It’s a fact that insurance companies want to keep your business as long as possible. People who shop for lower prices are inclined to switch insurance companies because they stand a good chance of finding a policy with better rates. A study discovered that drivers who compared rates regularly saved about $3,500 over four years compared to people who never shopped for cheaper rates.
If finding the best rates on insurance in Omaha is your intention, then understanding how to choose a company and compare insurance can help you be more efficient.
Truthfully, the best way to save money on auto insurance rates in Omaha is to do a yearly price comparison from providers that sell auto insurance in Nebraska.
- Step 1: Try to learn about how insurance works and the steps you can take to prevent rate increases. Many things that cause rate increases such as at-fault accidents and an unacceptable credit history can be eliminated by being financially responsible and driving safely.
- Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or Allstate, while agents who are independent can quote prices for many different companies.
- Step 3: Compare the new rate quotes to your current policy premium to see if cheaper A6 coverage is available. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Give proper notification to your current agent or company of your intention to cancel your current car insurance policy. Submit a down payment and signed policy application to your new agent or company. Immediately safely store the proof of insurance paperwork in an easily accessible location in your vehicle.
One thing to remember is that you use similar coverage information on each quote and and to get quotes from as many car insurance companies as possible. Doing this helps ensure an apples-to-apples comparison and the best price quote selection.
If you already have coverage, you stand a good chance to be able to get lower rates using these tips. Quoting and comparing rates for cheaper protection in Omaha is not as hard as you may think. Nevertheless, Nebraska car owners need to have an understanding of how companies calculate their prices and use this information to your advantage.
Cheaper Audi A6 insurance in Omaha
Insuring your vehicles can cost a lot, but there may be some discounts that may help make it more affordable. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be requested specifically prior to getting the savings.
- Drivers Ed for Students – It’s a good idea to have your young drivers take driver’s ed class in school.
- Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
- Accident Free – Drivers with accident-free driving histories can earn big discounts when compared to accident-prone drivers.
- Theft Prevention Discount – Vehicles that have factory anti-theft systems help deter theft and will save you 10% or more on A6 insurance in Omaha.
- Federal Employees – Active or retired federal employment may reduce rates when you quote Omaha car insurance with a few auto insurance companies.
- Data Collection Discounts – Policyholders that allow driving data collection to monitor where and when they drive through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may see discounts if their driving habits are good.
Please keep in mind that most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, nobody gets a free ride.
The chart below visualizes the comparison of Audi A6 annual premium costs with and without discounts being applied to the rates. The data assumes a female driver, no accidents or driving violations, Nebraska state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, multi-policy, safe-driver, and multi-car discounts applied.
A list of companies and some of their more popular discounts are detailed below.
- Farm Bureau offers discounts for good student, multi-vehicle, 55 and retired, youthful driver, multi-policy, driver training, and renewal discount.
- State Farm has savings for defensive driving training, student away at school, good student, driver’s education, and passive restraint.
- Progressive includes discounts for multi-vehicle, online quote discount, multi-policy, homeowner, continuous coverage, and good student.
- Allstate has discounts for good student, farm vehicle, senior citizen, early signing, good payer, and multi-policy.
- Nationwide may have discounts that include anti-theft, business or organization, accident-free, Farm Bureau membership, easy pay, and multi-policy.
- MetLife may offer discounts for defensive driver, multi-policy, good driver, accident-free, good student, and claim-free.
It’s a good idea to ask all the companies which credits you are entitled to. Some credits may not apply to policyholders in Omaha. To see insurance companies who offer discounts in Omaha, follow this link.
To find cheap rates, there are a couple of ways to get quotes from many available car insurance companies in Nebraska. One of the best ways to lower the rate you pay for Audi A6 insurance is to jump online and get quotes. It’s important to know that comparing more prices helps you find more affordable insurance.
The car insurance companies shown below can provide free rate quotes in Omaha, NE. If you want to find the best cheap car insurance in Omaha, NE, we suggest you visit two to three different companies to get the most competitive price.
