Ford F-350 Insurance Rates in Las Vegas

Insurance for Ford F-350Do you want to learn how to find low-cost Ford F-350 insurance in Las Vegas? No sane person looks forward to paying premiums for auto insurance, especially knowing their premiums are through the roof.

Statistics show that the vast majority of consumers kept their policy with the same company for at least the last four years, and just short of a majority have never shopped around. U.S. insurance shoppers could save up to $859 a year, but they don’t understand how simple it is to compare rates online.

Companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with ad campaigns and it is difficult to separate fact from fiction and find the best price available.

You need to quote other rates as often as possible because rates are variable and change quite frequently. Just because you found the lowest premium rates on Ford F-350 insurance in Las Vegas six months ago you can probably find a lower rate today. You’ll find a ton of advice on F-350 insurance on the internet, but by reading this article, you’re going to learn some excellent ideas to find cheap auto insurance in Las Vegas.

Earn discounts on Las Vegas auto insurance

Some companies don’t list their entire list of discounts in an easy-to-find place, so the following is a list of some of the best known and also the lesser-known credits that may apply to you.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, you’re out of luck.

The information below visualizes the comparison of Ford F-350 insurance premiums with and without some available policy discounts. The premiums assume a male driver, no claims or driving violations, Nevada state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, safe-driver, claim-free, and multi-car discounts applied.

Larger auto insurance companies and some of the discounts are shown below.

Before buying, ask all companies you are considering what discounts are available to you. Some of the earlier mentioned discounts might not be available to policyholders everywhere. If you would like to choose from a list of insurers that offer multiple discounts in Nevada, click here to view.

How to find cheap Ford F-350 insurance in Las Vegas, Nevada

When looking for the cheapest Ford F-350 rate quotes, there are a couple ways to compare rate quotes from many available auto insurance companies in Nevada. The recommended way to compare rates consists of shopping online.

Online shopping is fast and free, and it takes the place of having to go to and from local Las Vegas insurance agencies. Quoting Ford F-350 insurance online eliminates this option unless your situation requires the peace of mind only provided by licensed Las Vegas agents. If you prefer, some companies allow you to comparison shop your insurance online and have a local agent actually service the policy. Keep in mind that making a lot of price comparisons will enable you to find the best rates.

The car insurance companies shown below have been selected to offer free rate quotes in Nevada. If multiple companies are listed, it’s highly recommended you visit as many as you can to find the most competitive car insurance rates.

Ford F-350 insurance statistics and information

The data table shown next highlights different policy rates for Ford F-350 models. Understanding how car insurance premiums are determined can be of help when making smart choices when selecting a coverage provider.

