A recent insurance study revealed that over 70% of drivers kept buying from the same company for over three years, and nearly half have never taken the time to shop around. With the average insurance premium being $1,440, Omaha drivers could save approximately $388 every year, but they don’t believe how much they could save if they moved their coverage to a different company.
If you want to save the most money, the best way to get cheaper Ford F-350 insurance is to start doing a yearly price comparison from insurers that insure vehicles in Omaha. You can shop around by following these guidelines.
First, take a little time to learn about how your policy works and the measures you can take to prevent expensive coverage. Many rating criteria that cause rate increases like tickets, at-fault accidents, and a substandard credit score can be controlled by making minor changes to your lifestyle.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like Progressive and State Farm, while agents who are independent can give you price quotes from multiple companies.
Third, compare the new rates to your existing rates to determine if switching companies saves money. If you find a better price and change companies, verify that coverage does not lapse between policies.
Fourth, provide written notification to your current company of your decision to cancel the current policy. Submit payment along with a signed and completed policy application for your new coverage. Immediately upon receiving it, place your new proof of insurance certificate with your vehicle’s registration.
One thing to point out is that you’ll want to make sure you compare similar limits and deductibles on every quote request and and to get quotes from as many carriers as you can. This ensures an accurate price comparison and a good representation of prices.
Choosing the most cost-effective auto insurance policy in Omaha is actually very simple if you learn how to start. If you have a policy now, you should be able to buy cheaper auto insurance using the ideas presented in this article. Shoppers just have to learn the most time-saving way to compare company rates using one simple form.
All major insurance companies give price estimates on the web. Getting online quotes for Ford F-350 insurance in Omaha is fairly simple as you simply enter the coverage amounts you desire into a form. Once entered, their system will obtain reports for credit and driving violations and provides a quote based on many factors.
Using the web to get price quotes for Ford F-350 insurance in Omaha streamlines rate comparisons, and it’s necessary to perform this step if you want to find the lowest payment on insurance.
To find out how much you’re overpaying now, compare rate quotes from the providers shown below. If you have coverage now, it’s recommended you copy the insurance coverages exactly as they are listed on your policy. Doing this guarantees you will receive rate comparison quotes for exact coverage.
The companies shown below are our best choices to provide free quotes in Omaha, NE. To find the best cheap car insurance in Nebraska, we recommend you visit as many as you can to find the most competitive car insurance rates.
Statistics and details
The premium table below highlights different insurance prices for Ford F-350 models. Having a better understanding of how insurance prices are formulated can help guide drivers when making smart choices when selecting a coverage provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-350 XL Crew Cab 4WD||$254||$450||$458||$28||$138||$1,328||$111|
|F-350 XL Super Cab 4WD||$254||$450||$458||$28||$138||$1,328||$111|
|F-350 XL Super Cab 2WD||$282||$382||$306||$18||$92||$1,080||$90|
|F-350 Super Cab Cabela Package 4WD||$282||$450||$458||$28||$138||$1,356||$113|
|F-350 Super Cab Cabela Package 2WD||$282||$450||$306||$18||$92||$1,148||$96|
|F-350 XL Crew Cab 2WD||$282||$450||$306||$18||$92||$1,148||$96|
|F-350 Crew Cab Harley Edition 4WD||$282||$450||$458||$28||$138||$1,356||$113|
|F-350 Super Cab Harley Edition 4WD||$282||$450||$458||$28||$138||$1,356||$113|
|F-350 Crew Cab King Ranch 4WD||$282||$450||$458||$28||$138||$1,356||$113|
|F-350 XLT Crew Cab 4WD||$282||$450||$458||$28||$138||$1,356||$113|
|F-350 XL Super Cab Turbo Diesel 4WD||$282||$450||$458||$28||$138||$1,356||$113|
|F-350 XLT Super Cab 4WD||$282||$450||$458||$28||$138||$1,356||$113|
|F-350 XLT Super Cab 2WD||$282||$450||$306||$18||$92||$1,148||$96|
|F-350 XL Crew Cab Cabela Package 2WD||$282||$450||$306||$18||$92||$1,148||$96|
|F-350 XL Crew Cab King Ranch 2WD||$282||$450||$306||$18||$92||$1,148||$96|
|F-350 Crew Cab Lariat 4WD||$282||$518||$458||$28||$138||$1,424||$119|
|F-350 Crew Cab King Ranch Turbo Diesel 4WD||$282||$518||$458||$28||$138||$1,424||$119|
|F-350 Crew Cab Cabela Package 4WD||$282||$518||$458||$28||$138||$1,424||$119|
|F-350 XL Crew Cab Turbo Diesel 4WD||$282||$518||$458||$28||$138||$1,424||$119|
|F-350 Super Cab Lariat 4WD||$282||$518||$458||$28||$138||$1,424||$119|
