If saving money is your primary concern, then the best way to find affordable auto insurance rates is to begin comparing prices regularly from insurance carriers who can sell car insurance in Omaha. Rates can be compared by following these guidelines.
- Try to comprehend policy coverages and the things you can change to prevent high rates. Many factors that cause rate increases such as traffic citations and a not-so-good credit rating can be eliminated by improving your driving habits or financial responsibility. Read the full article for tips to help keep rates affordable and get additional discounts that may have been overlooked.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from one company like GEICO or Allstate, while independent agencies can provide prices from multiple companies.
- Compare the new rates to your existing policy to see if a cheaper rate is available. If you find a lower rate and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide adequate notice to your current company to cancel your current coverage. Submit the application along with any required down payment to the new insurer. Immediately upon receiving it, keep your new proof of insurance certificate with the vehicle registration.
An important note is that you’ll want to compare similar coverage information on each quote and and to compare as many companies as you can. Doing this helps ensure a level playing field and the best price selection.
Regrettably, over 70% of consumers renewed their policy with the same company for more than four years, and 38% of drivers have never quoted rates to find cheaper coverage. Many consumers in the United States could save an average of almost 46.5% each year just by getting comparison quotes, but they just don’t want to shop their coverage around.
Learn How to Lower Your Insurance Premiums
The best way to find cheaper insurance is to take a look at a few of the rating criteria that help determine your policy premiums. If you know what determines premiums, this enables informed choices that can earn you much lower annual insurance costs. Lots of factors are part of the calculation when pricing auto insurance. A few of the factors are predictable such as your driving record, but some are more transparent like your continuous coverage or how safe your car is.
The list below includes some of the items that factor into your prices.
- Does your vocation raise your rates? – Did you know your job can affect your rates? Jobs like real estate brokers, executives, and accountants tend to have higher rates than the rest of us due to high stress and extremely grueling work hours. Conversely, jobs like professors, historians and the unemployed have lower than average premiums.
- Don’t skimp on liability insurance – Your policy’s liability coverage kicks in if ever a jury decides you are liable for personal injury or accident damage. Liability provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
- Prevent your car from being stolen – Choosing to buy a car with a theft deterrent system can save you a little every year. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent your car from being stolen.
- Save money with good credit – Having a bad credit score is a big factor in calculating your insurance rates. Insureds that have very good credit scores tend to file fewer claims than those with lower credit scores. So if your credit rating is low, you could be paying less to insure your Nissan Altima if you improve your credit rating.
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Gender and insurance prices – Over the last 30 years, statistics show females are less aggressive when driving. The data does not necessarily mean that men are worse drivers. Females and males are in auto accidents at a similar rate, but the males cause more damage. They also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 tend to get in the most accidents so they pay the highest premiums.
The diagram below compares Nissan Altima yearly insurance costs for male and female drivers. The rates are based on no violations or claims, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no policy discounts are applied.
- Better rates for being claim-free – Insurance companies in Nebraska generally give cheaper rates to drivers who are not frequent claim filers. If you are the type of insured that files lots of claims you can look forward to increased rates or even have your policy non-renewed. Your insurance policy is intended for claims that you cannot pay yourself.
- Being married can lower prices – Having a wife or husband may save some money on your policy. Having a spouse may mean you are more mature and responsible and statistics show married drivers tend to file fewer claims.
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Nissan Altima claim probability – Insurance companies use data from past claims to help determine the price you pay. Models that have higher number or severity of losses will cost more to insure. The table below demonstrates the insurance loss data for Nissan Altima vehicles.
For each insurance policy coverage type, the claim amount for all vehicles, regardless of make, model or trim level, is considered to be 100. Values below 100 suggest losses that are better than average, while numbers above 100 point to more frequent losses or statistically larger losses.
Nissan Altima Insurance Loss Statistics Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Nissan Altima 110 97 119 144 147 114 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
The best way to compare insurance rates from multiple companies is to know the trick most of the larger companies participate in a system to compare rate quotes. To get started, all you need to do is take a few minutes to give details like if you’re married, if it has an anti-theft system, the year, make and model of vehicles, and your general credit rating. The rating information is sent automatically to many different companies and you will get price comparisons instantly to find the best rate.
To check Nissan Altima insurance prices now, click here and see if a lower rate is available in Omaha.
The auto insurance companies shown below have been selected to offer quotes in Nebraska. If you wish to find cheap car insurance in Omaha, NE, we suggest you click on several of them to get a more complete price comparison.
