How to Compare Omaha Ford GT Insurance

Astonishing but true, the vast majority of drivers kept their coverage with the same car insurance company for more than four years, and approximately 38% of consumers have never compared rates from other carriers. Drivers in Omaha can save hundreds of dollars each year by just comparing rate quotes, but they don’t know the big savings they would realize if they switched to a more affordable policy.

Insurance rates Ford GT in OmahaTo save the most money, the best way to get discount auto insurance rates is to compare prices annually from providers in Omaha. You can compare prices by completing these steps.

One key aspect when comparing rates is to compare similar coverage information on every quote and and to get rate quotes from as many auto insurance providers as possible. Doing this provides an apples-to-apples comparison and a complete selection of prices.

Determine discounts on Omaha auto insurance

Auto insurance can be pricey, but you might find some hidden discounts that may help make it more affordable. A few discounts will automatically apply at quote time, but some must be specifically requested prior to receiving the credit. If you do not double check each discount you deserve, you are just wasting money.

Just know that most discount credits are not given to the whole policy. Some only apply to individual premiums such as liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, you aren’t that lucky.

A few of the larger companies and their possible discounts are included below.

Before buying, ask each company what discounts are available to you. Some discounts listed above might not be offered on policies in your state. To locate auto insurance companies that provide some of the discounts listed above in Nebraska, follow this link.

The following companies are our best choices to provide price comparisons in Nebraska. In order to find the best car insurance in Omaha, we suggest you click on several of them to get the best price comparison.

Why Your Insurance Costs might be higher

It’s important that you understand the rating factors that help calculate the rates you pay for insurance. When you understand what determines premiums, this enables informed choices that can earn you lower rates.

With age comes lower prices – Young drivers in Nebraska are statistically proven to be inattentive behind the wheel therefore insurance rates are much higher. Mature drivers tend to be more responsible, tend to file fewer claims, and usually have better credit.

High credit scores equal low premiums – Credit history can be a huge factor in determining premium rates. So if your credit leaves room for improvement, you may save money insuring your Ford GT by spending a little time repairing your credit. People with high credit scores tend to file fewer claims than drivers who have worse credit.

Save money with theft deterrents – Driving a car that has an advanced theft prevention system can help bring down rates. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent car theft.

Always have insurance – Driving with no insurance can get your license suspended and insurance companies will penalize you for letting your insurance lapse. And not only will your rates increase, not being able to provide proof of insurance might get you fines or a revoked license.

Five star IIHS safety rating saves money – Vehicles that have high safety ratings get lower rates. Safer cars reduce injuries and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders. If the Ford GT has at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

File policy claims and pay more – If you’re an insured who likes to file claims don’t be surprised to see much higher rates or policy non-renewal. Car insurance companies in Nebraska award the best rates to policyholders who do not rely on their insurance for small claims. Auto insurance is intended for more catastrophic claims.

More policies can equal more savings – The majority of insurance companies provide discounts to customers that have more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, you still need to check prices from other companies to confirm you are receiving the best rates possible.

Men drivers tend to cost more – Statistics have proven that females take fewer risks when driving. The data does not necessarily mean that males are worse at driving than females. Males and females tend to get into auto accidents in similar numbers, but males cause more damage and cost insurance companies more money. Not only are claims higher, but men get more serious tickets like driving under the influence (DUI). Male teenagers are the most expensive to insure and therefore pay the highest rates.

When in doubt talk to an agent

When it comes to your policy, there isn’t really a one size fits all plan. Each situation is unique and your insurance should unique, too. For example, these questions can aid in determining whether you would benefit from professional advice.

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Local Omaha auto insurance agents

Many drivers just want to sit down with an agent and often times that is recommended Agents can help you choose the best coverages and help submit paperwork. The biggest benefit of getting online price quotes is you can get cheap rate quotes and still have an agent to talk to.

Find insurance agent in OmahaTo find an agent, once you fill out this simple form, your information is sent to local insurance agents who will return price quotes and help you find cheaper coverage. You won’t need to search for an agent since rate quotes are delivered to you. If you want to compare prices from a specific insurance provider, you would need to search and find their rate quote page and submit a quote form there.

Finding the right insurer needs to be determined by more than just the premium amount. A good agent in Omaha will have answers to these questions.

Is an exclusive or independent auto insurance agent right for you?

If you are wanting to find a local agent, you must know there are a couple types of agencies from which to choose. Insurance agencies may be either independent or exclusive. Both types of agents can insure your vehicles properly, but it is important to understand the difference in how they write coverage since it could factor into your selection of an agent.

Exclusive Insurance Agents

These type of agents are contracted to one company like Allstate, State Farm and Farm Bureau. They usually cannot compare other company’s rates so you need to shop around if the rates are high. These agents are trained well on their company’s products which helps them sell on service rather than price.

Below are Omaha exclusive agencies who may provide you with rate quotes.

11204 Davenport St #200Omaha, NE 68154(402) 393-0300View Map

4915 N 120th St Ste 107Omaha, NE 68164(402) 493-1000View Map

11717 Burt St #105Omaha, NE 68154(402) 491-0111View Map

More Omaha agents

Independent Agents

Agents in the independent channel often have affiliation with several companies and that allows them to write policies amongst many companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to switch agencies. If you are comparing insurance prices, you will want to get quotes from a couple of independent agencies so that you can do a thorough price comparison.

Listed below are independent insurance agents in Omaha willing to provide price quote information.

3637 S 24th StOmaha, NE 68108(402) 731-2505View Map

2816 N 24th StOmaha, NE 68110(402) 779-8999View Map

10822 Old Mill Rd #2Omaha, NE 68154(402) 397-2500View Map

More Omaha agents

Three reasons to insure your vehicle

Even though it can be expensive, buying car insurance is required in Nebraska but also provides important benefits.

The benefits of buying enough insurance outweigh the cost, especially with large liability claims. But the average American driver is currently overpaying as much as $869 every year so we recommend shopping around at least once a year to be sure current rates are still competitive.

Omaha car insurance companies

Buying coverage from the best car insurance provider can be challenging considering how many companies sell coverage in Omaha. The ranking information shown next could help you decide which car insurance companies to look at comparing rates from.

Top 10 Omaha Car Insurance Companies Ranked by Customer Service

  1. Mercury Insurance
  2. Nationwide
  3. State Farm
  4. Safeco Insurance
  5. American Family
  6. Titan Insurance
  7. Travelers
  8. Liberty Mutual
  9. GEICO
  10. Allstate

Top 10 Omaha Car Insurance Companies Overall

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Be persistent to save money

Low-cost Ford GT insurance in Omaha can be sourced both online as well as from independent agents in Omaha, and you should compare price quotes from both to have the best selection. Some insurance providers may not offer the ability to get a quote online and usually these smaller companies sell through independent agents.

When you buy Omaha car insurance online, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where someone sacrificed liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

Additional insurance information is located on the following sites: