Find Cheaper Dodge Ram 3500 Insurance in Omaha

How long has it been since you compared quotes for low-cost Dodge Ram 3500 insurance in Omaha? Saving money on Dodge Ram 3500 insurance in Omaha can be challenging for beginners to online price comparisons. People have so many options that it can turn into a lot of work to locate the lowest price in Nebraska.

Unfortunately, nearly 70% of consumers have been with the same company for a minimum of four years, and nearly half have never quoted car insurance rates at all. Nebraska insurance shoppers could save an average of $388 each year, but most tend to underestimate the actual amount they would save if they switched to a cheaper policy.

Finding the cheapest coverage in Omaha is not that difficult. Just about every vehicle owner who is shopping for insurance will find a better price. Although Nebraska consumers must know how insurance companies determine what you pay and apply this information to your search.

When comparing car insurance rates, know that comparing more prices provides better odds of finding the best rates.

The companies in the list below are our best choices to provide price quotes in Omaha, NE. If you want to find cheap car insurance in Nebraska, it’s highly recommended you visit several of them to get the best price comparison.

Verify you’re earning every discount

Some companies do not list their entire list of discounts in a way that’s easy to find, so we took the time to find some of the best known and the more hidden credits that you can use to lower your rates.

• Telematics Data – Omaha drivers who agree to allow their insurance company to study driving manner remotely like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they are good drivers.
• Bundle and Save – When you combine your auto and home insurance with the same insurance company you may save 10% to 20% off each policy.
• Government Employee Discount – Having worked for a branch of the government could provide a small rate reduction but check with your company.
• Claim-Free Discount – Insureds with no claims or accidents have much lower rates compared to policyholders that have many claims.
• Early Signing – A few larger companies give discounts for renewing your policy prior to the expiration date on your current Ram 3500 insurance policy. It’s a savings of about 10%.
• Student in College – Children who are enrolled in a college that is more than 100 miles from Omaha and don’t have a car may qualify for this discount.
• Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
• Anti-lock Brake System – Vehicles with ABS braking systems or traction control are much safer to drive and therefore earn up to a 10% discount.
• Memberships – Joining qualifying clubs or civic groups can get you a small discount on your policy.
• Pay Now and Pay Less – If you can afford to pay the entire bill instead of making monthly payments you could save up to 5%.

Please keep in mind that most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. So even though you would think all those discounts means the company will pay you, companies don’t profit that way.

The diagram below illustrates the comparison of Dodge Ram 3500 insurance costs with and without policy discounts. The data assumes a female driver, no accidents, no driving violations, Nebraska state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, multi-policy, homeowner, and multi-car discounts applied.

Some of the insurance companies who might offer these benefits may include but are not limited to:

• Esurance
• The Hartford
• AAA
• GEICO
• State Farm

It’s a good idea to ask all companies you are considering to apply every possible discount. All car insurance discounts might not be offered on policies in your area.

Dodge Ram 3500 insurance statistics and information

The premium table displayed next showcases different coverage costs for Dodge Ram 3500 models. Knowing how insurance premiums are figured is important for you to make smart buying decisions.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can influence rates greatly.

Deductible analysis

When shopping for auto insurance, a common question is where to set your physical damage deductibles. The following insurance rates summarize the rate fluctuation between low and high deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second price table uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Prices do not factor in specific Omaha garaging location which can increase or decrease premium rates substantially.

We can derive from the above data that using a $250 deductible would cost the average driver about $29 more each month or $348 a year averaged for all Ram 3500 models than selecting the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 26 months between claim filings, you would probably save some money if you opt for a higher deductible.

One important note is that higher deductibles means you will have to pay more out-of-pocket when you have a claim. It will be required that you have enough money in the bank in the event you have to pay the higher deductible.

Difference between full coverage and liability only rates

The information below illustrates the difference between Dodge Ram 3500 insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in Nebraska. Data assumes no accidents, no driving violations, $100 deductibles, drivers are not married, and no discounts are factored in.

