Save Money on Ford F-350 Insurance in Lincoln

Discount Ford F-350 insuranceThe easiest way to get cheaper Ford F-350 insurance in Lincoln is to regularly compare quotes from providers that insure vehicles in Nebraska. This can be done by following these guidelines.

One piece of advice is to try to compare similar limits and deductibles on every price quote and and to get quotes from as many companies as you can. Doing this helps ensure a fair rate comparison and the most accurate and complete price analysis.

Shockingly, nearly 70% of customers have been with the same company for well over three years, and virtually 40% of consumers have never shopped around. Drivers in Nebraska could save themselves approximately $400 a year just by getting comparison quotes, but they don’t invest the time required to find cheap insurance by shopping around.

Save a ton on Ford F-350 insurance in Lincoln with these discounts

Properly insuring your vehicles can get expensive, but you may qualify for discounts that may help make it more affordable. Most are applied at quote time, but a few need to be manually applied prior to receiving the credit.

Consumers should know that most discount credits are not given to the entire policy premium. Most cut specific coverage prices like medical payments or collision. Even though the math looks like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

The example below shows the difference between Ford F-350 auto insurance rates with and without discounts applied to the premium. The prices are based on a female driver, a clean driving record, no at-fault accidents, Nebraska state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, claim-free, safe-driver, and multi-car discounts applied.

A few of the larger companies and their possible discounts are included below.

When comparing rates, check with every company to give you their best rates. Some of the discounts discussed earlier might not be available to policyholders in your area. To see a list of companies with the best discounts in Lincoln, click this link.

Lowering your auto insurance rates is actually quite simple. All you need to do is spend a little time to get quotes to discover which company has affordable Lincoln car insurance quotes.

The auto insurance companies shown below have been selected to offer free rate quotes in Lincoln, NE. In order to find cheaper auto insurance in Lincoln, NE, we suggest you visit several of them to get a more complete price comparison.

Rates and detailed analysis

The rate table below showcases a range of insurance rates for Ford F-350 models. Understanding more about how insurance prices are figured can aid in making decisions on which insurance to purchase.

Ford F-350 Insurance Rates in Lincoln, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-350 XL Crew Cab 4WD $264 $506 $464 $28 $138 $1,400 $117
F-350 XL Super Cab 4WD $264 $506 $464 $28 $138 $1,400 $117
F-350 XL Super Cab 2WD $296 $428 $308 $18 $92 $1,142 $95
F-350 Super Cab Cabela Package 4WD $296 $506 $464 $28 $138 $1,432 $119
F-350 Super Cab Cabela Package 2WD $296 $506 $308 $18 $92 $1,220 $102
F-350 XL Crew Cab 2WD $296 $506 $308 $18 $92 $1,220 $102
F-350 Crew Cab Harley Edition 4WD $296 $506 $464 $28 $138 $1,432 $119
F-350 Super Cab Harley Edition 4WD $296 $506 $464 $28 $138 $1,432 $119
F-350 Crew Cab King Ranch 4WD $296 $506 $464 $28 $138 $1,432 $119
F-350 XLT Crew Cab 4WD $296 $506 $464 $28 $138 $1,432 $119
F-350 XL Super Cab Turbo Diesel 4WD $296 $506 $464 $28 $138 $1,432 $119
F-350 XLT Super Cab 4WD $296 $506 $464 $28 $138 $1,432 $119
F-350 XLT Super Cab 2WD $296 $506 $308 $18 $92 $1,220 $102
F-350 XL Crew Cab Cabela Package 2WD $296 $506 $308 $18 $92 $1,220 $102
F-350 XL Crew Cab King Ranch 2WD $296 $506 $308 $18 $92 $1,220 $102
F-350 Crew Cab Lariat 4WD $296 $582 $464 $28 $138 $1,508 $126
F-350 Crew Cab King Ranch Turbo Diesel 4WD $296 $582 $464 $28 $138 $1,508 $126
F-350 Crew Cab Cabela Package 4WD $296 $582 $464 $28 $138 $1,508 $126
F-350 XL Crew Cab Turbo Diesel 4WD $296 $582 $464 $28 $138 $1,508 $126
F-350 Super Cab Lariat 4WD $296 $582 $464 $28 $138 $1,508 $126
F-350 Super Cab Cabela Turbo Diesel 4WD $296 $582 $464 $28 $138 $1,508 $126
F-350 XLT Super Cab Turbo Diesel 4WD $296 $582 $464 $28 $138 $1,508 $126
F-350 Super Cab Lariat 2WD $326 $506 $308 $18 $92 $1,250 $104
F-350 XL Super Cab Turbo Diesel 2WD $326 $506 $308 $18 $92 $1,250 $104
F-350 Super Cab Harley Edition 2WD $326 $506 $308 $18 $92 $1,250 $104
F-350 XLT Crew Cab 2WD $326 $506 $308 $18 $92 $1,250 $104
F-350 XLT Crew Cab Lariat 2WD $326 $506 $308 $18 $92 $1,250 $104
F-350 XLT Crew Cab Harley Edition 2WD $326 $506 $308 $18 $92 $1,250 $104
F-350 XL Crew Cab Turbo Diesel 2WD $326 $506 $308 $18 $92 $1,250 $104
F-350 Super Cab Lariat Turbo Diesel 4WD $326 $582 $464 $28 $138 $1,538 $128
F-350 XLT Crew Cab Turbo Diesel 4WD $326 $582 $464 $28 $138 $1,538 $128
F-350 Crew Cab Harley Turbo Diesel 4WD $326 $582 $464 $28 $138 $1,538 $128
F-350 Super Cab Harley Turbo Diesel 4WD $326 $582 $464 $28 $138 $1,538 $128
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $326 $582 $308 $18 $92 $1,326 $111
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $326 $582 $308 $18 $92 $1,326 $111
F-350 Super Cab Harley Turbo Diesel 2WD $326 $582 $308 $18 $92 $1,326 $111
F-350 Super Cab Cabela Turbo Diesel 2WD $326 $582 $308 $18 $92 $1,326 $111
F-350 Super Cab XLT Turbo Diesel 2WD $326 $582 $308 $18 $92 $1,326 $111
F-350 Crew Cab Lariat Turbo Diesel 4WD $326 $582 $464 $28 $138 $1,538 $128
F-350 Crew Cab Cabela Turbo Diesel 4WD $326 $582 $464 $28 $138 $1,538 $128
F-350 Crew Cab Lariat Turbo Diesel 2WD $326 $582 $308 $18 $92 $1,326 $111
F-350 Super Cab Lariat Turbo Diesel 2WD $326 $582 $308 $18 $92 $1,326 $111
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rates do not factor in specific zip code location which can influence price quotes considerably.