Nissan Altima insurance coverage information
The information displayed below showcases estimates of insurance costs for Nissan Altima models. Being aware of how insurance policy premiums are formulated helps drivers make smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $252 | $536 | $362 | $22 | $108 | $1,280 | $107 |
| Altima 2.5 S 4-Dr Sedan | $252 | $632 | $362 | $22 | $108 | $1,376 | $115 |
| Altima Hybrid 4-Dr Sedan | $286 | $632 | $362 | $22 | $108 | $1,410 | $118 |
| Altima 2.5 S 2-Dr Coupe | $286 | $632 | $410 | $24 | $122 | $1,474 | $123 |
| Altima 3.5 SR 4-Dr Sedan | $286 | $632 | $362 | $22 | $108 | $1,410 | $118 |
| Altima 3.5 SR 2-Dr Coupe | $286 | $726 | $410 | $24 | $122 | $1,568 | $131 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in zip code location which can impact coverage rates greatly.
How high should deductibles be?
One of the more difficult decisions when buying car insurance is which deductibles should you choose. The following insurance rates may help to illustrate the rate differences between high and low physical damage coverage deductibles. The first data set uses a $250 deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Altima 2.5 S 4-Dr Sedan | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| Altima Hybrid 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Altima 2.5 S 2-Dr Coupe | $262 | $460 | $338 | $20 | $102 | $1,207 | $101 |
| Altima 3.5 SR 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Altima 3.5 SR 2-Dr Coupe | $262 | $530 | $338 | $20 | $102 | $1,277 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Altima 2.5 S 4-Dr Sedan | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| Altima Hybrid 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Altima 2.5 S 2-Dr Coupe | $212 | $370 | $338 | $20 | $102 | $1,042 | $87 |
| Altima 3.5 SR 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Altima 3.5 SR 2-Dr Coupe | $212 | $428 | $338 | $20 | $102 | $1,100 | $92 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can change premium rates noticeably.
We can estimate from the data above that using a $250 deductible costs approximately $13 more each month or $156 a year averaged for all Altima models than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have more than 19 months between claim filings, you would most likely save money if you choose the higher deductible.
Difference between liability only and full coverage rates
The information below shows the difference between Nissan Altima insurance costs when comparing full coverage to state minimum liability only. The costs are based on no accidents, no driving violations, $500 deductibles, drivers are single, and no discounts are factored in.
Guidelines for eliminating full coverage
There is no definitive formula for eliminating physical damage insurance, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let’s assume your Nissan Altima replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,000 after paying your policy deductible. If you are paying in excess of $500 a year to have full coverage, then you might want to consider buying only liability coverage.
There are a few situations where buying only liability insurance is not a good plan. If you still owe money on your vehicle, 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 if your current one is in an accident, you should not remove full coverage.
Auto insurance protects more than just your car
Despite the high cost of buying insurance for a Nissan Altima in Omaha, auto insurance may be mandatory for several reasons.
- Almost all states have minimum liability requirements which means you are required to buy specific minimum amounts of liability in order to be legal. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your Altima with a loan, it’s guaranteed your bank will make it a condition of the loan that you have full coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Nissan at a significantly higher premium and force you to pay a much higher amount than you were paying before.
- Auto insurance protects both your Nissan Altima and your personal assets. It will also cover many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If mother nature or an accident damages your car, your policy will pay to repair the damage.
The benefits of having auto insurance definitely exceed the cost, specifically if you ever have a liability claim. On average, a vehicle owner in Omaha is overpaying over $865 each year so it’s important to compare rates once a year at a minimum to ensure rates are inline.
Insurance policy discounts for Nissan Altima insurance in Omaha
Some providers don’t always publicize every available discount in a way that’s easy to find, so the list below details a few of the more well known and the more hidden credits available to you. If they aren’t giving you every credit you qualify for, you may be paying too high a price.
- One Accident Forgiven – Not a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm will forgive one accident without getting socked with a rate hike with the catch being you have to be claim-free for a specific time period.
- Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you a discount if you purchase some life insurance in addition to your auto policy.
- Senior Citizen Discount – Drivers that qualify as senior citizens can possibly qualify for a slight reduction on a Omaha car insurance quote.
- Good Grades Discount – Performing well in school can get you a discount 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 complete a driver education course as it will make them better drivers and lower rates.
- Professional Organizations – Belonging to specific professional or occupational memberships or organizations could trigger savings on your policy.
Please keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.
The illustration below compares Nissan Altima insurance prices with and without policy discounts. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, Nebraska state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, marriage, claim-free, and homeowner discounts applied.
Large insurance companies and some of the discounts can be found below.
- Travelers offers discounts including good student, hybrid/electric vehicle, multi-car, payment discounts, and driver training.
- 21st Century offers discounts for anti-lock brakes, automatic seat belts, early bird, 55 and older, and defensive driver.
- State Farm may offer discounts for multiple autos, good student, Drive Safe & Save, passive restraint, anti-theft, multiple policy, and student away at school.
- GEICO may include discounts for membership and employees, daytime running lights, anti-theft, multi-policy, anti-lock brakes, seat belt use, and air bags.
