Smart shoppers know that car insurance companies don’t want you to look at other companies. Insureds who shop around are very likely to switch to a new company because there is a significant possibility of finding lower rate quotes. A recent survey discovered that consumers who routinely compared quotes saved an average of $3,400 over four years compared to other drivers who never compared other company’s rates.
If saving the most money on auto insurance in Omaha is your intention, learning how to get rate quotes and compare auto insurance can save money and time.
The best way we recommend to get discount auto insurance rates in Omaha is to start doing an annual price comparison from insurance carriers who sell auto insurance in Nebraska.
- Learn about the coverage provided by your policy and the changes you can make to prevent high rates. Many risk factors that cause rate increases like speeding tickets, accidents and a less-than-favorable credit rating can be eliminated by making small lifestyle or driving habit changes.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive or State Farm, while agents who are independent can give you price quotes for a wide range of insurance providers.
- Compare the quotes to your current policy premium to see if cheaper Town and Country coverage is available in Omaha. If you can save some money and change companies, verify that coverage does not lapse between policies.
- Provide adequate notice to your current company to cancel your existing policy and submit a down payment and signed policy application to the new company. As soon as coverage is bound, keep the new certificate verifying proof of insurance in an easily accessible location in your vehicle.
One important bit of advice is that you’ll want to make sure you compare the same level of coverage on every quote request and and to look at all possible companies. This guarantees a level playing field and a thorough price selection.
Cheap Chrysler insurance rates in Omaha
The companies shown below offer quotes in Nebraska. To buy cheap car insurance in Omaha, NE, we recommend you visit two to three different companies to get the most affordable price.
Premium rates and analysis
The table below outlines detailed analysis of coverage prices for Chrysler Town and Country models. Knowing how insurance policy premiums are figured can be of help when making smart choices when purchasing an insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Town and Country LX||$158||$248||$344||$20||$102||$872||$73|
|Town and Country Touring||$180||$302||$344||$20||$102||$948||$79|
|Town and Country Signature||$180||$302||$344||$20||$102||$948||$79|
|Town and Country Touring Plus||$180||$302||$344||$20||$102||$948||$79|
|Town and Country Limited||$200||$356||$344||$20||$102||$1,022||$85|
|Get Your Own Custom Quote Go|
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium costs do not factor in vehicle garaging location which can revise insurance rates substantially.
The illustration below highlights how deductible selection and can increase or decrease Chrysler Town and Country insurance costs for different age categories. The price estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Car insurance rates are higher with tickets and accidents
The example below illustrates how speeding tickets and at-fault accidents can affect Chrysler Town and Country car insurance rates for each different age group. The premiums assume a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.
Price comparison of only insuring for liability
The diagram below illustrates the comparison of Chrysler Town and Country premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Nebraska. The premium estimates are based on no accidents, no driving violations, $500 deductibles, single marital status, and no discounts are applied.
When to stop paying for full coverage
There is no definitive formula of when to drop physical damage coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Chrysler Town and Country replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $3,000 after paying the physical damage deductible. If it’s costing in excess of $300 annually to have full coverage, then you might want to consider buying only liability coverage.
There are a few cases where eliminating full coverage is not a good idea. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.
Affordable Chrysler Town and Country insurance in Omaha
Some insurance providers don’t list the complete list of policy discounts very well, so the following is a list of a few of the more common as well as some of the hidden credits available to bring down your rates.
- Switch and Save Discount – Some insurance companies reward drivers for renewing your policy before your current Town and Country insurance policy expires. This discount can save up to 10%.
- Defensive Driver Discounts – Completing a defensive driving course could earn you a small percentage discount depending on where you live.
- Discount for Life Insurance – Auto insurance companies who offer life insurance give a discounted premium rate on car insurance if you buy life insurance from them.
- Mature Driver Discount – If you’re over the age of 55, you may receive lower premium rates.
- Club Memberships – Joining a civic or occupational organization in Omaha may earn a discount on your bill.
- Seat Belt Discounts – Forcing all vehicle occupants to wear their seat belts could save 15% off the personal injury premium cost.
- Low Mileage – Driving fewer miles may allow you to get better premium rates on cars that stay parked.
