Astonishing but true according to a recent study, over 70% of consumers have purchased from the same company for over three years, and nearly 40% of drivers have never even compared quotes to find lower-cost rates. The average driver in the U.S. could cut their rates by 47% a year by just comparing quotes, but they don’t invest the time required to shop their coverage around.
If you want to save money, the best way to find the cheapest price for car insurance rates in Omaha is to compare prices once a year from different companies who sell auto insurance in Nebraska.
- Step 1: Spend a few minutes and learn about how car insurance works and the things you can change to lower rates. Many rating factors that cause high rates like multiple speeding tickets and a not-so-good credit rating can be improved by improving your driving habits or financial responsibility.
- Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or State Farm, while independent agencies can quote prices from many different companies.
- Step 3: Compare the quotes to your current policy premium to see if a cheaper price is available. If you can save money and change companies, make sure there is no coverage gap between policies.
- Step 4: Notify your agent or company to cancel your current car insurance policy and submit any necessary down payment along with the completed application to the new insurer. Once the application is submitted, keep your new certificate verifying coverage somewhere easily accessible.
A tip to remember is to use identical coverages on each price quote and and to get rates from as many companies as possible. This enables a fair price comparison and a complete price analysis.
Companies offering low-cost Land Rover Discovery prices in Omaha, NE
The auto insurance companies shown below are ready to provide comparison quotes in Omaha, NE. To find cheap auto insurance in Omaha, it’s a good idea that you get prices from several of them in order to find the most affordable rates.
Discounts mean cheaper rates for Land Rover Discovery insurance in Omaha
Insurance is not inexpensive, but there’s a good chance there are discounts that can help lower your rates. Some of these discounts will be visible at the time of quoting, but occasionally some discounts must be asked about before being credited. If you don’t get every credit you qualify for, you’re paying more than you need to.
- Defensive Driver Discount – Taking a course teaching safe driver skills can save you 5% or more and make you a better driver.
- Passive Restraints and Air Bags – Factory air bags or automatic seat belts may get savings of 20 to 30 percent.
- Good Student Discount – Performing well in school can save 20 to 25%. This discount can apply up until you turn 25.
- Telematics Data Discounts – Drivers who elect to allow data collection to scrutinize driving manner remotely such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they have good driving habits.
- Distant College Student Discount – Kids who live away from home to go to college and won’t have access to an insured vehicle may qualify for this discount.
- Low Mileage Discounts – Low annual miles may allow you to get lower insurance rates due to less chance of an accident.
- Employee of Federal Government – Having worked for a branch of the government may reduce rates when you quote Omaha car insurance with a few insurance companies.
Don’t be shocked that most credits do not apply to the whole policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will help reduce your policy premiums.
A few popular companies and their possible discounts are:
- GEICO includes discounts for emergency military deployment, five-year accident-free, multi-policy, anti-theft, military active duty, federal employee, and driver training.
- Mercury Insurance has savings for low natural disaster claims, multi-car, anti-theft, annual mileage, type of vehicle, and ease of repair.
- Farmers Insurance offers premium reductions for homeowner, switch companies, teen driver, alternative fuel, and multi-car.
- Auto-Owners Insurance discounts include multi-policy, good student, group or association, paid in full, anti-theft, student away at school, and mature driver.
- Liberty Mutual may include discounts for multi-policy, exclusive group savings, hybrid vehicle, safety features, and teen driver discount.
- SAFECO offers discounts for accident prevention training, multi-car, homeowner, safe driver, teen safety rewards, bundle discounts, and anti-theft.
- Progressive offers discounts including online signing, multi-vehicle, continuous coverage, multi-policy, and good student.
- USAA may offer discounts for driver training, multi-vehicle, good student, vehicle storage, new vehicle, military installation, and defensive driver.
Before buying, ask each company which discounts you qualify for. Discounts may not be available in every state. If you would like to choose from a list of insurance companies that offer many of these discounts in Omaha, click here to view.
Which policy gives me the best coverage?
When selecting coverage online or from an agent, there really is not a cookie cutter policy. You are unique.
For instance, these questions can help discover whether or not you would benefit from an agent’s advice.
- Are combined or split liability limits better?
- How do I file an SR-22 for a DUI in Nebraska?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- What is the minimum liability in Nebraska?
- How much coverage applies to personal belongings?
