Really, the only way to find low-cost auto insurance rates in Omaha is to start comparing rates regularly from insurance carriers who provide auto insurance in Nebraska. This can be done by completing these steps.
- First, learn about how auto insurance works and the things you can change to prevent expensive coverage. Many factors that result in higher prices such as traffic tickets, fender benders, and an unfavorable credit rating can be remedied by making minor driving habit or lifestyle changes.
- Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like GEICO or State Farm, while independent agents can give you price quotes for many different companies. View a list of agents
- Third, compare the new rate quotes to your current policy and determine if cheaper Enclave coverage is available. If you can save some money and change companies, ensure there is no coverage lapse between policies.
- Fourth, give notification to your agent or company to cancel your current car insurance policy. Submit payment and a completed application to your new carrier. Once received, place the new proof of insurance certificate along with your vehicle registration.
A crucial key to this process is to make sure you’re comparing the same level of coverage on each price quote and and to get price quotes from all possible companies. Doing this enables a fair price comparison and a complete rate analysis.
Astonishing but true according to a recent study, a large majority of drivers have purchased from the same company for at least four years, and 38% of customers have never quoted rates to find cheap coverage. With the average auto insurance premium being $1,400, Nebraska drivers could save roughly 30% every year by just comparing rate quotes, but they think it’s difficult to compare rates online.
If you are insured now, you should be able to save money using this information. Finding more affordable auto insurance policy in Omaha is quite easy. Although Nebraska car owners must learn how insurance companies sell insurance online because rates are impacted by many factors.
Lower-cost Omaha car insurance rates with discounts
Companies don’t always list all available discounts very well, so the following list contains both the well known and also the lesser-known credits that you can use to lower your rates.
- Accident Free – Good drivers with no accidents can save substantially in comparison with policyholders that have many claims.
- First Accident Forgiveness – This isn’t a discount exactly, but certain companies permit an accident before hitting you with a surcharge if you have no claims for a particular time prior to the accident.
- Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.
- Discount for Low Mileage – Driving less may enable drivers to earn lower prices due to less chance of an accident.
- Bundle and Save – If you insure your home and vehicles with the same insurance company they may give you a discount of as much as 10 to 15 percent.
- Homeowners Savings – Owning your own home or condo can get you a discount because owning a home requires a higher level of personal finance.
- Early Payment Discounts – By paying your entire bill at once instead of making monthly payments you can actually save on your bill.
- Driver Education Discount – Require your teen driver to successfully complete driver’s ed class in high school.
- Discounts for Government Workers – Simply working for the federal government can save as much as 8% but check with your company.
You can save money using discounts, but most discounts do not apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, companies don’t profit that way.
The example below illustrates the comparison of Buick Enclave insurance prices with and without discounts applied to the rates. The data is based on a male driver, no driving violations, no at-fault accidents, Nebraska state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, claim-free, multi-car, and homeowner discounts applied.
Companies that may offer quotes with most of the discounts above possibly include:
Before buying, ask each insurance company which credits you are entitled to. Some discounts listed above may not apply to policyholders in Omaha. For a list of insurance companies that offer some of these discounts in Nebraska, click here to view.
Affordable Omaha Buick Enclave insurance quotes online
Most of the larger companies such as Allstate and Progressive provide coverage prices from their websites. The process is fairly straightforward because it’s just a matter of typing in the coverages you want on the page. After you complete the form, their rating system will order your credit score and driving record and returns a price quote determined by many factors.
Getting online rates for Buick Enclave insurance in Omaha helps simplify price comparisons, and it is important to perform this step if you want to get the best car insurance rates.
To quickly get comparison pricing now, take a look at the companies shown below. If you have your current policy handy, we recommend that you enter the limits and deductibles identical to your current policy. This guarantees you will have a fair comparison for similar coverage.
The car insurance companies shown below are our best choices to provide price comparisons in Omaha, NE. If you wish to find cheap car insurance in Omaha, NE, we recommend you compare several of them in order to get a fair rate comparison.
