Finding competitive coverage for a Ford Explorer depends on a very complex rating algorithm that uses multiple factors such as how far you commute, where you live, and if you have a history of accidents. Drivers in Nebraska will pay on average $946 a year for Explorer insurance, but that price is a valuation based upon a 40-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 40 years old and maybe not even female, maybe you are married instead of single, or maybe you live in a different area as the quoted rates. Even a minor change in the criteria used to calculate rates may result in significant differences in how much coverage for a Ford Explorer costs.
There is no one cookie-cutter policy that works for everyone, so the only real way to find the most affordable coverage for your Ford is to compare rates from as many companies as possible. Quotes are free and easy and you can get prices from top-rated car insurance companies that insure vehicles in Nebraska.
Vehicle trim level can impact the annual cost of coverage, so the price you will pay to insure a Explorer XLT 2WD will be $88 less expensive the insurance cost for the higher-priced Explorer Limited AWD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$180||$292||$390||$24||$116||$1,002||$84|
|Explorer Eddie Bauer 2WD||$180||$292||$390||$24||$116||$1,002||$84|
|Explorer XLT 4WD||$180||$292||$390||$24||$116||$1,002||$84|
|Explorer XLT AWD||$180||$292||$390||$24||$116||$1,002||$84|
|Explorer Eddie Bauer 4WD||$204||$356||$390||$24||$116||$1,090||$91|
|Explorer Eddie Bauer AWD||$204||$356||$390||$24||$116||$1,090||$91|
|Explorer Limited 2WD||$204||$356||$390||$24||$116||$1,090||$91|
|Explorer Limited 4WD||$204||$356||$390||$24||$116||$1,090||$91|
|Explorer Limited AWD||$204||$356||$390||$24||$116||$1,090||$91|
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can raise or lower coverage rates noticeably.
Selecting the right auto insurance provider can be difficult considering how many choices drivers have in Omaha. The ranking information displayed below may help you choose which auto insurers to look at purchasing from.
These rankings are only made up of large, nationwide insurance companies, so smaller regional companies are not included in this list. To compare price quotes and find cheaper insurance for a Ford Explorer, just click here.
Top 10 Large Auto Insurers in Omaha Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- The Hartford – 87%
- Progressive – 87%
- AAA Insurance – 87%
- Farmers Insurance – 87%
- Liberty Mutual – 87%
Top 10 Large Auto Insurers in Omaha Ranked by Customer Service
- State Farm
- Safeco Insurance
- American Family
- Liberty Mutual
- The Hartford
- Farmers Insurance
Poor driving habits will raise your auto insurance rates
In a perfect world, the best way to receive cheap auto insurance prices in Omaha for an Explorer is to be a careful driver and maintain a clean driving record. The diagram below illustrates how violations and accidents can raise yearly insurance costs for each age group. The costs are based on a married female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
In the previous example, the average cost of car insurance in Nebraska per year with no accidents and a clean driving record is $1,315. Get written up for one speeding ticket and the average cost rises to $1,532, an increase of $217 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Ford Explorer increases to an average of $3,457. That’s an increase of $2,142, or $178 per month, just for not being more responsible behind the wheel!
Shop around and save
Omaha auto insurance rates are influenced by many factors which can significantly increase or decrease the cost of having a policy. Improving your credit rating, buying a different home, or getting a couple of tickets can trigger price changes resulting in some rates now being cheaper in comparison to the competition.
In addition, car insurance companies amend premium rates at least once a year to ensure their profitability. Heavy losses may cause increased policy costs, while lower claim levels can produce cheaper Explorer insurance rates.
To illustrate this example, the chart below shows a variety of companies that have the cheapest car insurance in Omaha, NE for a 45-year-old male driver with a clean driving record, no accidents, and good financial standing. If we compare prices based on his current risk factors, Safeco may have the cheapest car insurance rates in Omaha at $896 per year. This is $420 less than the average policy premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska are the remaining cheapest Omaha, NE auto insurance companies.
In this next rate comparison, we will give the driver from the first set of rates a chargeable claim, less-than-perfect credit, and an imperfect driving record. Since each insurance company has a proprietary formula to set their prices, getting updated rate quotes may now show a new list of the cheapest car insurance companies in Omaha as shown below.
Nationwide now has the cheapest auto insurance in Omaha, NE with State Farm, American National, General Casualty, and USAA also having competitive pricing. This illustrates why drivers need to spend some time comparing rates when trying to find the lowest car insurance rates for a Ford Explorer. Insurance prices can be determined by many things and change frequently, so the cheapest option two years ago may now be an over-priced policy.
How to find budget-friendly car insurance for a Ford Explorer
It is possible to find better rates, and here are some thrifty ideas that can help drivers find low-cost coverage.
- Accident-free drivers may qualify for discounts
- Increase your physical damage deductibles
- The safer your car, the less it costs to insure
- Keep your driving record clean
- Higher credit scores can equal lower rates
- Comparison shop at least once a year
The last tip in the list is extremely vital, as was noted in the prior article. Auto insurance rates in Omaha adjust often, so drivers shouldn’t be resistant to switch companies if a lower-cost policy is available. Many consumers stick with the same company and that’s fine, but it’s not a great idea if that devotion results in you overpaying several hundred dollars every year. Take a couple minutes and compare prices to find cheaper insurance for a Ford Explorer.
If you have questions and prefer to have the advice of a professional agent when buying car insurance for a Ford Explorer, the professional agents shown below are willing to help you determine which is the best policy. To find an Omaha insurance agency close to where you live, click the button following the list.
- AA Brokers Insurance Agency Inc.
2214 N 90th Plaza – Omaha, NE 68134 – (402) 392-1930
- Larry Smith – State Farm Insurance Agent
11717 Burt St #105 – Omaha, NE 68154 – (402) 491-0111
- Davis Companies
1313 Cuming St #200 – Omaha, NE 68102 – (402) 399-9090