The most effective way to get discount auto insurance rates in Lincoln is to compare quotes once a year from companies who provide car insurance in Nebraska. Prices can be compared by completing these steps.
First, try to learn about car insurance and the measures you can take to keep rates down. Many policy risk factors that result in higher rates such as traffic citations, accidents, and a low credit rating can be rectified by paying attention to minor details. Later in this article we will cover additional tips to help prevent costly coverage and find missing discounts.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like GEICO and State Farm, while independent agents can provide rate quotes from multiple companies.
Third, compare the new quotes to your existing rates to see if switching to a new carrier will save money. If you find better rates and make a switch, make sure coverage is continuous and does not lapse.
Fourth, provide notification to your current agent or company of your intent to cancel your current car insurance policy. Submit the application along with any required down payment to the new insurer. Make sure you store the proof of insurance certificate with the vehicle registration.
The critical component of shopping around is to use the same amount of coverage on each quote and and to look at as many companies as possible. Doing this helps ensure an apples-to-apples comparison and maximum price selection.
It’s safe to conclude that insurance companies want to prevent you from shopping around. People who shop around for the cheapest price are likely to move their business because the odds are good of finding more affordable rates. A survey found that drivers who compared prices once a year saved over $70 a month compared to those who never shopped around.
If finding discount rates on car insurance in Lincoln is your objective, then learning a little about the best way to compare insurance premiums can help you succeed in finding affordable rates.
Best Ford F-250 insurance price quotes in Nebraska
The following companies are ready to provide price comparisons in Lincoln, NE. In order to find cheap auto insurance in Lincoln, we recommend you visit as many as you can in order to get a fair rate comparison.
Ford F-250 insurance statistics and information
The premium information shown below outlines estimates of coverage prices for Ford F-250 models. Having knowledge of how insurance policy premiums are figured can aid in making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $180 | $332 | $326 | $20 | $98 | $956 | $80 |
| F-250 XL Cabela Package 2WD | $204 | $390 | $326 | $20 | $98 | $1,038 | $87 |
| F-250 XL Super Cab 2WD | $204 | $390 | $326 | $20 | $98 | $1,038 | $87 |
| F-250 XLT 2WD | $204 | $390 | $326 | $20 | $98 | $1,038 | $87 |
| F-250 XL 4WD | $204 | $332 | $360 | $22 | $108 | $1,026 | $86 |
| F-250 XLT Super Cab 2WD | $204 | $390 | $326 | $20 | $98 | $1,038 | $87 |
| F-250 XL Super Cab Cabela Package 2WD | $204 | $390 | $326 | $20 | $98 | $1,038 | $87 |
| F-250 XL Harley Edition 2WD | $204 | $390 | $326 | $20 | $98 | $1,038 | $87 |
| F-250 XL Crew Cab 2WD | $204 | $390 | $326 | $20 | $98 | $1,038 | $87 |
| F-250 XLT 4WD | $204 | $390 | $360 | $22 | $108 | $1,084 | $90 |
| F-250 XL Cabela Package 4WD | $204 | $390 | $360 | $22 | $108 | $1,084 | $90 |
| F-250 XL Crew Cab 4WD | $204 | $390 | $360 | $22 | $108 | $1,084 | $90 |
| F-250 XL Super Cab 4WD | $204 | $390 | $360 | $22 | $108 | $1,084 | $90 |
| F-250 XL Crew Cab Cabela Package 2WD | $204 | $450 | $326 | $20 | $98 | $1,098 | $92 |
| F-250 XL Super Cab Harley Edition 2WD | $204 | $450 | $326 | $20 | $98 | $1,098 | $92 |
| F-250 XL Turbo Diesel 2WD | $204 | $450 | $326 | $20 | $98 | $1,098 | $92 |
| F-250 King Ranch Crew Cab 2WD | $204 | $450 | $326 | $20 | $98 | $1,098 | $92 |
| F-250 XLT Crew Cab 2WD | $204 | $450 | $326 | $20 | $98 | $1,098 | $92 |
| F-250 XL Super Cab Cabela Package 4WD | $228 | $390 | $360 | $22 | $108 | $1,108 | $92 |
| F-250 XLT Super Cab 4WD | $228 | $390 | $360 | $22 | $108 | $1,108 | $92 |
| F-250 XL Harley Edition 4WD | $228 | $390 | $360 | $22 | $108 | $1,108 | $92 |
| F-250 King Ranch Crew Cab 4WD | $228 | $390 | $360 | $22 | $108 | $1,108 | $92 |
| F-250 Lariat Crew Cab 2WD | $228 | $450 | $326 | $20 | $98 | $1,122 | $94 |
| F-250 XL Super Cab Turbo Diesel 2WD | $228 | $450 | $326 | $20 | $98 | $1,122 | $94 |
| F-250 XL Crew Cab Harley Edition 2WD | $228 | $450 | $326 | $20 | $98 | $1,122 | $94 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $228 | $450 | $326 | $20 | $98 | $1,122 | $94 |
| F-250 Lariat Super Cab 2WD | $228 | $450 | $326 | $20 | $98 | $1,122 | $94 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $228 | $450 | $326 | $20 | $98 | $1,122 | $94 |
| F-250 XLT Turbo Diesel 2WD | $228 | $450 | $326 | $20 | $98 | $1,122 | $94 |