When to buy liability coverage only

There is no clear-cut rule to stop buying full coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s say your Dodge Ram 3500 settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after you pay the deductible. If it’s costing in excess of $500 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some circumstances where buying only liability insurance is not financially feasible. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

Auto insurance agents can help

Many drivers just prefer to go talk to an agent and we recommend doing that The biggest benefit of price shopping on the web is that drivers can save money and get cheap rate quotes and still choose a local agent.

By using this simple form, your coverage information gets sent to insurance agents in Omaha who will return price quotes for your insurance coverage. You don’t have to do any legwork because prices are sent instantly to you. You’ll get the best rates without requiring a lot of work. If for some reason you want to compare rates from a specific company, you would need to navigate to their website to submit a rate quote request.

Finding the right company should include more criteria than just the premium amount. Here are some questions you should ask.

• If independent agents, which companies do they recommend?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Do they write coverage based solely on cost?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Are claim adjusters local or do you have to take your car somewhere else?

When looking for a reputable agency, there are a couple of different types of agencies and how they can service your needs differently. Car insurance agencies can be classified as either independent or exclusive depending on the company they work for.

Exclusive Car Insurance Agents

Exclusive insurance agents write business for a single company like Allstate, Farmers Insurance or State Farm. Exclusive agents cannot shop your coverage around so always compare other rates. Exclusive agents are usually well trained on sales techniques which can be an advantage. Consumers often buy from the same agent for years primarily because of the brand rather than having the cheapest rates.

Listed below is a list of exclusive insurance agents in Omaha that are able to give comparison quotes.

• Angie Lintz – State Farm Insurance Agent
  5484 North 90th Street – Omaha, NE 68134 – (402) 991-7366 – View Map
• Sherman Willis – State Farm Insurance Agent
  4915 N 120th St Ste 107 – Omaha, NE 68164 – (402) 493-1000 – View Map
• State Farm® insurance – Cort Bonner
  3125 N 120th St – Omaha, NE 68164 – (402) 934-4141 – View Map

More Omaha agents

Independent Insurance Agents

Agents that choose to be independent can sell policies from many different companies so they can quote policies with multiple insurance companies and get you the best rates possible. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to do anything.

When shopping rates, you absolutely need to compare quotes from multiple independent agents for the best price selection. Many can place coverage with smaller companies which can save you money.

Shown below are independent insurance agencies in Omaha who can help you get rate quotes.

• United Insurance Agencies and Affordable Auto Insurance
  1055 N 115th St #208 – Omaha, NE 68154 – (402) 492-8020 – View Map
• N P Dodge Insurance
  8701 W Dodge Rd #100 – Omaha, NE 68114 – (402) 938-5008 – View Map
• Omaha Insurance Services, Inc.
  11132 O St – Omaha, NE 68137 – (402) 592-4455 – View Map

More Omaha agents

Lower Your Omaha Insurance Rates

It’s important that you understand the factors that come into play when calculating your insurance rates. When you know what positively or negatively influences your rates, this enables you to make decisions that will entitle you to much lower annual insurance costs.

Shown below are some of the items that factor into your rates.

Vehicle risk affects premiums – The performance of the car, truck or SUV you drive makes a substantial difference in determining your rates. The lowest premiums will generally be found on smaller low performance passenger models, but your final cost has many other factors.

The chart below uses these assumptions: single female driver age 20, full coverage with $500 deductibles, and no discounts or violations. It illustrates Dodge Ram 3500 insurance rates compared to other makes and models that have different performance rating factors.

Vehicle features that lower rates – Driving a car with a theft deterrent system can save you some money. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent vehicle theft.

Never allow your insurance to lapse – Allowing your insurance policy to lapse is a fast way to bump up your insurance costs. In addition to paying higher premiums, failure to provide proof of insurance might get you a license revocation or jail time.

Married drivers get cheaper rates – Being married may save some money on insurance. Having a spouse is viewed as being more stable financially and insurance companies like that drivers who are married are more cautious.

Men are more aggressive – Statistics demonstrate that men are more aggressive behind the wheel. The data does not necessarily mean that females are better drivers. Both genders are in at-fault accidents in similar percentages, but men tend to have higher claims. They also have more aggressive citations like DWI (DUI) or reckless driving. Young males are most likely to cause an accident and therefore have the most expensive insurance rates.

