How long has it been since the last time you looked for more competitive auto insurance rates in Omaha, NE? Omaha consumers have a choice when looking for affordable Lexus GS 200t insurance. They can either spend hours contacting agents trying to get quotes or use the internet to make rate comparisons. There is a right way and a wrong way to buy auto insurance so you’re going to learn the quickest way to get price quotes for a new or used Lexus and find the lowest price.
It’s important to get comparison quotes before your next renewal because insurance prices are rarely the same from one policy term to another. Even if you got the lowest price on Lexus GS 200t insurance in Omaha a few years ago a different company probably has better rate quotes today. There are a lot of ways to save on GS 200t insurance online but I’m going to show you some tested techniques to lower your auto insurance premiums.
Earn discounts to get lower-cost Omaha insurance rates
Some companies don’t always publicize the complete list of policy discounts very well, so the below list has both well-publicized and the harder-to-find credits available to lower your premiums when you buy Omaha car insurance online.
- Multi-Vehicle Discounts – Having several vehicles with one company can get a discount on all vehicles.
- Driver’s Ed – Have your child enroll in driver’s education in high school.
- Telematics Data – People who choose to allow data collection to scrutinize driving manner through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they have good driving habits.
- Drive Less and Save – Low mileage vehicles could be rewarded with cheaper rates.
- Federal Employees – Simply working for the federal government could qualify for a slight premium decrease with a few insurance companies.
Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky. But any discount should help lower your policy cost.
A list of companies and a summarized list of policyholder discounts can be read below.
- Progressive offers discounts including continuous coverage, homeowner, online signing, good student, multi-vehicle, and online quote discount.
- SAFECO offers discounts for anti-theft, drive less, multi-car, accident prevention training, and bundle discounts.
- American Family has discounts for air bags, TimeAway discount, accident-free, Steer into Savings, and multi-vehicle.
- MetLife discounts include multi-policy, good driver, accident-free, claim-free, good student, and defensive driver.
- GEICO may have discounts that include daytime running lights, anti-lock brakes, federal employee, five-year accident-free, and multi-vehicle.
- The Hartford policyholders can earn discounts including good student, bundle, driver training, air bag, and anti-theft.
If you want inexpensive Omaha car insurance quotes, ask each company how you can save money. All car insurance discounts might not be available to policyholders everywhere. To choose insurers who offer discounts in Omaha, click here to view.
Most of the larger companies provide insurance quotes direct online. This process is very simple as you simply enter your required coverages as requested by the quote form. When the form is submitted, their rating system gets credit information and your driving record and returns a price quote.
Being able to quote online for Lexus GS 200t insurance in Omaha streamlines rate comparisons, and it’s necessary to do this in order to find the cheapest price.
To use this form to compare rates, compare rates from the companies below. If you currently have coverage, we recommend you enter coverages and limits exactly as shown on your declarations page. Doing this assures you will be getting an apples-to-apples comparison for exact coverage.
The companies in the list below are our best choices to provide free rate quotes in Nebraska. To buy the best auto insurance in Omaha, it’s a good idea that you get rate quotes from several of them in order to get a fair rate comparison.
Local insurance agents
Many people would rather talk to a local agent and that can be a great decision Experienced insurance agents are very good at helping people manage risk and help you file claims. A good thing about getting online price quotes is you can get better rates and still choose a local agent.
For easy comparison, once you complete this short form, the coverage information is sent to insurance agents in Omaha that can provide free Omaha car insurance quotes for your coverage. There is no reason to drive around since rate quotes are delivered immediately to your email address. If for some reason you want to compare prices from a specific insurance company, you would need to navigate to their website and give them your coverage information.
Deciding on an insurance company is decision based upon more than just the premium amount. Any agent in Omaha should be willing to answer these questions.
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Are you getting all the discounts the company offers?
- Does the agency support the community they serve?
- Does the agency have a positive business rating?
- If your car is totaled, how to they determine the replacement cost?
