It goes without saying that insurance companies don’t want their policyholders to compare prices. Drivers who shop around will probably move their business because they stand a good chance of finding a more affordable policy. A recent insurance study revealed that drivers who routinely compared quotes saved over $850 each year compared to policyholders who never compared rates.
If finding discount rates on insurance is why you’re reading this, then having a grasp of how to get price quotes and compare insurance coverage can help make the process easier.
If saving money is your primary concern, then the best way to save money on Ford Fusion Hybrid insurance is to compare prices annually from insurers that sell auto insurance in Omaha. Price quotes can be compared by following these steps.
- Step 1: Try to learn a little about how companies price auto insurance and the modifications you can make to prevent rate increases. Many policy risk factors that cause rate increases such as your driving record and an imperfect credit history can be rectified by making minor driving habit or lifestyle changes. This article gives instructions to get affordable coverage and find missing discounts.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from a single company like Progressive and State Farm, while independent agents can quote prices for a wide range of companies.
- Step 3: Compare the new rates to your current policy and determine if there is any savings. If you find a better price and buy the policy, make sure there is no coverage gap between policies.
- Step 4: Notify your agent or company to cancel your current auto insurance policy and submit a down payment and signed policy application to the new company. When you receive it, place the new certificate verifying proof of insurance along with the vehicle’s registration papers.
The key thing to remember is to try to compare the same liability limits and deductibles on each quote request and and to get rate quotes from as many different insurance providers as possible. Doing this ensures an apples-to-apples comparison and a complete rate analysis.
How to get free Ford Fusion Hybrid insurance quotes online
Most larger insurance companies like GEICO, State Farm and Progressive provide coverage prices online. Obtaining pricing for Ford Fusion Hybrid insurance in Omaha is very simple as you simply enter your required coverages into the form. When the form is submitted, their system obtains information on your driving record and credit history and generates a price.
Getting online rates for Ford Fusion Hybrid insurance in Omaha makes comparing rates easy, and it’s very important to compare as many rates as possible if you are searching for the cheapest car insurance rates.
To quickly compare rates now, compare rate quotes from the providers shown below. If you have coverage now, it’s recommended you replicate the coverage information exactly as they are listed on your policy. This makes sure you will have a rate comparison for similar coverage.
The following companies can provide quotes in Nebraska. If you want to find cheaper auto insurance in Omaha, we recommend you click on several of them to get the most affordable price.
Determine discounts to get cheap Omaha insurance rates
Insurance is neither fun to buy or cheap, but you may qualify for discounts that may help make it more affordable. Certain credits will be shown at the time you complete a quote, but some may not be applied and must be specially asked for before they will apply.
- Discounts for Government Workers – Simply working for the federal government can save as much as 8% with select insurance companies.
- No Accidents – Drivers with accident-free driving histories can earn big discounts in comparison with policyholders that have many claims.
- Theft Deterrent Discount – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
- Defensive Driver – Participating in a defensive driving course is a good idea and can lower rates and also improve your driving technique.
- Senior Citizen Discount – If you qualify as a senior citizen, you could receive lower premium rates.
- New Car Discount – Buying a new car instead of a used Fusion Hybrid is cheaper since new vehicles are generally safer.
- Distant College Student Discount – Any of your kids who are attending college and do not have access to a covered vehicle may qualify for this discount.
Don’t be surprised that most credits do not apply to the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will positively reduce the premium cost.
The information below compares Ford Fusion Hybrid insurance premiums with and without discounts applied to the policy rates. Data assumes a female driver, no violations or accidents, 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 safe-driver, multi-policy, claim-free, homeowner, multi-car, and marriage discounts applied.
For a list of providers with significant discounts in Nebraska, click this link.
Rates and detailed analysis
The price information below outlines different insurance policy prices for Ford Fusion Hybrid models. Having knowledge of how prices are determined is important for making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $298 | $530 | $490 | $30 | $146 | $1,494 | $125 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Information does not factor in specific location information which can raise or lower prices noticeably.