Rates and data analysis
The premium table shown next outlines detailed analysis of insurance rates for Audi A6 models. Learning more about how insurance quotes are determined can help you make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $356 | $736 | $404 | $24 | $122 | $1,642 | $137 |
| A6 3.2 Premium Plus 4-Dr Sedan | $356 | $736 | $404 | $24 | $122 | $1,642 | $137 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $356 | $736 | $404 | $24 | $122 | $1,642 | $137 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $356 | $736 | $404 | $24 | $122 | $1,642 | $137 |
| A6 3.0 Quattro Premium Station Wagon | $356 | $736 | $344 | $20 | $102 | $1,558 | $130 |
| A6 3.0 Quattro Premium Plus Station Wagon | $356 | $736 | $344 | $20 | $102 | $1,558 | $130 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $356 | $736 | $404 | $24 | $122 | $1,642 | $137 |
| A6 3.0 Quattro Prestige Station Wagon | $356 | $736 | $344 | $20 | $102 | $1,558 | $130 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $390 | $822 | $404 | $24 | $122 | $1,762 | $147 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Table data does not factor in garaging location in Omaha which can raise or lower premiums greatly.
Physical damage deductibles: Should you raise them?
One of the hardest decisions when shopping for insurance is which deductible level should you buy. The rates shown below may help you to understand how much more rates are when you buy lower versus higher physical damage coverage deductibles. The first rate table uses a $250 deductible for physical damage and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $322 | $600 | $300 | $18 | $90 | $1,355 | $113 |
| A6 3.2 Premium Plus 4-Dr Sedan | $322 | $600 | $300 | $18 | $90 | $1,355 | $113 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $322 | $600 | $300 | $18 | $90 | $1,355 | $113 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $322 | $600 | $300 | $18 | $90 | $1,355 | $113 |
| A6 3.0 Quattro Premium Station Wagon | $322 | $600 | $254 | $16 | $76 | $1,293 | $108 |
| A6 3.0 Quattro Premium Plus Station Wagon | $322 | $600 | $254 | $16 | $76 | $1,293 | $108 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $322 | $600 | $300 | $18 | $90 | $1,355 | $113 |
| A6 3.0 Quattro Prestige Station Wagon | $322 | $600 | $254 | $16 | $76 | $1,293 | $108 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $350 | $668 | $300 | $18 | $90 | $1,451 | $121 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A6 3.2 Premium 4-Dr Sedan | $262 | $484 | $300 | $18 | $90 | $1,154 | $96 |
| A6 3.2 Premium Plus 4-Dr Sedan | $262 | $484 | $300 | $18 | $90 | $1,154 | $96 |
| A6 3.0 Quattro Premium 4-Dr Sedan | $262 | $484 | $300 | $18 | $90 | $1,154 | $96 |
| A6 3.0 Quattro Premium Plus 4-Dr Sedan | $262 | $484 | $300 | $18 | $90 | $1,154 | $96 |
| A6 3.0 Quattro Premium Station Wagon | $262 | $484 | $254 | $16 | $76 | $1,092 | $91 |
| A6 3.0 Quattro Premium Plus Station Wagon | $262 | $484 | $254 | $16 | $76 | $1,092 | $91 |
| A6 3.0 Quattro Prestige 4-Dr Sedan | $262 | $484 | $300 | $18 | $90 | $1,154 | $96 |
| A6 3.0 Quattro Prestige Station Wagon | $262 | $484 | $254 | $16 | $76 | $1,092 | $91 |
| A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan | $286 | $540 | $300 | $18 | $90 | $1,234 | $103 |
| 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 safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Table data does not factor in specific location information which can influence price quotes significantly.
Based on this data, using a $250 deductible would cost the average driver about $17 more each month or $204 for a full year across all Audi A6 models than buying the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 15 months between claims, you would probably save some money if you decide on a higher deductible. Here’s the way you can perform this determination yourself.
| Average monthly premium for $250 deductibles: | $112 |
| Average monthly premium for $500 deductibles (subtract): | – $95 |
| Monthly savings from raising deductible: | $17 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $17 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
One important caveat is that a higher deductible level results in having to pay to pay more out-of-pocket when you do file a claim. You will want to have some extra funds in the event you have to pay the higher deductible in order to repair your vehicle.
The illustration below illustrates how your deductible choice and can change Audi A6 insurance costs for each age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
Cost comparison with and without full coverage
The illustration below shows the comparison of Audi A6 insurance premiums with full coverage compared to only the Nebraska minimum liability coverage. The costs are based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no other discounts are factored in.
When to drop comprehensive and collision
There isn’t a steadfast formula for dropping comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let’s pretend your Audi A6 replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $4,000 after paying your policy deductible. If you are paying over $400 a year for your policy with full coverage, then you might want to think about dropping full coverage.
There are some conditions where dropping physical damage coverage is not in your best interest. If you haven’t satisfied your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage.