- Is the coverage adequate for your vehicle?
Different types of Omaha auto insurance agents
If you are searching for a local Omaha insurance agent, you should know the different agency structures and how they work. Agents can be classified as either exclusive agents or independent agents. Either one can sell affordable auto insurance policies, but it’s worth mentioning the subtle differences because it can influence the type of agent you choose.
Exclusive Auto Insurance Agencies
These type of agents normally can only provide a single company’s rates such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agents are very knowledgeable on their company’s products which helps them compete with independent agents. A lot of people use the same exclusive agent mainly due to high brand loyalty instead of buying on price only.
Below are Omaha exclusive agencies that are able to give price quotes.
- State Farm Insurance: Cory Juma
15665 Harrison St K – Omaha, NE 68136 – (402) 891-6161 – View Map - Larry Smith – State Farm Insurance Agent
11717 Burt St #105 – Omaha, NE 68154 – (402) 491-0111 – View Map - Sherman Willis – State Farm Insurance Agent
4915 N 120th St Ste 107 – Omaha, NE 68164 – (402) 493-1000 – View Map
Independent Auto Insurance Agencies
Independent agents do not work for one specific company so as a result can place your coverage with multiple insurance companies and find you cheaper rates. If your premiums go up, they simply switch companies in-house which makes it simple for you. When shopping rates, you definitely need to contact a few independent agents in order to compare the most rates. Most independent agents also contract with different regional companies which may provide better rates.
Below are independent agents in Omaha willing to provide price quotes.
- Chastain-Otis Insurance and Financial Services
10822 Old Mill Rd #2 – Omaha, NE 68154 – (402) 397-2500 – View Map - N P Dodge Insurance
8701 W Dodge Rd #100 – Omaha, NE 68114 – (402) 938-5008 – View Map - Vander Vorst Insurance Agency
15037 Industrial Rd – Omaha, NE 68144 – (402) 330-7979 – View Map
Omaha auto insurance companies ranked
Buying coverage from the top company can be challenging considering how many different companies sell coverage in Nebraska. The ranking data in the next section may help you decide which car insurance companies you want to consider shopping prices with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How much can you save?
Affordable Lexus GS 200t insurance in Omaha is possible on the web as well as from independent agents in Omaha, so you need to shop Omaha car insurance with both to have the best selection. Some insurance companies may not offer internet price quotes and usually these smaller companies only sell coverage through independent insurance agents.
When buying insurance coverage, do not buy less coverage just to save a little money. There are too many instances where an insured dropped comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.
Insureds change insurance companies for many reasons like lack of trust in their agent, unfair underwriting practices, an unsatisfactory settlement offer and not issuing a premium refund. Regardless of your reason for switching companies, choosing a new company is not as hard as you think.
Steps to finding cheaper quotes for Lexus GS 200t insurance in Omaha
The best way to save money on auto insurance rates in Omaha is to compare prices annually from companies in Nebraska. Drivers can shop around by following these steps.
- Try to understand how your policy works and the factors you can control to keep rates down. Many risk factors that increase rates such as distracted driving and a bad credit rating can be controlled by making lifestyle changes or driving safer.
- Quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or State Farm, while independent agencies can quote prices for a wide range of companies.
- Compare the new rates to your current policy to see if a cheaper rate is available in Omaha. If you find better rates and make a switch, make sure coverage does not lapse between policies.
- Provide notification to your current agent or company of your intent to cancel your current policy. Submit a completed policy application and payment to your new insurance company. As soon as you have the new policy, put the proof of insurance paperwork with the vehicle registration.
The most important part of shopping around is to compare the same level of coverage on every quote and and to analyze as many companies as you can. Doing this guarantees an apples-to-apples comparison and the best price selection.
To learn more, link through to the articles below:
- Distracted Driving Statistics (Insurance Information Institute)
- How Much are Car Insurance Quotes for 4×4 Vehicles in Omaha? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- Top Signs Your Brakes are Giving Out (State Farm)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)