It’s a fact that insurance companies don’t want customers comparing rates. Drivers who perform rate comparisons are highly likely to switch companies because they have a good chance of finding better rates. A recent survey revealed that people who compared rates once a year saved an average of $3,400 over four years compared to drivers who never shopped for cheaper rates.
If finding the lowest price on insurance is your ultimate goal, understanding how to get rate quotes and compare auto insurance can make it easier to shop your coverage around.
The best way we recommend to get discount car insurance rates in Omaha is to begin comparing prices regularly from companies who can sell car insurance in Nebraska. Rates can be compared by completing these steps.
First, spend a few minutes and learn about individual coverages and the things you can change to prevent expensive coverage. Many policy risk factors that increase rates such as speeding and a low credit score can be eliminated by making minor driving habit or lifestyle changes. Later in this article we will cover tips to find cheap prices and find additional discounts you may qualify for.
Second, quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes for a wide range of insurance providers. Click to view companies
Third, compare the quotes to your current policy premium and see if you can save money. If you find a lower rate and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, provide adequate notice to your current company of your decision to cancel the current policy and submit payment along with a signed and completed policy application to the new insurer. When you receive it, safely store the proof of insurance paperwork in an accessible location in your vehicle.
One key aspect when comparing rates is to use similar limits and deductibles on every quote request and and to get price estimates from every insurance company. This ensures an accurate price comparison and and a good selection of different prices.
Choosing the best rates in Omaha is actually quite simple. If you have insurance now or just want a better rate, take advantage of these tips to reduce premiums and possibly find even better coverage. You just need to learn the quickest method to get comparison rates online from multiple companies.
Best companies for Ford Edge insurance
The following companies can provide free quotes in Nebraska. To find cheap car insurance in Omaha, we suggest you visit as many as you can to get the most affordable price.
Car insurance data for a Ford Edge
The price information displayed below showcases detailed analysis of insurance prices for Ford Edge models. Having insight into how insurance premiums are calculated is important for making informed purchases.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Edge SE 2WD||$194||$376||$314||$18||$94||$996||$83|
|Edge SE AWD||$194||$456||$314||$18||$94||$1,076||$90|
|Edge SEL 2WD||$194||$456||$314||$18||$94||$1,076||$90|
|Edge Limited 2WD||$194||$456||$314||$18||$94||$1,076||$90|
|Edge SEL AWD||$194||$456||$314||$18||$94||$1,076||$90|
|Edge Limited AWD||$222||$538||$314||$18||$94||$1,186||$99|
|Edge Sport 2WD||$222||$538||$314||$18||$94||$1,186||$99|
|Edge Sport AWD||$222||$538||$314||$18||$94||$1,186||$99|
|Get Your Own Custom Quote Go|
Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in Omaha location which can impact premiums significantly.
How accidents and violations affect rates
The illustration below shows how violations and fender-benders increase Ford Edge yearly insurance costs for different insured age categories. The price estimates are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied.
Males versus Females
The diagram below compares Ford Edge insurance costs for male and female drivers. The price estimates are based on no claims or driving citations, comp and collision included, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
Full coverage or liability only
The information below illustrates the difference between Ford Edge car insurance rates when comparing full coverage to state minimum liability only. The data assumes a clean driving record, no claims, $1,000 deductibles, single marital status, and no discounts are factored in.
When to drop full coverage
There is no written rule of when to exclude comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Ford Edge replacement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after you pay the deductible. If premiums are more than $500 annually to have full coverage, then it could be time to drop full coverage.
There are a few cases where only buying liability is not a good plan. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.
Get Lower-cost Insurance Prices by Understanding These Factors
Smart consumers have a good feel for the different types of things that aid in calculating the level of your policy premiums. When consumers understand what impacts premium levels, this enables you to make decisions that could result in better auto insurance rates. Many different elements are used in the calculation when you quote your car insurance policy. Some are obvious like a motor vehicle report, but other criteria are not as apparent like where you live or your vehicle rating.
Listed below are some of the most common factors that factor into prices.
Teen drivers pay high premiums – Teenage drivers in Nebraska have a tendency to be careless and easily distracted with other occupants in the car therefore auto insurance rates are much higher. Parents adding a youthful driver onto your auto insurance will cause a huge premium hike. Older people have been proven to be more responsible, file fewer claims, and usually have better credit.
The next chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.
Deter theft and pay less – Selecting a car model with advanced anti-theft systems can save you a little every year. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.
Liability limits should be high – Liability insurance is the coverage that protects you in the event that you are found liable for personal injury or accident damage. It provides legal defense coverage which can cost a lot. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
Vocation can influence rates – Occupations such as real estate brokers, executives, and emergency personnel have higher rates than the rest of us attributed to intense work requirements and lengthy work days. On the other hand, professions such as actors, students and retirees get better rates.
Ford Edge claim probability – Car insurance companies use claims history to determine a price that will be profitable for them. Models that have higher claim frequency or loss amount will have a higher cost to insure. The table below illustrates the historical loss data for Ford Edge vehicles.
For each coverage type, the claim probability for all vehicles averaged together is equal to 100. Values that are 100 or less are indicative of better than average losses, while values that are above 100 indicate a higher chance of having a claim or a tendency for claims to be larger.
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Ford Edge 4dr 2WD||53||93|
|Ford Edge 4dr 4WD||71||108||75|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance rates and discounts
Some insurers do not list all available discounts very clearly, so the list below contains a few of the more well known and also the more inconspicuous discounts that may be available.
- Multi-policy Discount – If you combine your auto and home policies with one insurance company you may earn at least 10 to 15 percent or more.
- Low Miles Discount – Low annual miles could be rewarded with cheaper rates.
