We don’t have to point out that fact that insurance companies don’t want you to look for cheaper rates. Insureds who get price comparisons are very likely to switch companies because they stand a good chance of finding a policy with more affordable rates. Surprisingly, a recent survey revealed that consumers who compared rate quotes regularly saved as much as $3,500 over four years compared to drivers who don’t make a habit of comparing rates.
If saving money on Lincoln Navigator insurance in Omaha is your intention, then learning a little about how to shop for coverages can help you succeed in finding affordable rates.
If your goal is the lowest price, then the best way to save money on car insurance rates in Omaha is to make a habit of regularly comparing prices from insurance carriers that sell auto insurance in Nebraska.
- It will benefit you to learn about how companies price auto insurance and the measures you can control to keep rates in check. Many risk factors that drive up the price such as multiple speeding tickets and a less-than-favorable credit score can be eliminated by making small lifestyle or driving habit changes.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like GEICO and Allstate, while independent agencies can give you price quotes from multiple insurance companies.
- Compare the quotes to your existing policy to see if you can save by switching companies. If you find better rates and buy the policy, verify that coverage does not lapse between policies.
One key aspect when comparing rates is that you’ll want to compare the same level of coverage on each price quote and and to get quotes from as many carriers as you can. This ensures an apples-to-apples comparison and a good representation of prices.
Finding the cheapest auto insurance coverage in Omaha is quite easy if you know the best way to do it. In a nutshell, every car owner who needs cheaper auto insurance most likely will be able to find better rates. But Nebraska drivers must know how insurance companies price insurance differently and use this information to your advantage.
Cheapest companies for Lincoln Navigator insurance
The companies in the list below offer price comparisons in Omaha, NE. If you want the best car insurance in Omaha, NE, we recommend you visit as many as you can to get a more complete price comparison.
Rates and statistics
The premium information displayed below covers estimates of coverage costs for Lincoln Navigator models. Being able to understand how insurance prices are calculated can aid in making informed decisions when comparing rate quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Navigator L 2WD||$396||$778||$404||$24||$122||$1,724||$144|
|Navigator L 4WD||$396||$778||$404||$24||$122||$1,724||$144|
|Get Your Own Custom Quote Go|
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Table data does not factor in specific zip code location which can increase or decrease insurance rates greatly.
The chart below shows how choosing a deductible and can change Lincoln Navigator insurance rates for each different age group. The data assumes a single female driver, full physical damage coverage, and no policy discounts are applied.
Bad driving habits will cost you more
The example below demonstrates how traffic citations and at-fault accidents can influence Lincoln Navigator yearly insurance costs for each different age category. The premium estimates are based on a married male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
Annual premiums for males versus females
The example below shows the difference between Lincoln Navigator auto insurance rates for male and female drivers. The information is based on no claims or violations, full physical damage coverage, $100 deductibles, single status, and no discounts are applied to the premium.
Should you buy full coverage?
The example below illustrates the difference between Lincoln Navigator insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on a clean driving record, no claims, $100 deductibles, single marital status, and no discounts are applied.
When to stop buying physical damage coverage
There is no set guideline of when to drop full coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than about 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Lincoln Navigator replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after paying your policy deductible. If you are currently paying more than $600 annually for full coverage, then it may be the right time to buy liability only.
There are some cases where buying only liability insurance is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not remove full coverage.
Car insurance rates and discounts
Some insurance providers don’t always advertise all available discounts in a way that’s easy to find, so the following list contains both the well known and also the lesser-known car insurance savings. If you do not check that you are getting every discount you deserve, you are not getting the best rate possible.
- Smart Student Discounts – Getting good grades can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
- No Charge for an Accident – This one isn’t a discount, but some insurance companies will allow you to have one accident without the usual rate increase as long as you don’t have any claims prior to being involved in the accident.
- Discounts for Responsible Drivers – Safe drivers can save up to 40% or more on their Omaha auto insurance quote compared to accident prone drivers.
- Student Discount for Driver Training – Teen drivers should successfully take a driver’s education course in high school.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
- Claim Free – Good drivers with no accidents pay much less when compared to drivers with a long claim history.
As a sidenote, some credits don’t apply to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, companies wouldn’t make money that way.
The illustration below shows the difference between Lincoln Navigator insurance rates with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no violations or claims, 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-car, claim-free, marriage, homeowner, safe-driver, and multi-policy discounts applied.
Large car insurance companies and a selection of discounts are shown below.
- Mercury Insurance may include discounts for accident-free, good student, multi-policy, multi-car, ease of repair, and professional/association.
- Farmers Insurance has discounts for early shopping, switch companies, teen driver, good student, distant student, and alternative fuel.
- Farm Bureau may have discounts that include youthful driver, renewal discount, safe driver, multi-policy, and driver training.
- State Farm policyholders can earn discounts including multiple autos, safe vehicle, Drive Safe & Save, driver’s education, and good driver.
