The most effective way to get cheaper auto insurance rates in Omaha is to do a yearly price comparison from insurers in Nebraska.
- Read and learn about how insurance works and the steps you can take to lower rates. Many things that result in higher rates like high-risk driving behaviors and poor credit can be improved by improving your driving habits or financial responsibility.
- Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like GEICO or Allstate, while independent agencies can quote rates for many different companies.
- Compare the new rate quotes to your existing rates to see if switching to a new carrier will save money. If you can save some money and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
An important bit of advice to remember is to make sure you’re comparing the same physical damage deductibles and liability limits on each quote request and to quote with as many carriers as you can. Doing this provides the most accurate price comparison and the best price selection.
Regrettably, most consumers kept their coverage with the same insurance company for four years or more, and nearly the majority have never compared rate quotes at all. Most drivers in Omaha could save as much as 30% a year, but they don’t want to take the time to save money by comparing rate quotes.
How to get affordable Ford Transit Connect insurance in Omaha, NE
There are several ways to obtain and compare prices from local Omaha auto insurance companies. One of the best ways to find the cheapest insurance rates is to use the internet to compare rates. It’s important to know that obtaining a wide range of quotes increases your odds of finding more affordable insurance.
The following companies offer quotes in Omaha, NE. To buy the best auto insurance in Nebraska, we suggest you visit two to three different companies to get a more complete price comparison.
Analysis of Ford Transit Connect rates
The rate table displayed below covers detailed analysis of coverage costs for Ford Transit Connect models. Learning as much as possible about how policy premiums are formulated is important for you to make smart choices when purchasing an insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Transit Connect XL 2WD||$250||$574||$404||$24||$122||$1,374||$115|
|Transit Connect XLT 2WD||$250||$574||$404||$24||$122||$1,374||$115|
|Get Your Own Custom Quote Go|
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Estimates do not factor in your specific Omaha location which can lower or raise auto insurance rates significantly.
Reckless driving habits raise insurance rates
The diagram below illustrates how violations and accident claims increase Ford Transit Connect yearly insurance costs for different ages of insureds. The rates are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
How You Can Control Ford Transit Connect Insurance Rates
Lots of things are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, although others are more obscure like your vehicle usage or how safe your car is.
- Annual miles is a factor – The higher the mileage driven annually the more you will pay for auto insurance. A lot of companies price each vehicle’s coverage based upon how the vehicle is primarily used. Vehicles that sit idle most of the time can be on a lower rate level than those used for commuting. Improper usage on your Transit Connect may be wasting your money. It’s a good idea to make sure your auto insurance policy states annual mileage, because improper ratings can cost you money.
- What are good liability coverage limits? – Your auto insurance policy’s liability coverage provides coverage in the event that you are ruled to be at fault for an accident. It will provide for a legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
How old are your drivers? – Older people are shown to be more cautious, tend to file fewer claims, and get fewer tickets. Drivers with little experience have a tendency to be inattentive and easily distracted when at the wheel of a vehicle and because of this, their auto insurance rates are much higher.
The following data uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
- Small claims can cost you – Insurance companies in Nebraska give lower rates to drivers that do not abuse their auto insurance. If you file a lot of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Your insurance policy is designed for the large, substantial claims.
- Prices are affected by your address – Being located in smaller towns and rural areas of the country has it’s advantages when trying to find low car insurance rates. Fewer drivers and short commutes corresponds to lower accident rates and lower theft and vandalism rates. City drivers tend to have traffic congestion and much longer commute distances. More time behind the wheel means more chance of being in an accident.
Insurance premiums and driver gender – Statistics show that females take fewer risks when driving. However, this does not mean men are worse drivers. Males and females tend to get into auto accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also receive more costly citations like DWI (DUI) or reckless driving. Young men ages 16 to 20 are most likely to cause an accident and therefore pay the highest rates.
The information below compares Ford Transit Connect insurance prices for male and female drivers. The price estimates are based on no claims or violations, comp and collision included, $100 deductibles, single marital status, and no discounts are factored in.
Auto insurance just makes sense
Despite the high cost of buying insurance for a Ford Transit Connect in Omaha, insurance serves several important purposes.
- Almost all states have minimum mandated liability insurance limits which means you are required to buy specific minimum amounts of liability coverage if you want to drive 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.
- If your Ford has a loan, most banks will require that you have physical damage coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender may insure your Ford for a much higher rate and force you to pay a much higher amount than you were paying before.
- Auto insurance protects both your assets and your vehicle. It will also pay for all forms of medical expenses for yourself as well as anyone injured by you. Liability insurance also covers legal expenses if you are sued as the result of your driving. If you have damage to your Ford as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of carrying enough insurance are without a doubt worth the cost, especially if you ever need it. But the average driver in Nebraska is overpaying over $700 annually so smart consumers compare quotes each time the policy renews to make sure the price is not too high.
What is the best car insurance company in Nebraska?
Buying coverage from the top car insurance provider can be difficult considering how many choices drivers have in Omaha. The company information in the lists below may help you decide which auto insurance companies you want to consider buying from.
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+
Top 10 Omaha Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Liberty Mutual