- Discount for Home Ownership – Owning a house in Omaha can help you save on insurance because of the fact that having a home is proof of financial responsibility.
- Auto/Life Discount – Larger companies have better rates if you take out life insurance.
- Professional Organizations – Affiliation with certain professional organizations could trigger savings when shopping for insurance.
- Good Grades Discount – This discount could provide a savings of up to 20% or more. This discount can apply up to age 25.
- Discount for Passive Restraints – Factory options such as air bags or motorized seat belts can get savings of 20 to 30 percent.
- No Claim Discounts – Insureds with no claims or accidents get the best insurance rates compared to frequent claim filers.
- Safe Drivers – Accident-free drivers may receive a discount up to 45% than drivers with accidents.
Policy discounts save money, but some of the credits will not apply to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. So when it seems like you could get a free insurance policy, nobody gets a free ride.
The illustration below shows the comparison of Ford Edge insurance costs with and without discounts applied to the premium. The prices are based on a female driver, no claims or driving violations, Nebraska state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, claim-free, safe-driver, homeowner, and marriage discounts applied.
Popular insurance companies and some of the premium reductions they offer are included below.
- 21st Century includes discounts for 55 and older, air bags, anti-lock brakes, teen driver, student driver, and driver training.
- State Farm policyholders can earn discounts including safe vehicle, multiple policy, passive restraint, multiple autos, Drive Safe & Save, and defensive driving training.
- AAA discounts include pay-in-full, anti-theft, multi-car, good student, and AAA membership discount.
- Liberty Mutual may have discounts that include exclusive group savings, safety features, new move discount, good student, new vehicle discount, and hybrid vehicle.
- Progressive offers discounts for online quote discount, online signing, homeowner, good student, multi-policy, multi-vehicle, and continuous coverage.
If you need cheaper Omaha auto insurance quotes, ask each company or agent how you can save money. Some discounts may not apply to policies in every state. For a list of insurers that can offer you the previously mentioned discounts in Omaha, click here to view.
Get rate quotes but still have a local Omaha insurance agent
Many drivers still like to get professional advice from a licensed agent and doing so can bring peace of mind Most agents are highly skilled in risk management and help submit paperwork. One of the benefits of price shopping on the web is the fact that you can find cheap car insurance quotes and still have an agent to talk to.
Upon completion of this short form, your insurance coverage information is instantly submitted to agents in your area who will give competitive quotes for your car insurance coverage. You don’t have to leave your computer as quotes are delivered immediately to you. If you have a need to get a rate quote from a specific company, just visit that company’s website and complete a quote there.
Finding a good company is decision based upon more than just a cheap price. The questions below may impact your decision as well.
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How experienced are they in personal risk management?
- Which members of your family are coverage by the policy?
- How are claims handled?
- How long has their agency been open in Omaha?
- Do they specialize in personal lines coverage in Omaha?
When searching for a reputable agency, it’s important to understand the different agency structures that you can select. Agencies in Omaha are classified as either exclusive agents or independent agents. Both types can write car insurance policies, but it’s important to know why they differ because it can factor into buying decisions.
These type of agents are contracted to one company such as Allstate, State Farm and Farm Bureau. They are unable to shop your coverage around so it’s a take it or leave it situation. Exclusive insurance agents receive extensive training in insurance sales and that can be a competitive advantage. Consumers frequently purchase coverage from exclusives mainly due to the brand name rather than low rates.
Shown below is a list of exclusive agencies in Omaha who can help you get comparison quotes.
- American Family Insurance – Daniel Grzywa Agency Inc
8031 W Center Rd Ste 209 – Omaha, NE 68124 – (402) 391-6364 – View Map
- Janice Peterson – State Farm Insurance Agent
9785 Q St Ste #4 – Omaha, NE 68127 – (402) 593-1899 – View Map
- Rudy Partida – State Farm Insurance Agent
639 N 98th St – Omaha, NE 68114 – (402) 333-5104 – View Map
Independent Car Insurance Agents
Agents that choose to be independent are not employed by any specific company and that is an advantage because they can write policies with any number of different companies and find the cheapest car insurance rates. If your premiums go up, they simply switch companies in-house and you don’t have to find a new agent. If you need cheaper car insurance rates, you will definitely want to compare prices from several independent insurance agents to have the best price comparison. Most independent agents also contract with small mutual carriers that may have much lower rates than larger companies.
Listed below are independent agents in Omaha who can help you get comparison quotes.
- 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 Division Insurance
14792 Ray Sapp Dr – Omaha, NE 68138 – (402) 334-7087 – View Map
Nebraska car insurance companies
Picking the best car insurance company can be a challenge considering how many companies provide coverage in Omaha. The company information displayed below can help you pick which providers you want to consider when looking for cheaper rates.
Top 10 Omaha Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Liberty Mutual
Top 10 Omaha Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
- Progressive – 87%
Affordable auto insurance rates are out there
Some insurance companies may not provide internet price quotes and most of the time these smaller providers only sell coverage through independent insurance agencies. Low-cost Ford Edge insurance in Omaha is attainable on the web as well as from insurance agents, and you should compare price quotes from both to have the best rate selection.
As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where drivers have reduced full coverage and discovered at claim time that the small savings ended up costing them much more. The goal is to find the BEST coverage at an affordable rate, but do not skimp to save money.
Drivers switch companies for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, policy cancellation and delays in paying claims. Regardless of your reason for switching companies, switching companies can be pretty painless.
Additional auto insurance information is located at these links:
- Collision Insurance Coverage (Nationwide)
- Who Has the Cheapest Car Insurance Quotes for a Jeep Grand Cherokee in Omaha? (FAQ)
- Distracted Driving (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)