Physical damage deductibles
When comparing car insurance rates, the most common question is which comprehensive and collision deductibles to buy. The following insurance rates summarize the premium difference when you choose different physical damage coverage deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $292 | $632 | $374 | $22 | $112 | $1,457 | $121 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $162 | $334 | $374 | $22 | $112 | $1,004 | $84 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Prices do not factor in Omaha location which can lower or raise prices considerably.
We can estimate from the data above that using a $100 deductible would cost the average driver about $37 more each month or $444 a year across all Ford Fusion Hybrid models than buying the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 24 months between claims, you would more than likely save some money if you decide on a higher deductible.
Careless driving habits raise car insurance rates
The diagram below demonstrates how citations and at-fault accidents can impact Ford Fusion Hybrid insurance rates for each age group. The rate quotes are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
How much more does full coverage cost?
The chart below compares Ford Fusion Hybrid insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Nebraska. The prices are based on no violations or accidents, $250 deductibles, marital status is single, and no discounts are factored in.
When to drop comp and collision
There is no clear-cut rule to stop buying full coverage, but there is a general convention. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Ford Fusion Hybrid claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $4,000 after the deductible is paid. If it’s costing in excess of $400 a year for your policy with full coverage, then it might be time to buy liability only.
There are some scenarios where buying only liability insurance is not in your best interest. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage in place.
Get Lower-cost Insurance Prices by Understanding These Factors
Many things are considered when you quote your car insurance policy. Some are pretty understandable such as your driving record, but other factors are not as apparent like your vehicle usage or how financially stable you are. A large part of saving on insurance is knowing a few of the rating criteria that go into determining insurance rates. When you know what positively or negatively determines base rates, this allows you to make educated decisions that could result in big savings.
-
Older drivers pay less – Young drivers in Nebraska are statistically shown to be inattentive and easily distracted with other occupants in the car and because of this, their insurance rates are much higher. Having to add a youthful driver to your insurance policy can cause a big jump in price. Older insureds are proven to be safer behind the wheel, file fewer claims, and usually have better credit.
The data below uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.
- Big cities mean more claims – Residing in less populated areas is a good thing when shopping for auto insurance. Urban drivers regularly have more aggressive driving styles and longer commutes to work. Less people living in that area means fewer accidents in addition to lower liability claims.
- Alarms and GPS tracking lower premiums – Selecting a car model that has a built-in theft deterrent system can get you a discount on your insurance. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
- Cars with good safety ratings lower insurance rates – Safer cars can get you lower premiums. Safer cars reduce the chance of injuries and fewer serious injuries means your insurance company pays less passed on to you as lower rates.
-
Insurance loss data for Ford Fusion Hybrid vehicles – Insurers study historical loss data to help calculate a profitable premium rate. Vehicles that tend to have higher frequency or amount of claims will have increased rates. The next table illustrates the loss history for Ford Fusion Hybrid vehicles.
For each coverage category, the claim probability for all vehicles compiled together is equal to 100. Values below 100 suggest losses that are better than average, while percentages above 100 point to more claims or tendency to have higher losses.
Auto Insurance Loss Data for Ford Fusion Hybrid Models Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Ford Fusion Hybrid 125 97 98 92 93 95 BETTERAVERAGEWORSEData Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Buying car insurance from Omaha insurance agencies
A small number of people still prefer to sit down and talk to an agent and often times that is recommended Professional insurance agents are very good at helping people manage risk and help in the event of a claim. One of the benefits of comparing rate quotes online is that you can find cheap car insurance quotes and still choose a local agent.
By using this short form, your coverage information is emailed to companies in Omaha who will gladly provide quotes for your coverage. There is no need to contact any agents because quoted prices will be sent straight to your inbox. If for some reason you want to quote rates from a specific insurance company, don’t hesitate to search and find their rate quote page and give them your coverage information.
