A recent auto insurance study revealed that the vast majority of auto insurance customers have purchased from the same company for well over three years, and almost half have never compared rates with other companies. With the average premium in Nebraska being $1,400, drivers could save 30% a year by just comparing quotes, but most just don’t grasp the amount of savings they would get if they switched to a cheaper policy.
The easiest way to find affordable quotes for Toyota Sequoia insurance in Omaha is to do an annual price comparison from companies who can sell car insurance in Nebraska. You can compare rates by completing these steps.
- Spend a few minutes and learn about car insurance and the changes you can make to keep rates in check. Many rating factors that result in higher prices like traffic tickets, fender benders, and an unacceptable credit score can be amended by making minor driving habit or lifestyle changes. This article gives ideas to lower rates and find more discounts that you may not know about.
- Obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like Progressive or State Farm, while agents who are independent can provide prices for a wide range of insurance providers.
- Compare the new rates to your existing policy to see if you can save by switching companies. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.
A valuable tip to remember is to make sure you’re comparing similar deductibles and liability limits on each price quote and and to get prices from as many companies as possible. Doing this provides an apples-to-apples comparison and the most accurate and complete price analysis.
Finding the cheapest insurance coverage in Omaha is much easier if you have a good place to start. If you currently have a car insurance policy, you should be able to save money using the concepts you’re about to learn. Drivers only need an understanding of how to find the lowest price from many companies at once.
Car insurance providers offering low-cost prices in Nebraska
The providers in the list below are ready to provide free quotes in Nebraska. If multiple companies are listed, we suggest you visit two to three different companies to get a more complete price comparison.
Insurance coverage analysis
The table shown next showcases detailed analysis of insurance policy prices for Toyota Sequoia models. Being aware of how insurance prices are established can be of help when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sequoia SR/5 2WD | $158 | $282 | $362 | $22 | $108 | $932 | $78 |
| Sequoia SR/5 4WD | $158 | $332 | $362 | $22 | $108 | $982 | $82 |
| Sequoia Limited 2WD | $176 | $332 | $362 | $22 | $108 | $1,000 | $83 |
| Sequoia Limited 4WD | $176 | $332 | $362 | $22 | $108 | $1,000 | $83 |
| Sequoia Platinum 2WD | $176 | $384 | $362 | $22 | $108 | $1,052 | $88 |
| Sequoia Platinum 4WD | $176 | $384 | $362 | $22 | $108 | $1,052 | $88 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in specific garaging location which can impact premium rates significantly.
Full coverage versus liability-only in Omaha
The example below shows the comparison of Toyota Sequoia insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Nebraska. The premium estimates are based on no accidents or driving violations, $100 deductibles, marital status is single, and no policy discounts are applied.
When to eliminate full coverage
There isn’t a steadfast formula of when to exclude comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s pretend your Toyota Sequoia claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $5,000 after the policy deductible has been paid. If premium cost is more than $500 annually for full coverage, then you might want to consider buying only liability coverage.
There are some circumstances where dropping physical damage coverage is not a good plan. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Get cheaper Toyota Sequoia insurance in Omaha with discounts
Car insurance is not an enjoyable expense, but there could be available discounts to reduce the price significantly. Some discounts apply automatically when you complete an application, but a few need to be asked about prior to getting the savings.
- Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- New Vehicle Savings – Insuring a vehicle that is new can save up to 30% due to better safety requirements for new model year vehicles.
- Smart Student Discounts – This discount can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
- Driver’s Education for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to use a seat belt can save 10% or more on medical payment and PIP coverage.
- Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance too.
- College Student – Children who are enrolled in a college that is more than 100 miles from Omaha and don’t have a car could qualify for this discount.
- Employee of Federal Government – Federal government employees could cut as much as 10% off but check with your company.
Don’t be shocked that many deductions do not apply to the whole policy. A few only apply to specific coverage prices like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, you’re out of luck.