| F-250 XL Cabela Turbo Diesel 2WD | $228 | $450 | $326 | $20 | $98 | $1,122 | $94 |
| F-250 XLT Turbo Diesel 4WD | $228 | $390 | $360 | $22 | $108 | $1,108 | $92 |
| F-250 XLT Crew Cab 4WD | $228 | $390 | $360 | $22 | $108 | $1,108 | $92 |
| F-250 XL Super Cab Turbo Diesel 4WD | $228 | $390 | $360 | $22 | $108 | $1,108 | $92 |
| F-250 XL Crew Cab Harley Edition 4WD | $228 | $390 | $360 | $22 | $108 | $1,108 | $92 |
| F-250 XL Cabela Turbo Diesel 4WD | $228 | $390 | $360 | $22 | $108 | $1,108 | $92 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $228 | $390 | $360 | $22 | $108 | $1,108 | $92 |
| F-250 Lariat Super Cab 4WD | $228 | $390 | $360 | $22 | $108 | $1,108 | $92 |
| F-250 XL Turbo Diesel 4WD | $228 | $390 | $360 | $22 | $108 | $1,108 | $92 |
| F-250 XL Super Cab Harley Edition 4WD | $228 | $390 | $360 | $22 | $108 | $1,108 | $92 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $228 | $450 | $326 | $20 | $98 | $1,122 | $94 |
| F-250 XL Harley Turbo Diesel 2WD | $228 | $450 | $326 | $20 | $98 | $1,122 | $94 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $228 | $450 | $326 | $20 | $98 | $1,122 | $94 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $228 | $450 | $326 | $20 | $98 | $1,122 | $94 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $228 | $450 | $326 | $20 | $98 | $1,122 | $94 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $228 | $450 | $326 | $20 | $98 | $1,122 | $94 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $228 | $450 | $326 | $20 | $98 | $1,122 | $94 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $228 | $450 | $326 | $20 | $98 | $1,122 | $94 |
| F-250 Lariat Crew Cab 4WD | $228 | $450 | $360 | $22 | $108 | $1,168 | $97 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $228 | $450 | $360 | $22 | $108 | $1,168 | $97 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $228 | $450 | $360 | $22 | $108 | $1,168 | $97 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $228 | $450 | $360 | $22 | $108 | $1,168 | $97 |
| F-250 Cabela Crew Cab 4WD | $228 | $450 | $360 | $22 | $108 | $1,168 | $97 |
| F-250 XL Harley Turbo Diesel 4WD | $228 | $450 | $360 | $22 | $108 | $1,168 | $97 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $228 | $450 | $360 | $22 | $108 | $1,168 | $97 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $228 | $510 | $326 | $20 | $98 | $1,182 | $99 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $250 | $450 | $360 | $22 | $108 | $1,190 | $99 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $250 | $450 | $360 | $22 | $108 | $1,190 | $99 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $250 | $450 | $360 | $22 | $108 | $1,190 | $99 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $250 | $450 | $360 | $22 | $108 | $1,190 | $99 |
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Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate quotes do not factor in Lincoln location which can increase or decrease coverage rates noticeably.
Discounts mean cheaper rates for Ford F-250 insurance in Lincoln
Auto insurance companies don’t list every discount they offer very well, so we researched a few of the more well known in addition to some of the lesser obvious ways to save on car insurance.
- Defensive Driver Discounts – Taking a course that instructs on driving safety could possibly earn you a 5% discount and easily pay for the cost of the class.
- Paperless Signup – A few larger online companies will provide an incentive for buying a policy and signing up on the internet.
- Multiple Cars – Having more than one vehicle with the same company can reduce rates for all insured vehicles.
- Driver Education Discount – Cut your cost by having your teen driver successfully complete driver’s ed class as it can save substantially.
- Claim-Free Discount – Claim-free drivers pay less in comparison with frequent claim filers.
- ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up can save a little on the premium charged for medical payments and/or PIP.
We need to note that most discount credits are not given to the entire cost. Most only apply to individual premiums such as comprehensive or collision. Just because it seems like you can get free auto insurance, car insurance companies aren’t that generous.
The diagram below compares Ford F-250 car insurance rates with and without discounts applied to the premium. The premiums are based on a male driver, no claims or driving citations, Nebraska state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, safe-driver, claim-free, multi-policy, and marriage discounts applied.
Some companies that possibly offer these benefits possibly include:
When getting free Lincoln auto insurance quotes, it’s a good idea to all the companies how many discounts you can get. A few discounts may not apply to policies everywhere. To choose car insurance companies with discount rates in Nebraska, follow this link.