- Allstate offers discounts including good student, premier plus, resident student, senior citizen, passive restraint, FullPay discount, and EZ pay plan discount.
- GEICO includes discounts for anti-lock brakes, seat belt use, daytime running lights, anti-theft, and defensive driver.
Before purchasing a policy, check with each company how you can save money. Some of the discounts discussed earlier may not apply to policies in Omaha. To see a list of insurers offering car insurance discounts in Omaha, click here to view.
Local insurance agents
A lot of people still like to buy from a licensed agent and that is not a bad decision The biggest benefit of getting online price quotes is you may find lower rates and also buy local.
To make it easy to find an agent, after completing this simple form, the coverage information is instantly submitted to agents in your area that can give you free Omaha auto insurance quotes for your insurance coverage. It makes it easy because there is no need to search for any insurance agencies due to the fact that quote results will go to your email. You can find the lowest rates without requiring a lot of work. If you want to compare rates from a specific insurance provider, just jump over to their website and submit a quote form there.
Choosing an insurance company should include more criteria than just the quoted price. These are some valid questions you should ask.
- Will the agent help in case of a claim?
- How much can you save by raising your physical damage deductibles?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Do they offer rental car reimbursement?
- Is insurance their full-time profession?
When finding a reliable agent, there are two types of insurance agents that you can select. Insurance policy providers are either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agents
Agents that choose to be exclusive can only provide one company’s prices and examples are AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are usually quite knowledgeable on their company’s products which helps them sell on service rather than price. A lot of people buy insurance from these agents mostly because of the prominent brand name instead of buying on price only.
The following is a list of exclusive insurance agencies in Omaha who can help you get price quote information.
- Jackie Pletan – State Farm Insurance Agent
8333 Cass St – Omaha, NE 68114 – (402) 391-2673 – View Map
- Rudy Partida – State Farm Insurance Agent
639 N 98th St – Omaha, NE 68114 – (402) 333-5104 – View Map
- American Family Insurance – Randy Baker Agency Inc.
13768 Millard Ave – Omaha, NE 68137 – (402) 895-1300 – View Map
Independent agents are not required to write business for one company so they can insure your vehicles through many different insurance companies and help determine which has the cheapest rates. To move your coverage to a new company, the agent simply finds a different carrier which makes it simple for you. When comparing insurance rates, you definitely need to include rate quotes from several independent agencies to ensure the widest selection of prices. A lot of them also have access to companies you’ve never heard of that may have much lower rates than larger companies.
Shown below is a list of independent insurance agencies in Omaha who can help you get comparison quotes.
- Jensen Insurance
16909 Burke St #125 – Omaha, NE 68118 – (402) 391-5100 – View Map
- Encore Insurance Group of Omaha
11929 Elm St Suite 11 – Omaha, NE 68144 – (402) 552-8700 – View Map
- Alvarez Insurance Agency
4629 S 23rd St – Omaha, NE 68107 – (402) 733-1878 – View Map
Car insurance coverage information
Understanding the coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.
Liability auto insurance
This can cover damages or injuries you inflict on people or other property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged property.
Liability coverage pays for things such as structural damage, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible. Nebraska state minimum liability requirements are 25/50/25 but you should think about purchasing better liability coverage.
The illustration below demonstrates why buying the state minimum limits may not provide you with enough coverage.
Uninsured or underinsured coverage
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required (25/50/25), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as theft, rock chips in glass, fire damage, hitting a bird and falling objects. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision insurance pays for damage to your Navigator resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims such as scraping a guard rail, damaging your car on a curb, colliding with another moving vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible on your Navigator to save money on collision insurance.
Medical expense coverage
Coverage for medical payments and/or PIP reimburse you for bills for prosthetic devices, X-ray expenses, nursing services, funeral costs and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Persistence pays off
Drivers switch companies for a variety of reasons including unfair underwriting practices, policy cancellation, being labeled a high risk driver or even high prices. It doesn’t matter why you want to switch finding a new auto insurance company is less work than it seems.
Budget-conscious Lincoln Navigator insurance can be bought both online and from local agencies, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers do not offer online price quotes and usually these small insurance companies only sell coverage through independent agents.
While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. In too many instances, an insured cut collision coverage only to find out that the savings was not a smart move. Your goal should be to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.
Additional detailed information can be found in the articles below:
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Who Has the Cheapest Car Insurance Rates for a Learners Permit in Omaha? (FAQ)
- Who Has Cheap Auto Insurance for Felons in Omaha? (FAQ)
- How Much is Auto Insurance for Teenage Males in Omaha? (FAQ)
- Who Has the Cheapest Omaha Auto Insurance for Postal Workers? (FAQ)
- How Much is Car Insurance for Inexperienced Drivers in Omaha? (FAQ)
- Who Has Cheap Omaha Auto Insurance for Unemployed Drivers? (FAQ)
- Crash Avoidance Technologies FAQ (iihs.org)
- Auto Insurance 101 (About.com)