Auto Insurance Rates in Omaha

If you want to find the absolute lowest rates, then the best way to find more affordable car insurance rates is to start doing an annual price comparison from companies in Omaha. Price quotes can be compared by following these steps.

  1. It will benefit you to learn about how insurance works and the things you can control to lower rates. Many factors that cause rate increases such as traffic violations, accidents, and a not-so-good credit score can be remedied by making lifestyle changes or driving safer.
  2. Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like GEICO or State Farm, while independent agents can quote rates for a wide range of companies.
  3. Compare the new rate quotes to your existing policy and see if there is a cheaper rate in Omaha. If you find a lower rate and decide to switch, verify that coverage does not lapse between policies.

The most important part of shopping around is to try to compare identical limits and deductibles on every quote request and and to get rate quotes from every company you can. This helps ensure a fair rate comparison and the best price selection.

Remarkably, a study showed that most Nebraska car insurance customers have bought car insurance from the same company for four years or more, and nearly the majority have never shopped around. With the average premium in the United States being $1,847, drivers could cut their rates by approximately $860 a year by just shopping around, but they just don’t understand the big savings they would realize if they moved their coverage to a different company.

The intent of this article is to familiarize you with how to get online quotes and also pocket some savings If you are paying for car insurance now, you stand a good chance to be able to find better prices using the techniques covered below. Smart buyers just need to know the tricks to shop for auto insurance online.

Insurance Rates for Popular Vehicles in Omaha
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $1,050 $525 $88
Chevrolet Equinox LTZ AWD $1,292 $646 $108
Chevrolet Impala LS $1,154 $577 $96
Chevrolet Silverado LS Crew Cab 2WD $1,360 $680 $113
Dodge Grand Caravan SXT $1,222 $611 $102
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,290 $645 $108
Ford Escape XLS 4WD $1,004 $502 $84
Ford F-150 Lariat Crew Cab Platinum 4WD $1,326 $663 $111
Ford Focus SEL 4-Dr Sedan $1,224 $612 $102
Honda Accord EX-L 4-Dr Sedan $1,108 $554 $92
Honda CR-V LX 2WD $1,004 $502 $84
Honda Civic EX 2-Dr Coupe $1,460 $730 $122
Hyundai Elantra SE 4-Dr Sedan $1,258 $629 $105
Nissan Altima 2.5 S 2-Dr Coupe $1,360 $680 $113
Nissan Rogue SL 2WD $1,256 $628 $105
Toyota Camry Hybrid $1,360 $680 $113
Toyota Corolla S $1,258 $629 $105
Toyota Prius $1,142 $571 $95
Get Rate Quotes for Your Vehicle Go

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Estimates do not factor in Omaha location which can alter coverage prices greatly.

The method we recommend to compare car insurance company rates is to take advantage of the fact all the major auto insurance companies have advanced systems to provide you with free rate quotes. All consumers are required to do is spend a couple of minutes providing details like if your license is active, your general credit rating, daily mileage, and if you require a SR-22. That information is instantly provided to many highly-rated insurers and you receive quotes immediately.

To check car insurance prices now, click here and complete the form.

The auto insurance companies shown below are our best choices to provide free rate quotes in Omaha, NE. In order to find the best auto insurance in Omaha, we recommend you visit as many as you can to get the most competitive price.

Eight tips to get lower Omaha car insurance prices

A large part of saving on car insurance is knowing some of the things that aid in calculating the level of your policy premiums. If you understand what determines base rates, this helps enable you to make changes that can help you get lower car insurance prices. Multiple criteria are used when quoting car insurance. Most are fairly basic like your driving record, although some other factors are not quite as obvious like where you live or your vehicle rating.

The list below includes some of the major factors car insurance companies consider when setting your rate level.

Why you need quality insurance for your vehicle

Even though it can be expensive, paying for insurance is most likely required but also gives you several important benefits.

The benefits of carrying enough insurance are definitely more than the cost, especially for larger claims. Today the average American driver overpays as much as $855 a year so it’s very important to do a rate comparison at every renewal to help ensure money is not being wasted.

Car insurance companies ranked

Picking a good quality company can be challenging considering how many different companies insure vehicles in Nebraska. The ranking information below could help you choose which providers you want to consider putting your business with.

Top 10 Omaha Car Insurance Companies Overall

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family