- Are my custom wheels covered?
- Do all my vehicles need collision coverage?
- Do I get a pro-rated refund if I cancel my policy early?
- Am I covered when driving in Canada or Mexico?
If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.
Auto insurance agents can help
Certain consumers prefer to sit down and talk to an agent and that can be a smart move An additional benefit of comparing rates online is the fact that drivers can get the best rates and still have a local agent.
For easy comparison, once you complete this simple form, your information is sent to agents in your area who can give free rate quotes and help you find cheaper coverage. You won’t even need to do any legwork due to the fact that quote results will go to your email. You can get cheaper car insurance rates without having to waste a lot of time. In the event you want to get a comparison quote from a specific car insurance provider, feel free to find their quoting web page and fill out the quote form the provide.
Choosing the best insurer requires more thought than just a low price. A good agent in Omaha will have answers to these questions.
- Where would your vehicle be repaired?
- Is their price quote a firm figure or are their hidden costs?
- Do they have a Better Business Bureau rating in Omaha?
- Is there a local claims center in Omaha?
- Are you getting all the discounts the company offers?
If you want to buy car insurance from a reputable agency, there are two types of insurance agents that you can choose from. Car insurance agencies are categorized either exclusive agents or independent agents.
Exclusive Car Insurance Agents
Agents of this type are contracted to one company like Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to provide other company’s prices so they really need to provide good service. These agents are very knowledgeable on sales techniques which helps overcome the inability to quote other rates.
The following is a short list of exclusive insurance agencies in Omaha willing to provide rate quotes.
Tommy Hughes Jr – State Farm Insurance Agent
1321 Jones St #104 – Omaha, NE 68102 – (402) 346-1011 – View Map
Aaron Stockton – State Farm Insurance Agent
1411 N 72nd St – Omaha, NE 68114 – (402) 551-3455 – View Map
Daniel Kershaw – State Farm Insurance Agent
3525 N 147th St #209 – Omaha, NE 68116 – (402) 333-5108 – View Map
Independent Car Insurance Agents
Agents of this type are not required to write business for one company so they can write business through many different car insurance companies and help determine which has the cheapest rates. If your premiums go up, they simply move the coverage in-house which is easy for the insured. When searching for an agent, it’s recommended you get some free quotes from several independent agencies in order to have the best price comparison.
The following is a list of independent insurance agencies in Omaha that are able to give price quotes.
Best Insurance Agency
7300 F St – Omaha, NE 68127 – (402) 331-1515 – View Map
Accredited Insurance Group, Inc.
11347 Davenport St – Omaha, NE 68154 – (402) 334-1780 – View Map
Auto Insurance Mart
1913 Military Ave – Omaha, NE 68111 – (402) 553-0700 – View Map
How to find a good Omaha auto insurance company
Choosing a high-quality car insurance provider can be rather challenging considering how many different companies insure vehicles in Omaha. The company information in the lists below may help you decide which auto insurers to look at when shopping your coverage around.
Top 10 Omaha Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- State Farm
- Liberty Mutual
- Allstate
- Safeco Insurance
- 21st Century
- Travelers
- Titan Insurance
The best rates come from being thorough
When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, an insured dropped full coverage only to regret that the few dollars in savings costed them thousands. Your goal is to get the best coverage possible at an affordable rate while not skimping on critical coverages.
We covered some good ideas how you can lower your Land Rover Discovery insurance premium rates in Omaha. The key concept to understand is the more quotes you get, the better your chances of lowering your prices. Drivers may even discover the most savings is with a small mutual company.
Discount Land Rover Discovery insurance in Omaha is attainable from both online companies and from local insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not provide internet price quotes and most of the time these regional insurance providers only sell through local independent agencies.
Additional detailed information is located by following these links:
- Understanding Limits and Deductibles (Allstate)
- Who Has Affordable Omaha Auto Insurance for a Ford F-150? (FAQ)
- Who Has Cheap Omaha Auto Insurance Quotes for Used Cars? (FAQ)
- How Much are Omaha Auto Insurance Rates for 18 Year Olds? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Chevrolet Silverado in Omaha? (FAQ)
- Who Has Cheap Car Insurance Quotes for Drivers with a Bad Driving Record in Omaha? (FAQ)
- Winter Driving (Insurance Information Institute)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)