 | $18 | $94 | $1,024 | $85 |
| F-150 XLT Super Cab 2WD | $222 | $376 | $314 | $18 | $94 | $1,024 | $85 |
| F-150 STX Regular Cab 4WD | $222 | $376 | $314 | $18 | $94 | $1,024 | $85 |
| F-150 XL Regular Cab 4WD | $222 | $376 | $314 | $18 | $94 | $1,024 | $85 |
| F-150 FX2 Super Cab 2WD | $222 | $376 | $314 | $18 | $94 | $1,024 | $85 |
| F-150 XLT Crew Cab 2WD | $222 | $376 | $314 | $18 | $94 | $1,024 | $85 |
| F-150 XL Super Cab 4WD | $222 | $376 | $314 | $18 | $94 | $1,024 | $85 |
| F-150 XLT Regular Cab 4WD | $222 | $376 | $314 | $18 | $94 | $1,024 | $85 |
| F-150 XL Crew Cab 4WD | $250 | $376 | $314 | $18 | $94 | $1,052 | $88 |
| F-150 STX Super Cab 4WD | $250 | $376 | $314 | $18 | $94 | $1,052 | $88 |
| F-150 XLT Super Cab 4WD | $250 | $376 | $314 | $18 | $94 | $1,052 | $88 |
| F-150 FX2 2WD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| F-150 Lariat Super Cab 2WD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| F-150 Lariat Crew Cab 2WD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| F-150 FX4 Super Cab 4WD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| F-150 XLT Crew Cab 4WD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| F-150 FX4 4WD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| F-150 Lariat Crew Cab 4WD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| F-150 SVT Raptor Super Cab 4WD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| F-150 Lariat Super Cab 4WD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| F-150 Lariat Crew Cab Platinum 2WD | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| F-150 Lariat Crew Cab Harley 2WD | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| F-150 Lariat King Ranch 2WD | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| F-150 Lariat King Ranch 4WD | $278 | $538 | $314 | $18 | $94 | $1,242 | $104 |
| F-150 Lariat Crew Cab Harley 4WD | $278 | $538 | $314 | $18 | $94 | $1,242 | $104 |
| F-150 Lariat Crew Cab Platinum 4WD | $278 | $538 | $314 | $18 | $94 | $1,242 | $104 |
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Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium costs do not factor in zip code location which can revise price quotes substantially.
Irresponsible driving raises your rates
The illustration below illustrates how speeding tickets and fender-benders influence Ford F-150 insurance premiums for each different age group. The premium estimates are based on a single male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
Should you buy full coverage?
The example below visualizes the comparison of Ford F-150 insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Nebraska. The rates are based on no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
Should you pay for full coverage?
There is no set rule for dropping comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let’s pretend your Ford F-150 book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after you pay the deductible. If it’s costing in excess of $500 annually for your policy with full coverage, then it might be time to buy liability only.
There are some conditions where dropping physical damage coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should maintain full coverage.
Get cheaper Ford F-150 insurance in Omaha with discounts
Auto insurance is not an enjoyable expense, but you may qualify for discounts to cut the cost considerably. Certain discounts will be triggered automatically when you purchase, but a few must be asked for before you get the savings.
- Drivers Ed for Students – Teen drivers should take driver’s ed class in school.
- Accident-Free Discounts – Claim-free drivers can earn big discounts in comparison to frequent claim filers.
- Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from Omaha and leave their car at home may qualify for this discount.
- Military Rewards – Being deployed in the military could mean lower prices.
- Drive Less and Save – Low annual miles can earn cheaper prices.
- Discount for Life Insurance – If the company offers life insurance, you could get a discounted auto insurance rate on car insurance if you buy some life insurance too.
A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, auto insurance companies aren’t that generous.
The information below visualizes the comparison of Ford F-150 insurance costs with and without discounts applied to the policy rates. The premiums assume a male driver, no claims or violations, Nebraska state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, multi-car, homeowner, and marriage discounts applied.
A partial list of companies that possibly offer most of these discounts include:
Double check with each company or agent to give you their best rates. Some of the discounts discussed earlier might not be available to policyholders in your state. If you would like to see a list of companies that offer multiple discounts in Omaha, click this link.
Best auto insurance company in Nebraska
Insuring your vehicle with the highest-rated car insurance company is hard considering how many different insurance companies sell coverage in Omaha. The information listed below can help you pick which car insurance companies to look at when comparing rates.
Top 10 Omaha Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- State Farm
- Liberty Mutual
- Allstate
- Safeco Insurance
- 21st Century
- Travelers
- Titan Insurance
Don’t give up on affordable rates
You just read many ways to shop for Ford F-150 insurance online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding affordable Omaha auto insurance quotes. You may even find the lowest rates are with the least-expected company. They may only write in your state and offer lower car insurance rates as compared to the big name companies such as Allstate, GEICO and Progressive.
Some companies don’t offer the ability to get quotes online and many times these small insurance companies only sell through independent agents. Discount Ford F-150 insurance can be purchased online and with local Omaha insurance agents, and you should be comparing both so you have a total pricing picture.
More information is available below:
- Coverage Information (Progressive Insurance)
- How Much are Car Insurance Quotes for State Employees in Omaha? (FAQ)
- How Much are Omaha Auto Insurance Rates for 18 Year Olds? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Low Mileage Drivers in Omaha? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Crash Avoidance Technologies FAQ (iihs.org)
- Top Signs Your Brakes are Giving Out (State Farm)