Ford F-350 Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-350 XL Crew Cab 4WD $300 $564 $462 $28 $138 $1,492 $124
F-350 XL Super Cab 4WD $300 $564 $462 $28 $138 $1,492 $124
F-350 XL Super Cab 2WD $334 $478 $308 $18 $92 $1,230 $103
F-350 Super Cab Cabela Package 4WD $334 $564 $462 $28 $138 $1,526 $127
F-350 Super Cab Cabela Package 2WD $334 $564 $308 $18 $92 $1,316 $110
F-350 XL Crew Cab 2WD $334 $564 $308 $18 $92 $1,316 $110
F-350 Crew Cab Harley Edition 4WD $334 $564 $462 $28 $138 $1,526 $127
F-350 Super Cab Harley Edition 4WD $334 $564 $462 $28 $138 $1,526 $127
F-350 Crew Cab King Ranch 4WD $334 $564 $462 $28 $138 $1,526 $127
F-350 XLT Crew Cab 4WD $334 $564 $462 $28 $138 $1,526 $127
F-350 XL Super Cab Turbo Diesel 4WD $334 $564 $462 $28 $138 $1,526 $127
F-350 XLT Super Cab 4WD $334 $564 $462 $28 $138 $1,526 $127
F-350 XLT Super Cab 2WD $334 $564 $308 $18 $92 $1,316 $110
F-350 XL Crew Cab Cabela Package 2WD $334 $564 $308 $18 $92 $1,316 $110
F-350 XL Crew Cab King Ranch 2WD $334 $564 $308 $18 $92 $1,316 $110
F-350 Crew Cab Lariat 4WD $334 $650 $462 $28 $138 $1,612 $134
F-350 Crew Cab King Ranch Turbo Diesel 4WD $334 $650 $462 $28 $138 $1,612 $134
F-350 Crew Cab Cabela Package 4WD $334 $650 $462 $28 $138 $1,612 $134
F-350 XL Crew Cab Turbo Diesel 4WD $334 $650 $462 $28 $138 $1,612 $134
F-350 Super Cab Lariat 4WD $334 $650 $462 $28 $138 $1,612 $134
F-350 Super Cab Cabela Turbo Diesel 4WD $334 $650 $462 $28 $138 $1,612 $134
F-350 XLT Super Cab Turbo Diesel 4WD $334 $650 $462 $28 $138 $1,612 $134
F-350 Super Cab Lariat 2WD $368 $564 $308 $18 $92 $1,350 $113
F-350 XL Super Cab Turbo Diesel 2WD $368 $564 $308 $18 $92 $1,350 $113
F-350 Super Cab Harley Edition 2WD $368 $564 $308 $18 $92 $1,350 $113
F-350 XLT Crew Cab 2WD $368 $564 $308 $18 $92 $1,350 $113
F-350 XLT Crew Cab Lariat 2WD $368 $564 $308 $18 $92 $1,350 $113
F-350 XLT Crew Cab Harley Edition 2WD $368 $564 $308 $18 $92 $1,350 $113
F-350 XL Crew Cab Turbo Diesel 2WD $368 $564 $308 $18 $92 $1,350 $113
F-350 Super Cab Lariat Turbo Diesel 4WD $368 $650 $462 $28 $138 $1,646 $137
F-350 XLT Crew Cab Turbo Diesel 4WD $368 $650 $462 $28 $138 $1,646 $137
F-350 Crew Cab Harley Turbo Diesel 4WD $368 $650 $462 $28 $138 $1,646 $137
F-350 Super Cab Harley Turbo Diesel 4WD $368 $650 $462 $28 $138 $1,646 $137
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $368 $650 $308 $18 $92 $1,436 $120
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $368 $650 $308 $18 $92 $1,436 $120
F-350 Super Cab Harley Turbo Diesel 2WD $368 $650 $308 $18 $92 $1,436 $120
F-350 Super Cab Cabela Turbo Diesel 2WD $368 $650 $308 $18 $92 $1,436 $120
F-350 Super Cab XLT Turbo Diesel 2WD $368 $650 $308 $18 $92 $1,436 $120
F-350 Crew Cab Lariat Turbo Diesel 4WD $368 $650 $462 $28 $138 $1,646 $137
F-350 Crew Cab Cabela Turbo Diesel 4WD $368 $650 $462 $28 $138 $1,646 $137
F-350 Crew Cab Lariat Turbo Diesel 2WD $368 $650 $308 $18 $92 $1,436 $120
F-350 Super Cab Lariat Turbo Diesel 2WD $368 $650 $308 $18 $92 $1,436 $120
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium costs do not factor in specific zip code location which can change auto insurance rates substantially.

The chart below demonstrates how deductible levels and can raise or lower Ford F-350 premium costs for each age group. The costs are based on a single female driver, full physical damage coverage, and no policy discounts are applied.

Rate comparison of full coverage and liability-only

The example below shows the comparison of Ford F-350 annual premium costs with full physical damage coverage and with liability coverage only. The premiums assume a clean driving record, no claims, $100 deductibles, single status, and no discounts are applied to the premium.

Should you pay for full coverage?

There is no written rule to eliminate physical damage coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Ford F-350 replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after you pay the deductible. If premiums are more than $800 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some scenarios where dropping full coverage is not advised. If you still owe money on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Smart Consumers Know How to Find Auto Insurance for Less

Part of the auto insurance buying process is learning a few of the rating criteria that come into play when calculating the level of your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you big savings.

Don’t assume everyone needs the same auto insurance coverage

When quoting and comparing proper insurance coverage, there really isn’t a cookie cutter policy. Everyone’s situation is unique and your auto insurance should be unique as well. For example, these questions can help discover whether or not you could use an agent’s help.

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance quotes from local Las Vegas insurance agents

Many people still prefer to buy from a licensed agent and that can be a great decision A nice benefit of comparing auto insurance online is the fact that drivers can get lower premium rates but still work with a licensed agent. And providing support for small agencies is especially important in Las Vegas.