|F-350 Super Cab Cabela Turbo Diesel 4WD||$282||$518||$458||$28||$138||$1,424||$119|
|F-350 XLT Super Cab Turbo Diesel 4WD||$282||$518||$458||$28||$138||$1,424||$119|
|F-350 Super Cab Lariat 2WD||$312||$450||$306||$18||$92||$1,178||$98|
|F-350 XL Super Cab Turbo Diesel 2WD||$312||$450||$306||$18||$92||$1,178||$98|
|F-350 Super Cab Harley Edition 2WD||$312||$450||$306||$18||$92||$1,178||$98|
|F-350 XLT Crew Cab 2WD||$312||$450||$306||$18||$92||$1,178||$98|
|F-350 XLT Crew Cab Lariat 2WD||$312||$450||$306||$18||$92||$1,178||$98|
|F-350 XLT Crew Cab Harley Edition 2WD||$312||$450||$306||$18||$92||$1,178||$98|
|F-350 XL Crew Cab Turbo Diesel 2WD||$312||$450||$306||$18||$92||$1,178||$98|
|F-350 Super Cab Lariat Turbo Diesel 4WD||$312||$518||$458||$28||$138||$1,454||$121|
|F-350 XLT Crew Cab Turbo Diesel 4WD||$312||$518||$458||$28||$138||$1,454||$121|
|F-350 Crew Cab Harley Turbo Diesel 4WD||$312||$518||$458||$28||$138||$1,454||$121|
|F-350 Super Cab Harley Turbo Diesel 4WD||$312||$518||$458||$28||$138||$1,454||$121|
|F-350 XLT Crew Cab Cabela Turbo Diesel 2WD||$312||$518||$306||$18||$92||$1,246||$104|
|F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD||$312||$518||$306||$18||$92||$1,246||$104|
|F-350 Super Cab Harley Turbo Diesel 2WD||$312||$518||$306||$18||$92||$1,246||$104|
|F-350 Super Cab Cabela Turbo Diesel 2WD||$312||$518||$306||$18||$92||$1,246||$104|
|F-350 Super Cab XLT Turbo Diesel 2WD||$312||$518||$306||$18||$92||$1,246||$104|
|F-350 Crew Cab Lariat Turbo Diesel 4WD||$312||$518||$458||$28||$138||$1,454||$121|
|F-350 Crew Cab Cabela Turbo Diesel 4WD||$312||$518||$458||$28||$138||$1,454||$121|
|F-350 Crew Cab Lariat Turbo Diesel 2WD||$312||$518||$306||$18||$92||$1,246||$104|
|F-350 Super Cab Lariat Turbo Diesel 2WD||$312||$518||$306||$18||$92||$1,246||$104|
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Information does not factor in Omaha location which can modify auto insurance rates considerably.
Ford F-350 insurance rates: Men versus women
The information below compares Ford F-350 annual premium costs for male and female drivers. The data assumes no violations or claims, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are applied to the premium.
Ford F-350 liability rates compared to full coverage
The illustration below shows the difference between Ford F-350 insurance rates when comparing full coverage to liability only. The premium estimates are based on no claims or driving violations, $500 deductibles, drivers are not married, and no other discounts are factored in.
Should you buy full coverage or liability only?
There is no specific rule for phasing out physical damage insurance, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s pretend your Ford F-350 replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $3,000 after the policy deductible has been paid. If it’s costing you more than $300 annually for physical damage coverage, then you may need to consider dropping full coverage.
There are a few cases where dropping physical damage 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 can’t afford to buy a different vehicle if your current one is in an accident, you should not opt for liability only.
Cheap Ford F-350 insurance rates in Omaha
Not too many consumers would say auto insurance is affordable, but you may qualify for discounts that can help lower your rates. A few discounts will be applied at the time of quoting, but some may not be applied and must be manually applied before you get the savings.
- Bundled Policy Discount – If you have multiple policies with one company they may give you a discount of nearly 15% which can help you find the cheapest Ford F-350 insurance in Omaha.
- Cautious Driver Discount – Insureds without accidents can pay as much as 50% less than drivers with accidents.
- Save over 55 – Drivers over the age of 55 can get a small decrease in premiums.
- Sign Early and Save – Some auto insurance companies give discounts for buying a policy prior to the expiration date on your current F-350 insurance policy. You can save around 10% with this discount.
- Organization Discounts – Having an affiliation with a professional or civic organization is a good way to get lower rates on your bill.
- Defensive Driving Course – Passing a course that instructs on driving safety could possibly earn you a 5% discount if your company offers it.
Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it appears all the discounts add up to a free policy, companies wouldn’t make money that way.
The diagram below illustrates the difference between Ford F-350 premium costs with and without discounts applied to the rates. The prices are based on a female driver, no driving violations, no at-fault accidents, Nebraska 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 marriage, multi-car, homeowner, claim-free, multi-policy, and safe-driver discounts applied.
The best auto insurance companies and some of the discounts are outlined below.