Picking an insurance company requires more thought than just the quoted price. Get answers to these questions too.
- Are they able to provide referrals?
- Are there any extra charges for paying monthly?
- Is there a 24/7 contact number?
- Did they already check your driving record and credit reports?
- How often do they review policy coverages?
- Is coverage determined by price?
If you want to use a local insurance agency, you should know the different types of agents and how they function. Car insurance agencies are classified as either exclusive or independent. Both types of agents can sell affordable car insurance policies, but it’s a good idea to understand the subtle differences since it can affect the type of agent you choose.
Exclusive Insurance Agencies
These type of agents can only place business with one company and examples are AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot compare rates from other companies so you need to shop around if the rates are high. These agents are usually quite knowledgeable on sales techniques and that can be a competitive advantage. A lot of people use the same agent mostly because of the brand name and strong financial ratings.
Below are Omaha exclusive insurance agents who may provide you with rate quotes.
- American Family Insurance – S De Los Reyes Agency Inc.
5052 S 108th St – Omaha, NE 68137 – (402) 339-9052 – View Map - Tommy Hughes Jr – State Farm Insurance Agent
1321 Jones St #104 – Omaha, NE 68102 – (402) 346-1011 – View Map - American Family Insurance – T. C. Johnson Agency Inc.
155 N 72nd St – Omaha, NE 68114 – (402) 561-8633 – View Map
Independent Agencies or Brokers
These type of agents often have affiliation with several companies and that allows them to write policies with many different companies and help determine which has the cheapest rates. If your premiums go up, the business is moved internally and you don’t have to switch agencies.
If you are trying to find cheaper rates, you need to include rate quotes from at a minimum one independent agency to get the most accurate price comparison. Most can insure with small regional insurance companies which could offer lower prices.
Below are Omaha independent insurance agents who can help you get comparison quotes.
- Auto Insurance Mart
1913 Military Ave – Omaha, NE 68111 – (402) 553-0700 – View Map - New Frontier Insurance
3637 S 24th St – Omaha, NE 68108 – (402) 731-2505 – View Map - Southwell Insurance Agency, LLC.
2809 S 160th St #307 – Omaha, NE 68130 – (402) 493-6940 – View Map
If you feel you receive positive responses to these questions as well as offering an affordable quote, you may have just found an insurance agent that can insure your vehicles.
Auto insurance company ratings
Buying coverage from the right insurer can be challenging considering how many different companies sell coverage in Omaha. The ranking data in the next section can help you choose which companies to look at when comparing rates.
Top 10 Omaha Car Insurance Companies Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- GEICO
- Safeco Insurance
- Mercury Insurance
- Esurance
Top 10 Omaha Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
- Progressive – 87%
Cheap insurance rates are possible
Drivers who switch companies do it for many reasons like high rates after DUI convictions, unfair underwriting practices, poor customer service or lack of trust in their agent. It doesn’t matter why you want to switch choosing a new insurance company is not as hard as you think.
As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. There are too many instances where an insured dropped collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at the best price.
A few companies do not offer rate quotes online and usually these small, regional companies only sell through local independent agencies. Lower-priced Ford Fusion Hybrid insurance in Omaha is available online and also from your neighborhood Omaha agents, and you need to price shop both to have the best chance of lowering rates.
Additional insurance information can be found below:
- Liability Insurance Coverage (Nationwide)
- How Much are Auto Insurance Rates for Drivers with Accidents in Omaha? (FAQ)
- How Much is Auto Insurance for a GMC Sierra in Omaha? (FAQ)
- Who Has the Cheapest Omaha Car Insurance Rates for Electric Cars? (FAQ)
- Frontal Crash Tests (iihs.org)
- A Tree Fell on Your Car: Now What? (Allstate)
- What is Covered by GAP Insurance? (Allstate)
- Think You’re a Safe Driver? (State Farm)