The diagram below shows the difference between Toyota Sequoia car insurance rates with and without discounts applied to the policy rates. The information is based on a female driver, no claims or driving citations, 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 claim-free, safe-driver, multi-policy, homeowner, multi-car, and marriage discounts applied.
To locate car insurance companies that offer some of these discounts in Nebraska, follow this link.
Independent versus exclusive insurance agencies
A lot of people would rather have an agent’s advice and that is not a bad decision Insurance agents will help you protect your assets and will help you if you have claims. The best thing about comparing rate quotes online is that drivers can save money and get better rates and still have an agent to talk to.
Once you complete this simple form, the coverage information is sent to insurance agents in Omaha who can give free rate quotes for your auto insurance coverage. It makes it easy because there is no need to search for any insurance agencies since rate quotes are delivered to you. In the event you want to get a price quote from a specific auto insurance provider, just find their quoting web page and fill out the quote form the provide.
Picking the best provider requires more thought than just the price. These questions are important to ask:
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Will the agent help in case of a claim?
- How many years of experience in personal auto insurance do they have?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they offer accident forgiveness?
- Do they specialize in personal lines coverage in Omaha?
Omaha auto insurance agents come in two flavors
If you need to find local Omaha agents, it helps to know the two types of agencies and how they operate. Agencies in Omaha are considered either exclusive agents or independent agents. Both insure your vehicles, but it’s important to point out the subtle differences because it may have an impact on the type of agent you choose.
Exclusive Insurance Agents
Agents that elect to be exclusive can only quote rates from one company like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to place coverage with different providers so it’s a take it or leave it situation. They are highly trained on sales techniques which helps overcome the inability to quote other rates. Consumers sometimes use the same agent mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.
Below are Omaha exclusive agents who may provide you with price quotes.
- American Family Insurance – T. C. Johnson Agency Inc.
155 N 72nd St – Omaha, NE 68114 – (402) 561-8633 – View Map - Janice Peterson – State Farm Insurance Agent
9785 Q St Ste #4 – Omaha, NE 68127 – (402) 593-1899 – View Map - Matt Dougherty – State Farm Insurance Agent
4910 Dodge St – Omaha, NE 68132 – (402) 884-2870 – View Map
Independent Auto Insurance Agents
Agents in the independent channel are not locked into one company so they can insure your vehicles through lots of different companies and find you cheaper rates. If you are not satisfied with one company, they simply switch companies in-house and you don’t have to do anything.
When comparing rate quotes, we recommend you include price quotes from a couple of independent agencies to maximize your price options. Most also have access to different regional companies that can offer cheaper rates than bigger companies.
The following are Omaha independent insurance agencies who can help you get comparison quotes.
- Omaha Insurance Services, Inc.
11132 O St – Omaha, NE 68137 – (402) 592-4455 – View Map - Nia Insurance Agency Inc
2816 N 24th St – Omaha, NE 68110 – (402) 779-8999 – View Map - BW Insurance Agency, Inc.
13906 Gold Cir # 103 – Omaha, NE 68144 – (402) 918-0102 – View Map
Smart consumers save more
Cheaper Toyota Sequoia insurance in Omaha is possible online in addition to local insurance agencies, so you need to shop Omaha auto insurance with both to have the best selection. Some insurance companies may not offer rates over the internet and many times these small, regional companies sell through local independent agencies.
People leave their current company for many reasons like policy cancellation, high rates after DUI convictions, delays in responding to claim requests or even not issuing a premium refund. It doesn’t matter why you want to switch finding a new company can be easier than you think.
When getting Omaha auto insurance quotes online, do not buy poor coverage just to save money. There have been many cases where an insured cut comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage for the lowest cost, but do not skimp to save money.
Even more information is located at these sites:
- Your Car has been Stolen: Now What? (Allstate)
- What Car Insurance is Cheapest for Good Students in Omaha? (FAQ)
- What is the Best Cheap Auto Insurance in Omaha, Nebraska? (FAQ)
- Who Has the Cheapest Car Insurance for Homeowners in Omaha? (FAQ)
- Drunk Driving Statistics (Insurance Information Institute)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)