- Good Students Pay Less – Being a good student could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
Policy discounts save money, but most of the big mark downs will not be given to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.
The information below illustrates the comparison of Chrysler Town and Country yearly insurance costs with and without discounts applied to the policy premium. The data assumes a female driver, no accidents, no driving violations, Nebraska state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, safe-driver, claim-free, and multi-car discounts applied.
Insurance companies that may offer some of the discounts shown above include:
If you want inexpensive Omaha auto insurance quotes, ask every prospective company to give you their best rates. Discounts may not be offered in Omaha. For a list of companies who offer online Chrysler Town and Country insurance quotes in Omaha, follow this link.
Don’t I need to contact an insurance agent?
Many people just want to buy from a local agent and that is just fine! The biggest benefit of comparing rate quotes online is the fact that you can find cheaper car insurance rates and still have an agent to talk to. Buying from and supporting neighborhood agents is especially important in Omaha.
After filling out this form (opens in new window), the coverage information is emailed to agents in your area who can give free rate quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to find an agent as quotes are delivered to you instantly. It’s the lowest rates without a big time investment. If for some reason you want to get a comparison quote from a specific insurance company, you would need to visit that company’s website and submit a quote form there.
Exclusive or Independent: There is a difference
If you are wanting to find a reputable agency, it can be helpful to understand the different types of agents and how they are distinctly different. Omaha agents can be described as either independent agents or exclusive agents depending on their employer.
Independent insurance agents are not employed by any specific company and that gives them the ability to insure with an assortment of companies enabling the ability to shop coverage around. If they quote lower rates, they simply move your policy to a different company and that require little work on your part.
If you need lower rates, you will definitely want to contact a couple of independent agencies to have the best price comparison. Most also write with small regional insurance companies who may have lower rates.
Shown below is a short list of independent agents in Omaha that can possibly get you price quote information.
- New Frontier Insurance
3637 S 24th St – Omaha, NE 68108 – (402) 731-2505 – View Map
- Accredited Insurance Group, Inc.
11347 Davenport St – Omaha, NE 68154 – (402) 334-1780 – View Map
- Davis Companies
1313 Cuming St #200 – Omaha, NE 68102 – (402) 399-9090 – View Map
Agents that choose to be exclusive are contracted to one company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to compare other company’s rates so they have no alternatives for high prices. Exclusive agencies are trained well on their products and sales techniques and that enables them to sell even at higher rates. Some insured continue to use the same exclusive agent partially due to the prominent brand name instead of buying on price only.
Shown below are Omaha exclusive agents willing to provide rate quotes.
- Janice Peterson – State Farm Insurance Agent
9785 Q St Ste #4 – Omaha, NE 68127 – (402) 593-1899 – View Map
- Aaron Stockton – State Farm Insurance Agent
1411 N 72nd St – Omaha, NE 68114 – (402) 551-3455 – View Map
- State Farm: Kyle Emsick
1018 Dodge St #2 – Omaha, NE 68102 – (402) 558-5060 – View Map
Deciding on an car insurance agent shouldn’t rely on just the quoted price. You should also get answers to these questions.
- Where would glass claims be handled in Omaha?
- Will their companies depreciate repairs to your car based on the mileage?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Will they make sure you get an adequate claim settlement?
- Which company do they place the most coverage with?
- How many years of experience in personal auto insurance do they have?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Is vehicle damage repaired with OEM or aftermarket parts?
One last thing about your coverage
Consumers who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, delays in responding to claim requests, high rates after DUI convictions and even questionable increases in premium. No matter why you want to switch, finding a new insurance company is less work than it seems.
As you restructure your insurance plan, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, an insured dropped physical damage coverage only to discover later that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at the best possible price, but don’t skip important coverages to save money.
Cheap Chrysler Town and Country insurance in Omaha is possible from both online companies as well as from independent agents in Omaha, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide internet price quotes and usually these regional carriers prefer to sell through independent agencies.
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- How Much is Omaha Car Insurance for Teenagers? (FAQ)
- Who Has the Cheapest Auto Insurance for a Chevrolet Equinox in Omaha? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Teenage Females in Omaha? (FAQ)
- How Much is Omaha Auto Insurance for Active Military? (FAQ)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- State Car Insurance Guides (GEICO)