Once you complete this form (opens in new window), your coverage information is submitted to agents in your area who will return price quotes to get your business. There is no need to search for any insurance agencies because prices are sent directly to you. You can find the lowest rates AND a local agent. If you want to get a comparison quote from one company in particular, feel free to search and find their rate quote page and complete a quote there.

When narrowing the list to find a local Las Vegas insurance agent, you need to know there are two types of insurance agents and how they are distinctly different. Agencies in Las Vegas can be classified as either independent agents or exclusive agents.

Independent Auto Insurance Agencies or Brokers

Agents of this type are not restricted to one company so they have the ability to put coverage with a variety of different insurance companies and help determine which has the cheapest rates. If you want to switch companies, they simply move your policy to a different company which requires no work on your part. If you are comparing auto insurance prices, you absolutely need to get rate quotes from a couple of independent agencies in order to have the best price comparison.

Shown below is a list of independent agencies in Las Vegas that can give you free price quotes.

3085 S Jones BlvdLas Vegas, NV 89146(702) 477-7776View Map

3211 N Tenaya Way #115Las Vegas, NV 89129(702) 363-8040View Map

5225 S Durango DrLas Vegas, NV 89113(702) 638-0022View Map

More Las Vegas agents

Exclusive Auto Insurance Agencies

These agents are contracted to one company like Farmers Insurance and State Farm. These agents are not able to give you multiple price quotes so you need to shop around if the rates are high. Exclusive agents are very knowledgeable in insurance sales which helps overcome the inability to quote other rates.

Shown below is a list of exclusive insurance agents in Las Vegas that can give you price quotes.

2920 S Rainbow Blvd #100Las Vegas, NV 89146(702) 871-8338View Map

Juan Diaz – State Farm Insurance Agent
1718 S Eastern AveLas Vegas, NV 89104(702) 489-4242View Map

11700 W Charleston Blvd #175Las Vegas, NV 89135(702) 870-3663View Map

More Las Vegas agents

Picking an car insurance agent needs to be determined by more than just a cheap price quote. Any agent in Las Vegas should be forthright in answering these questions:

Why you need to buy auto insurance

Despite the potentially high cost of Ford F-350 insurance, insurance is required by state law in Nevada and it also provides benefits you may not be aware of.

First, the majority of states have minimum liability requirements which means you are required to carry a specific level of liability coverage in order to be legal. 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.

Second, if your car has a lienholder, almost all lenders will require you to carry insurance to guarantee their interest in the vehicle. If the policy lapses, the bank or lender will purchase a policy for your Ford at a much higher rate and force you to pay a much higher amount than you were paying before.

Third, insurance protects both your vehicle and your assets. Insurance will pay for medical bills for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers legal expenses if you cause an accident and 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 auto insurance are definitely more than the cost, especially for larger claims. But the average American driver is wasting up to $820 a year so it’s recommended you shop around at every policy renewal to ensure rates are competitive.

Which auto insurance company is best in Nevada?

Picking a highly-rated insurer is difficult considering how many companies there are in Nevada. The rank data displayed below could help you choose which auto insurers to look at shopping your coverage with.

Top Auto Insurance Companies in Las Vegas
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: Best Car Insurance Companies

The best insurance company isn’t always the cheapest

When searching for cheaper Las Vegas auto insurance quotes, it’s very important that you do not buy less coverage just to save a little money. Too many times, an insured cut liability limits or collision coverage and discovered at claim time that they should have had better coverage. The aim is to buy a smart amount of coverage for the lowest price and still be able to protect your assets.

The cheapest Ford F-350 insurance in Las Vegas can be purchased on the web and also from your neighborhood Las Vegas agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies don’t offer rate quotes online and many times these regional insurance providers work with local independent agencies.

How to buy cheaper Ford F-350 insurance in Las Vegas

Really, the only way to find more affordable Ford F-350 insurance in Las Vegas is to start comparing prices regularly from providers who can sell car insurance in Nevada.

One piece of advice is to try to compare the same coverage limits and deductibles on each price quote and and to analyze all possible companies. This enables an apples-to-apples comparison and the best price quote selection.

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