The chart below demonstrates how choosing different deductibles and can influence Ford F-350 annual premium costs for different age categories. The price estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

Comparison of car insurance rates by gender

The example below compares Ford F-350 auto insurance costs for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, comp and collision included, $500 deductibles, drivers are single, and no discounts are applied to the premium.

Do you need full coverage?

The diagram below illustrates the comparison of Ford F-350 car insurance costs with full coverage and liability only. The premium estimates are based on a clean driving record, no claims, $1,000 deductibles, single marital status, and no other discounts are factored in.

When to stop buying physical damage coverage

There isn’t a steadfast formula to delete full coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s assume your Ford F-350 settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $4,000 after paying your deductible. If you are paying more than $400 annually to have full coverage, then you may need to consider dropping full coverage.

There are some conditions where dropping physical damage coverage is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

How Insurers Determine Ford F-350 Insurance Costs

Smart consumers have a good feel for some of the factors that go into determining the price you pay for car insurance. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that could help you find better car insurance rates. Multiple criteria are used when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but other factors are more obscure such as your marital status or your financial responsibility.

What is the best car insurance coverage?

When quoting and comparing insurance from an agent or online, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might point out whether your personal situation may require specific advice.

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

When to talk to an insurance agent

Some consumers would prefer to sit down and talk to an agent and that is a personal choice. Experienced insurance agents can help you choose the best coverages and give you someone to call. One of the benefits of comparing rates online is that drivers can save money and get cheap car insurance quotes but also keep your business local.

To find an agent, once you fill out this form (opens in new window), your coverage information is submitted to companies in Lincoln who will gladly provide quotes for your coverage. There is no need to contact any agents because quoted prices will be sent directly to your email. If you need to compare rates from a specific company, just go to their quote page and fill out their quote form.

Deciding on an company is decision based upon more than just a cheap price. Here are some questions to ask:

If you’re trying to find a good Lincoln insurance agent, there are a couple of types of agencies and how they are distinctly different. Lincoln agents can be classified as either exclusive or independent agents depending on their company appointments. Both can provide car insurance policies, but we need to point out the difference in how they write coverage since it can affect the kind of agent you use.

Exclusive Insurance Agencies

Exclusive agencies write business for a single company like Allstate, State Farm and Farm Bureau. Exclusive agents cannot compare other company’s rates so it’s a take it or leave it situation. Exclusive agencies are trained well on their company’s products which helps them sell on service rather than price. Consumers sometimes buy from exclusive agents primarily because of high brand loyalty and the convenience of having all coverages with one company.

Below are Lincoln exclusive agencies that can give you price quote information.

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Independent Car Insurance Agents

These type of agents can sell policies from many different companies so they can write business with a variety of different insurance companies and find you cheaper rates. If your premiums go up, the agent simply finds a different carrier and you won’t have to switch agencies. If you are trying to find cheaper rates, you absolutely need to include rate quotes from multiple independent agents in order to have the best price comparison. Most also write with smaller mutual companies which may have better rates.

Listed below is a list of independent agencies in Lincoln that are able to give comparison quotes.

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Why you need auto insurance

Despite the fact that auto insurance is not cheap in Lincoln, insuring your vehicle is most likely required but also gives you several important benefits.

The benefits of buying enough insurance more than cancel out the cost, especially with large liability claims. On average, a vehicle owner in Lincoln is currently overpaying as much as $865 each year so shop around at every renewal to make sure the price is not too high.

Shop smart and save

When searching for cheaper Lincoln car insurance quotes, it’s not a good idea to buy poor coverage just to save money. There are many occasions where someone sacrificed liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

We just covered some good ideas how you can find lower-cost Ford F-350 insurance in Lincoln. The key thing to remember is the more companies you get prices for, the higher the chance of saving money. Consumers could even find that the lowest premium rates come from a lesser-known regional company. These smaller insurers may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.

Additional information can be found below: