Cheapest Insurance for a Ford Expedition in Omaha

The best way we recommend to find affordable Ford Expedition insurance is to compare prices at least once a year from different companies who sell auto insurance in Omaha.

• Step 1: Try to learn a little about individual coverages and the measures you can take to prevent high rates. Many things that are responsible for high rates such as distracted driving and an unacceptable credit history can be controlled by making small lifestyle or driving habit changes.
• Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like Progressive or Farmers Insurance, while independent agents can provide prices for a wide range of insurance providers.
• Step 3: Compare the new rates to your current policy premium and determine if there is any savings. If you find better rates and make a switch, make sure coverage does not lapse between policies.
• Step 4: Provide written notification to your current company of your decision to cancel your current coverage and submit the completed application along with a down payment to the new insurer. Once coverage is bound, put the new proof of insurance paperwork with your registration paperwork.

One thing to point out is to try to use identical coverage information on every price quote and and to analyze as many companies as feasibly possible. This ensures an apples-to-apples comparison and and a good selection of different prices.

It’s well known that insurance companies don’t want policyholders to shop around. Insureds who shop around annually are very likely to buy a new policy because they stand a good chance of finding lower rate quotes. Surprisingly, a recent survey revealed that people who routinely compared quotes saved $72 a month compared to policyholders who never compared rates.

If finding discount rates on Ford Expedition insurance is the reason for your visit, then knowing the best ways to shop for insurance rates can help simplify the process.

Save money with these eight discounts on Ford Expedition insurance in Omaha

Auto insurance is not inexpensive, but you might find some hidden discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but a few must be specially asked for before being credited.

• College Student Discount – College-age children living away from Omaha attending college and do not take a car to college may qualify for this discount.
• Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems help deter theft and will save you 10% or more on Expedition insurance in Omaha.
• Save with a New Car – Buying a new car instead of a used Expedition can save you some money due to better safety requirements for new model year vehicles.
• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance.
• Clubs and Organizations – Participating in a qualifying organization could qualify you for a break when shopping for auto insurance.
• Telematics Data – Insureds that choose to allow driving data submission to scrutinize when and where they use their vehicle by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease as long as the data is positive.
• Military Deployment Discount – Being deployed with a military unit could trigger a small discount.
• Pay Early and Save – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.

We need to note that most of the big mark downs will not be given to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. Even though it appears adding up those discounts means a free policy, you’re out of luck.

The example below visualizes the comparison of Ford Expedition car insurance costs with and without discounts applied to the policy premium. The premiums are based on a male driver, no accidents, no driving violations, Nebraska state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, multi-car, homeowner, and marriage discounts applied.

Large auto insurance companies and some of the discounts are included below.

• GEICO includes discounts for defensive driver, five-year accident-free, daytime running lights, multi-policy, federal employee, and air bags.
• Auto-Owners Insurance policyholders can earn discounts including air bags, paid in full, teen driver, paperless, anti-lock brakes, group or association, and multiple vehicles.
• American Family has discounts for early bird, mySafetyValet, Steer into Savings, accident-free, air bags, defensive driver, and multi-vehicle.
• Esurance has savings for emergency road assistance, good student, paid-in-full, claim free, and anti-theft.
• Progressive offers premium reductions for homeowner, continuous coverage, multi-vehicle, online signing, and multi-policy.
• State Farm may have discounts that include anti-theft, multiple policy, accident-free, multiple autos, student away at school, and defensive driving training.
• AAA offers discounts including good student, anti-theft, education and occupation, AAA membership discount, multi-car, and pay-in-full.

If you want inexpensive Omaha car insurance quotes, ask all companies you are considering how many discounts you can get. A few discounts may not be available in Omaha.

How to compare free Omaha Ford Expedition insurance rate quotes

To get the cheapest Ford Expedition rate quotes, there a variety of ways of comparing price quotes from many car insurance companies in Nebraska. The recommended way to comparison shop is to use the internet to compare rates. When comparing car insurance rates, know that comparing a wide range of rates helps improve the odds of finding more affordable rates. Not every company provides online price quotes, so you should also compare rates from the smaller companies as well.

The car insurance companies shown below are our best choices to provide quotes in Nebraska. In order to find the cheapest car insurance in NE, we suggest you get rate quotes from several of them to find the cheapest car insurance rates.

Insurance statistics for a Ford Expedition

The coverage table displayed next showcases different insurance coverage prices for Ford Expedition models. Learning how insurance policy rates are calculated can be valuable when making smart choices when purchasing an insurance policy.

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price information does not factor in specific Omaha garaging location which can modify prices substantially.

Insurance deductibles

One common question asked by Omaha drivers is how high should your deductibles be. The tables below summarize the differences in premium rates when you select higher and lower policy deductibles. The first rate table uses a $100 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Prices do not factor in specific zip code location which can modify premiums noticeably.