- 21st Century may have discounts that include homeowners, theft prevention, good student, defensive driver, and driver training.
- Progressive has savings for multi-vehicle, continuous coverage, online quote discount, online signing, good student, homeowner, and multi-policy.
- State Farm may offer discounts for passive restraint, defensive driving training, accident-free, good student, and driver’s education.
- Nationwide may include discounts for good student, easy pay, family plan, anti-theft, multi-policy, and accident-free.
- Esurance offers discounts including claim free, online quote, defensive driver, good student, anti-lock brakes, paid-in-full, and Switch & Save.
- The Hartford offers premium reductions for air bag, anti-theft, bundle, good student, and driver training.
Before you buy a policy, ask all the companies to give you their best rates. A few discounts may not apply to policies in Omaha. To choose insurers who offer auto insurance discounts in Nebraska, click here.
Choosing the best Ford vehicle insurance in Nebraska is an important decision
Despite the potentially high cost of Ford F-350 insurance, buying insurance may be mandatory for several reasons.
First, most states have mandatory insurance requirements which means you are required to buy a minimum amount of liability in order to drive the car legally. 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.
Second, if you took out a loan on your F-350, it’s most likely the lender will stipulate that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the lender will be forced to insure your Ford for a lot more money and require you to pay for the expensive policy.
Third, insurance protects both your Ford and your personal assets. It will also reimburse you for all forms of medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense in the event you are sued. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of having insurance greatly outweigh the cost, especially if you ever need it. According to a recent study, the average American driver overpays as much as $865 each year so compare rate quotes at every renewal to ensure rates are inline.
Which car insurance company is best in Omaha?
Finding the highest-rated company can be rather challenging considering how many companies there are to choose from in Omaha. The ranking information shown below could help you choose which companies you want to consider comparing rates with.
Top 10 Omaha Car Insurance Companies by A.M. Best Rank
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Progressive – A+
- Mercury Insurance – A+
- The Hartford – A+
- Nationwide – A+
- Esurance – A+
When to contact a local insurance agent
A lot of people just prefer to talk to an insurance agent and there is nothing wrong with that. Professional insurance agents can answer important questions and help you file claims. A nice benefit of getting free rate quotes online is that you can find lower prices and still have an agent to talk to.
To make it easy to find an agent, after completing this form (opens in new window), your information is immediately sent to companies in Omaha that give free quotes for your auto insurance coverage. There is no need to contact any agents since rate quotes are delivered immediately to your email address. If you need to get a rate quote from one company in particular, you would need to navigate to their website and fill out the quote form the provide.
Finding a good insurer requires you to look at more than just the quoted price. A good agent in Omaha will have answers to these questions.
- What insurance company do they write the most business with?
- Do they offer accident forgiveness?
- When do they do policy reviews?
- What insurance companies do they recommend if they are an independent agent?
- Do they receive special compensation for putting your coverage with one company over another?
Choose the right car insurance agent
If you prefer to buy auto insurance from a local agent, you need to know there are two different agency structures that differ in how they can insure your vehicles. Auto insurance policy providers are categorized either exclusive or independent (non-exclusive). Both write policy coverage, but it’s worth mentioning how they are different because it can impact your agent selection.
Exclusive agencies can usually just insure with one company and examples are Allstate and State Farm. These agents are not able to provide other company’s prices so it’s a take it or leave it situation. Exclusive agents receive extensive training on their company’s products and that allows them to sell at a higher price point. A lot of people buy insurance from these agents mostly because of the prominent brand name rather than having the cheapest rates.
Below are exclusive agents in Omaha that can give you price quotes.
- Rudy Partida – State Farm Insurance Agent
639 N 98th St – Omaha, NE 68114 – (402) 333-5104 – View Map
- State Farm: Kyle Emsick
1018 Dodge St #2 – Omaha, NE 68102 – (402) 558-5060 – View Map
- American Family Insurance – Steven Moor Agency Inc.
13358 W Maple Rd – Omaha, NE 68164 – (402) 399-8200 – View Map
Independent Agents (or Brokers)
Independent insurance agents do not sell for just one brand and that gives them the ability to insure with many different companies and find you the best rates. If they find a cheaper price, your agent can just switch to a different company without you having to go to a different agency. When shopping rates, we recommend you check rates from at least one independent agent in order to have the best price comparison. Most have the option of insuring with small mutual carriers that may have much lower rates than larger companies.
Below are Omaha independent insurance agencies that can give you price quote information.
- Southwell Insurance Agency, LLC.
2809 S 160th St #307 – Omaha, NE 68130 – (402) 493-6940 – View Map
- BW Insurance Agency, Inc.
13906 Gold Cir # 103 – Omaha, NE 68144 – (402) 918-0102 – View Map
- Omaha Insurance Services, Inc.
11132 O St – Omaha, NE 68137 – (402) 592-4455 – View Map