- SAFECO may have discounts that include drive less, safe driver, accident prevention training, teen safety rewards, anti-lock brakes, anti-theft, and bundle discounts.
- AAA has savings for anti-theft, good student, pay-in-full, good driver, and education and occupation.
It’s a good idea to ask every prospective company how you can save money. Some credits might not apply everywhere. To view insurance companies with significant discounts in Omaha, click here.
Do I need an agent?
Many people still prefer to talk to an insurance agent and there is nothing wrong with that. Most agents can help you build your policy and help submit paperwork. A good thing about comparing insurance prices online is you may find cheap car insurance quotes but also keep your business local. Supporting neighborhood insurance agencies is important particularly in Omaha.
To find an agent, once you fill out this short form, the coverage information gets sent to agents in your area that can give you free Omaha car insurance quotes for your business. You don’t have to leave your house since price quotes are sent to the email address you provide. If for some reason you want to compare prices from one company in particular, you just need to visit that company’s website and give them your coverage information.
Compare rates from both independent and exclusive car insurance agents
If you are wanting to find a good Omaha insurance agent, it helps to know the two different types of agents and how they work. Insurance agencies in Omaha can be classified as either independent agents or exclusive agents. Either type can insure your vehicles, but it’s good to learn the difference in the companies they write for since it could factor into your agent selection.
Independent Car Insurance Agencies or Brokers
Independent agencies can sell policies from many different companies so they can write business amongst many companies and get the cheapest rates. If they find a lower price, your policy is moved internally which requires no work on your part.
When shopping rates, you will want to include price quotes from a couple of independent agencies to ensure the widest selection of prices. They often place coverage with companies that do not advertise much which may have better rates.
The following is a small list of independent insurance agencies in Omaha who may provide free car insurance rate quotes.
- Nia Insurance Agency Inc
2816 N 24th St – Omaha, NE 68110 – (402) 779-8999 – View Map - Best Insurance Agency
7300 F St – Omaha, NE 68127 – (402) 331-1515 – View Map - Omaha Division Insurance
14792 Ray Sapp Dr – Omaha, NE 68138 – (402) 334-7087 – View Map
Exclusive Agencies
These type of agents generally can only insure with one company and some examples include State Farm, Allstate, and Farm Bureau. They are unable to provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents receive extensive training on their company’s products and that enables them to sell even at higher rates. Consumers frequently use the same agent primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.
Listed below is a list of exclusive agencies in Omaha who can help you get rate quotes.
- American Family Insurance – Randy Baker Agency Inc.
13768 Millard Ave – Omaha, NE 68137 – (402) 895-1300 – View Map - Anthony Anderson – State Farm Insurance Agent
11204 Davenport St #200 – Omaha, NE 68154 – (402) 393-0300 – View Map - Tom Kaspar – State Farm Insurance Agent
1722 N 120th St – Omaha, NE 68154 – (402) 493-0101 – View Map
Finding a good auto insurance agent requires more thought than just the price. Any good agent in Omaha should know the answers to these questions.
- Will you work with the agent or an assistant?
- How would your car be valued if totaled?
- Do the companies they represent have a solid financial rating?
- Can they give you a list of client referrals?
- Where are claims handled?
- Is vehicle mileage a factor when determining depreciation for repairs?
After getting good feedback to any questions you may have and an affordable coverage quote, you’ve probably found an auto insurance agent that can provide car insurance coverage.
How to know if you need help
When buying insurance from an agent or online, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that.
These are some specific questions can help discover if you will benefit from professional help.
- At what point should I drop full coverage?
- Am I covered if I hit someone who is not insured?
- Am I covered if hit by an uninsured driver?
- I have a DUI can I still get coverage?
- Is my cargo covered for damage or theft?
- If I use my vehicle for business use is it covered?
- Should I file a claim if it’s only slightly more than my deductible?
- What is the difference between comprehensive and collision coverage?
- What is the rate difference between pleasure use and commuting?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.
In the end, you can save money
Lower-priced Nissan Altima insurance in Omaha is definitely available on the web as well as from independent agents in Omaha, so you need to shop Omaha car insurance with both so you have a total pricing picture. A few companies may not provide internet price quotes and these regional insurance providers provide coverage only through local independent agencies.
As you shop your coverage around, never buy less coverage just to save a little money. There have been many cases where someone sacrificed uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your aim should be to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.
Additional auto insurance information can be found below:
- Young Drivers: The High Risk Years Video (iihs.org)
- Who Has Affordable Auto Insurance for Young Drivers in Omaha? (FAQ)
- Who Has Cheap Omaha Auto Insurance for Unemployed Drivers? (FAQ)
- Who Has Cheap Car Insurance for Drivers Requiring a SR22 in Omaha? (FAQ)
- Older Drivers FAQ (iihs.org)
- Collision Insurance Coverage (Nationwide)
- Distracted Driving (Insurance Information Institute)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)