We can estimate from the data above that using a $100 deductible will cost you roughly $23 more each month or $276 annually averaged for all Expedition models than buying the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have at least 17 months between claims, you would more than likely save some money if you decide on a higher deductible.

The chart below highlights how deductible selection and can change Ford Expedition yearly insurance costs for different age groups of insureds. The premiums assume a single female driver, comp and collision included, and no discounts are factored in.

Ford Expedition insurance rates: Men versus women

The diagram below illustrates the difference between Ford Expedition insurance costs for male and female drivers. The premiums assume no driving violations, no at-fault accidents, comp and collision included, $1,000 deductibles, marital status is single, and no other discounts are factored in.

Insurance agent or online?

A small number of people still prefer to talk to an insurance agent and that can be a great decision A nice benefit of comparing rates online is you may find better rates and still have an agent to talk to. Buying from and supporting local insurance agents is still important in Omaha.

Once you complete this quick form, your coverage information gets sent to local insurance agents in Omaha that can provide free Omaha car insurance quotes for your business. It’s much easier because you don’t need to contact an agency as quotes are delivered immediately to your email address. You’ll get the best rates and a licensed agent to work with. If you wish to quote rates from a specific insurance company, feel free to jump over to their website and give them your coverage information.

When narrowing the list to find a good insurance agency, there are a couple of different types of agencies and how they are distinctly different. Insurance agencies in Omaha may be either exclusive or independent.

Independent Agents (or Brokers)

Agents of this type do not sell for just one brand so they can write business with a variety of different insurance companies and get you the best rates possible. If they find a lower price, your agent can switch companies which is easy for the insured.

When comparing rate quotes, we recommend you get some free quotes from independent agents in order to compare the most rates. Most also write with lesser-known insurance companies who may have lower rates.

The following is a list of independent agencies in Omaha who can help you get free rate quotes.

• Chastain-Otis Insurance and Financial Services
  10822 Old Mill Rd #2 – Omaha, NE 68154 – (402) 397-2500 – View Map
• Jensen Insurance
  16909 Burke St #125 – Omaha, NE 68118 – (402) 391-5100 – View Map
• AA Brokers Insurance Agency Inc.
  2214 N 90th Plaza – Omaha, NE 68134 – (402) 392-1930 – View Map

View more Omaha agents

Exclusive Insurance Agents

These type of agents can only place business with one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot provide prices from multiple companies so you might not find the best rates. Exclusive agents are well schooled in insurance sales which aids in selling service over price. Many people buy insurance from these agents mainly due to the prominence of the brand and strong financial ratings.

Below are exclusive agents in Omaha willing to provide price quote information.

• Len Siedlik – State Farm Insurance Agent
  12781 Q St – Omaha, NE 68137 – (402) 895-4446 – View Map
• Larry Smith – State Farm Insurance Agent
  11717 Burt St #105 – Omaha, NE 68154 – (402) 491-0111 – View Map
• American Family Insurance – John Cuenca
  4601 S 50th St Ste 306 – Omaha, NE 68117 – (402) 614-5004 – View Map

View more Omaha agents

Selecting a insurance agent requires you to look at more than just the quoted price. Below are some questions you should ask.

• How much will you save each year by using a higher deductible?
• How does the company pay claims for a total loss?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Do the companies they represent have a solid financial rating?
• Is there a local claims center in Omaha?

Auto insurance 101

Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for funeral costs, surgery and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This protects you from damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims such as bail bonds, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible. Nebraska state law requires minimum liability limits of 25/50/25 but you should think about purchasing higher limits.

The chart below shows why the minimum limit may not be enough coverage.

Uninsured and underinsured coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Ford Expedition.

Since many Nebraska drivers only purchase the least amount of liability that is required (which is 25/50/25), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive coverages

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hail damage, a broken windshield, damage from flooding, rock chips in glass and falling objects. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

This coverage pays for damage to your Expedition resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with another moving vehicle, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible on your Expedition in order to get cheaper collision rates.

Cheap car insurance is out there

We covered many ideas to find lower-cost Ford Expedition insurance in Omaha. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may even discover the lowest rates come from some of the lesser-known companies.

Insureds change insurance companies for many reasons like an unsatisfactory settlement offer, delays in responding to claim requests, high rates after DUI convictions or even questionable increases in premium. Regardless of your reason, finding the right car insurance provider can be easier than you think.

As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. In many cases, drivers have reduced full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

More detailed car insurance information is located in these articles:

• Your Car has been Stolen: Now What? (Allstate)
• All About Airbag Safety (State Farm)
• What to do at the Scene of an Accident (Insurance Information Institute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)