The illustration below shows the comparison of Dodge Ram 3500 insurance costs for male and female drivers. The rate quotes are based on no violations or accidents, comp and collision included, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Improve your credit rating and save – Having a bad credit score is a large factor in determining what you pay. Insureds that have excellent credit tend to be better drivers and file fewer claims than drivers who have lower credit scores. If your credit is not that good, you may save money insuring your Dodge Ram 3500 by spending a little time repairing your credit.

Only buy what you need – There are a ton of extra coverages that may not really be needed on your insurance policy. Coverages for rental car reimbursement, towing coverage, and additional equipment coverage are examples of these. These coverages may sound good at first, but if you don’t need them consider taking them off your policy.

Liability is peace of mind – Liability insurance will afford coverage in the event that you are ruled to be at fault for damages from an accident. Your liability coverage provides legal defense coverage which can be incredibly expensive. Liability insurance is pretty cheap compared to other policy coverages, so drivers should carry high limits.

Three reasons car insurance is important

Even though it can be expensive, paying for car insurance may be required and benefits you in several ways.

• Almost all states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability if you want to drive legally. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a loan on your vehicle, almost every bank will make it mandatory that you have comprehensive coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your Dodge at a more expensive rate and require you to pay the higher premium.
• Insurance protects not only your Dodge but also your assets. Insurance will also pay for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance will also pay attorney fees if you are sued as the result of your driving. If your Dodge gets damaged, your car insurance policy will pay to have it repaired.

The benefits of buying enough insurance are definitely more than the cost, especially if you ever need it. But the average American driver overpays as much as $855 a year so you should quote rates at least once a year to make sure the price is not too high.

Nebraska auto insurance company ratings

Picking the top insurance provider is hard considering how many choices drivers have in Omaha. The ranking data shown below could help you select which car insurance companies to look at when comparing rate quotes.

Top 10 Omaha Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Progressive – A+
7. Mercury Insurance – A+
8. The Hartford – A+
9. Nationwide – A+
10. Esurance – A+

Top 10 Omaha Car Insurance Companies Ranked by Value

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

In conclusion

We just showed you many ideas to save on Dodge Ram 3500 insurance in Omaha. The most important thing to understand is the more you quote Omaha car insurance, the better chance you’ll have of finding inexpensive Omaha car insurance quotes. You may even discover the best rates are with some of the smallest insurance companies.

Drivers change insurance companies for a variety of reasons including not issuing a premium refund, lack of trust in their agent, extreme rates for teen drivers or poor customer service. Whatever your reason, finding a great new company can be less work than you think.

More affordable auto insurance in Omaha can be found from both online companies as well as from independent agents in Omaha, so you should compare both to have the best selection. Some companies do not offer online quoting and usually these small insurance companies sell through independent insurance agents.

Steps to finding low-cost Dodge Ram 3500 insurance in Omaha

The best way we recommend to get cheaper Dodge Ram 3500 insurance in Omaha is to begin comparing prices regularly from companies who sell insurance in Nebraska.

Step 1: Spend some time learning about how your policy works and the things you can change to keep rates in check. Many risk factors that are responsible for high rates like getting speeding tickets and a low credit rating can be improved by improving your driving habits or financial responsibility.

Step 2: Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and State Farm, while independent agencies can give you price quotes for a wide range of companies.

Step 3: Compare the price quotes to your current policy premium to see if switching to a new carrier will save money. If you can save some money and decide to switch, make sure there is no coverage gap between policies.

Step 4: Notify your company or agent of your intent to cancel the current policy and submit payment along with a signed and completed policy application for your new coverage. Once the application is submitted, safely store the proof of insurance certificate above your visor, in the console, or in the glove compartment.

The most important part of shopping around is to make sure you enter identical deductibles and limits on each quote and and to get rates from as many different insurance providers as possible. This provides an apples-to-apples comparison and a good representation of prices.

Additional learning opportunities

• What is Covered by GAP Insurance? (Allstate)
• How Much are Auto Insurance Rates for Single Moms in Omaha? (FAQ)
• Auto Insurance Learning Center (State Farm)
• Booster Seat Ratings (iihs.org)
• Understanding Car Crashes Video (iihs.org)