You may want advice from an insurance agency
Some people just want to talk to a local agent and that can be a great decision Good agents will help you protect your assets and help file insurance claims. The biggest benefit of comparing insurance online is that you can find the lowest rates and still choose a local agent. Buying insurance from neighborhood agents is still important in Lincoln.
After completing this short form, your coverage information is submitted to agents in your area that give free quotes for your insurance coverage. You won’t even need to visit any agencies because quoted prices will be sent instantly to you. If you wish to compare prices for a specific company, you just need to jump over to their website and complete a quote there.
Pick the best auto insurance agent in Lincoln for you
When narrowing the list to find a local agent, there are a couple of types of insurance agents and how they can write your policy. Insurance agents are classified as either independent or exclusive. Either one can properly insure your vehicles, but it’s important to know the difference in how they write coverage since it can affect which type of agent you select.
Independent Insurance Agents
These agents do not work for one specific company so they can write business with a variety of different insurance companies and get the cheapest rates. If they quote lower rates, they simply move the coverage in-house and you don’t have to do anything. When comparing insurance prices, it’s recommended you get insurance quotes from a few independent agents to maximize your price options. Most have the option of insuring with different regional companies who may have lower rates.
Shown below are Lincoln independent insurance agents that may be able to give you price quotes.
- Copple Insurance Agency, Inc.
1640 L St – Lincoln, NE 68508 – (402) 475-3213 – View Map - AMS Insurance Center
120 S 29th St – Lincoln, NE 68510 – (402) 476-3599 – View Map - Forsyth Insurance Agency
1265 S Cotner Blvd #21 – Lincoln, NE 68510 – (402) 483-7861 – View Map
Exclusive Insurance Agencies
These agents can only place business with one company such as Allstate, Farmers Insurance or State Farm. Exclusive agents cannot place coverage with different providers so they have no alternatives for high prices. Exclusive agents are very knowledgeable on their company’s products which aids in selling service over price. Drivers often use the same agent partially due to the prominent brand name rather than low price.
The following is a list of exclusive agents in Lincoln who can help you get price quote information.
- Rick Self – State Farm Insurance Agent
6030 Village Dr #101 – Lincoln, NE 68516 – (402) 434-2800 – View Map - American Family Insurance – Douglas Kruce
5730 R St Ste D – Lincoln, NE 68505 – (402) 423-1224 – View Map - State Farm: Shawn Kreifels
570 Fallbrook Blvd #111 – Lincoln, NE 68521 – (402) 435-2250 – View Map
Deciding on an auto insurance agent shouldn’t rely on just the quoted price. Any agent in Lincoln should be willing to answer these questions.
- What company do they have the most business with?
- Do you qualify for any additional discounts?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they have a Better Business Bureau rating in Lincoln?
- Has the agent ever had any license suspensions?
Nebraska car insurance companies
Picking the highest-rated insurance company is difficult considering how many different companies insure vehicles in Lincoln. The rank data listed below may help you select which insurers you want to consider when shopping around.
Top 10 Lincoln Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- The Hartford – 87%
- Progressive – 87%
- AAA Insurance – 87%
- Farmers Insurance – 87%
- Liberty Mutual – 87%
Top 10 Lincoln Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Liberty Mutual
- State Farm
- Allstate
- Safeco Insurance
- Travelers
- 21st Century
- Nationwide
Don’t give up on cheaper coverage
You just learned many ways to reduce Ford F-250 insurance rates online in Lincoln. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even be surprised to find that the best rates are with a smaller regional carrier.
As you go through the steps to switch your coverage, do not buy poor coverage just to save money. Too many times, someone dropped comprehensive coverage or liability limits only to regret that the savings was not a smart move. Your aim should be to get the best coverage possible for the lowest cost and still be able to protect your assets.
Cheap Ford F-250 insurance in Lincoln is available both online and also from your neighborhood Lincoln agents, so you should compare both to have the best selection. Some insurance companies do not offer rate quotes online and many times these smaller providers prefer to sell through local independent agents.
Even more information is available by following these links:
- Side Impact Crash Tests (iihs.org)
- What Auto Insurance is Cheapest for a Ford Focus in Lincoln? (FAQ)
- Who Has Cheap Car Insurance Rates for College Graduates in Lincoln? (FAQ)
- How Much is Lincoln Auto Insurance for a GMC Sierra? (FAQ)
- What Insurance is Cheapest for Drivers Over Age 60 in Lincoln? (FAQ)
- How Much are Car Insurance Quotes for 17 Year Olds in Lincoln? (FAQ)
- Who Has Cheap Lincoln Car Insurance for a Nissan Sentra? (FAQ)
- How Much is Lincoln Car Insurance for Nurses? (FAQ)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Anti-Lock Brake FAQ (iihs.org)
- Distracted Driving (Insurance Information Institute)