Car insurance is unique, just like you
When buying coverage for your vehicles, there really isn’t a perfect coverage plan. Everyone’s situation is unique.
These are some specific questions can help discover whether your personal situation would benefit from an agent’s advice.
- Do I pay less if my vehicle is kept in my garage?
- What discounts do I qualify for?
- Does my Audi A6 need full coverage?
- Can my teen drive my company car?
- How many claims can I have before being canceled?
- Am I covered if I hit my neighbor’s mailbox?
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.
Compare rate quotes but buy from a neighborhood Omaha auto insurance agent
Certain consumers still prefer to visit with an insurance agent and we recommend doing that The biggest benefit of price shopping on the web is that you can obtain lower rates and still buy from a local agent. Buying from and supporting local agents is especially important in Omaha.
Upon completion of this short form, the quote information is immediately sent to companies in Omaha who will return price quotes for your business. It simplifies rate comparisons since you won’t have to contact any insurance agencies since rate quotes are delivered to you. Get lower rates without a big time investment. If you need to compare rates for a specific company, don’t hesitate to find their quoting web page and complete a quote there.
If you want to buy auto insurance from a reliable insurance agent, it helps to know the two different types of agencies that you can choose from. Agents in Omaha can be described as either exclusive or independent (non-exclusive).
Independent Agencies or Brokers
Independent insurance agents are appointed with more than one company so as a result can place your coverage through lots of different companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally without you having to go to a different agency. If you need cheaper auto insurance rates, we highly recommend that you compare prices from multiple independent agents so that you can do a thorough price comparison. Most can insure with companies you’ve never heard of which can save you money.
Below is a short list of independent agencies in Omaha that can possibly get you comparison quotes.
- Nia Insurance Agency Inc
2816 N 24th St – Omaha, NE 68110 – (402) 779-8999 – View Map - Southwell Insurance Agency, LLC.
2809 S 160th St #307 – Omaha, NE 68130 – (402) 493-6940 – View Map - Encore Insurance Group of Omaha
11929 Elm St Suite 11 – Omaha, NE 68144 – (402) 552-8700 – View Map
Exclusive Auto Insurance Agents
Exclusive agents can only place business with one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to place coverage with different providers so keep that in mind. Exclusive insurance agents are highly trained on sales techniques which aids in selling service over price. A lot of people use the same exclusive agent partially due to the prominent brand name and solid financial strength.
Below are exclusive insurance agencies in Omaha that are able to give price quote information.
- Rudy Partida – State Farm Insurance Agent
639 N 98th St – Omaha, NE 68114 – (402) 333-5104 – View Map - Ryan Hedden – State Farm Insurance Agent
8611 Blondo St – Omaha, NE 68134 – (402) 392-1939 – View Map - Farmers Insurance – Larry Schmitz
2726 S 148th Cir – Omaha, NE 68144 – (402) 895-3663 – View Map
Choosing the best insurance agency requires more thought than just a cheap quote. Any agent in Omaha should be forthright in answering these questions:
- If you raise deductibles, how much can you save?
- Are they in the agency full-time?
- Is the coverage adequate for your vehicle?
- Do they offer claims assistance after hours?
- Are all drivers listed on the coverage quote?
- What companies can they write with?
- Which insurance company do they prefer to write with?
In conclusion
People change insurance companies for any number of reasons including delays in responding to claim requests, poor customer service, not issuing a premium refund and policy cancellation. Regardless of your reason for switching companies, finding a new company can be easy and end up saving you some money.
When you buy Omaha car insurance online, make sure you don’t buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits and learned later that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.
You just learned quite a bit of information on how to save on Audi A6 insurance in Omaha. The most important thing to understand is the more companies you get auto insurance rates for, the higher the chance of saving money. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising.
Other resources
- Side Impact Crash Tests (iihs.org)
- How Much are Omaha Car Insurance Rates for Uninsured Drivers? (FAQ)
- How Much are Auto Insurance Rates for a Subaru Outback in Omaha? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Veterans in Omaha? (FAQ)
- How Much are Omaha Car Insurance Rates for a Ford Explorer? (FAQ)
- Who Has Affordable Auto Insurance for Handicapped Drivers in Omaha? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Low Mileage Drivers in Omaha? (FAQ)
- Top Signs Your Brakes are Giving Out (State Farm)
- Older Driver Statistics (Insurance Information Institute)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Crash Avoidance Technologies FAQ (iihs.org)