Insurance statistics for a Buick Enclave
The table displayed next showcases estimates of insurance prices for Buick Enclave models. Learning how policy rates are figured can aid in making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $298 | $460 | $392 | $24 | $118 | $1,292 | $108 |
| Enclave CX AWD | $298 | $460 | $392 | $24 | $118 | $1,292 | $108 |
| Enclave XL 2WD | $298 | $460 | $392 | $24 | $118 | $1,292 | $108 |
| Enclave XL AWD | $332 | $460 | $392 | $24 | $118 | $1,326 | $111 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium amounts do not factor in specific zip code location which can modify prices noticeably.
Should you raise deductibles?
When buying insurance, a common question is how high should the physical damage coverage deductibles be. The data tables below can help you visualize the differences in premium rates when you select higher and lower physical damage coverage deductibles. The first set of prices uses a $100 deductible for comp and collision and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Enclave CX AWD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Enclave XL 2WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Enclave XL AWD | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Enclave CX AWD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Enclave XL 2WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Enclave XL AWD | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Prices do not factor in specific zip code location which can raise or lower premiums considerably.
Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $23 more each month or $276 annually across all Buick Enclave models than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 17 months between claim filings, you would probably be better off if you decide on a higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $100 deductibles: | $107 |
| Average monthly premium for $500 deductibles (subtract): | – $84 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One thing to be aware of is that raising deductibles means you will have to pay more when you have a comprehensive or collision claim. You need to make sure you have enough extra savings in the event you need to pay more to get your vehicle repaired.
The diagram below shows how choosing a deductible and can impact Buick Enclave insurance costs for different age groups of insureds. The prices are based on a married female driver, comp and collision included, and no discounts are taken into consideration.
What is the best insurance coverage?
When quoting and comparing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Each situation is unique so this has to be addressed.
For example, these questions could help you determine whether your personal situation could use an agent’s help.
- Should I have a commercial auto policy?
- What are the best liability limits?
- How many claims can I have before being canceled?
- How do I file an SR-22 for a DUI in Nebraska?
- What is medical payments coverage?
- Should I rate my vehicle as business use?
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.
When to contact an insurance agency
Many drivers would rather talk to an insurance agent and there is nothing wrong with that. One of the best bonuses of price shopping on the web is that you can find the best rates and still choose a local agent. Buying from and supporting small agencies is still important in Omaha.
After filling out this short form, your insurance coverage information is transmitted to agents in your area who will return price quotes and help you find cheaper coverage. There is no need to find an agent on your own since rate quotes are delivered immediately to you. You’ll get the best rates and an insurance agent to talk to. If you have a need to compare rates from a specific company, you can always go to their quote page and fill out the quote form the provide.
When searching for a reputable insurance agent or broker, you must know there are a couple types of agencies and how they work. Auto insurance agencies are either exclusive or independent.
Independent Auto Insurance Agencies or Brokers
Agents in the independent channel often have many company appointments and that is an advantage because they can write policies with many different companies and find you the best rates. If premiums increase, they simply switch companies in-house which requires no work on your part. If you are comparing auto insurance prices, you absolutely need to check rates from a few independent agents for maximum quote selection. Many independent agencies also insure through additional companies that you may not be familiar with that can offer cheaper rates than bigger companies.
Below are independent agents in Omaha who may provide competitive price quotes.
- United Insurance Agencies and Affordable Auto Insurance
1055 N 115th St #208 – Omaha, NE 68154 – (402) 492-8020 – View Map - Nia Insurance Agency Inc
2816 N 24th St – Omaha, NE 68110 – (402) 779-8999 – View Map - Auto Insurance Mart
1913 Military Ave – Omaha, NE 68111 – (402) 553-0700 – View Map
Exclusive Agencies
These agents normally can only provide a single company’s rates like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to compare other company’s rates so always compare other rates. Exclusive insurance agents are well schooled on the products they sell which helps them sell insurance even at higher premiums. Consumers frequently purchase coverage from exclusives primarily because of the prominent brand name and the convenience of having all coverages with one company.
Listed below is a list of exclusive agents in Omaha that can give you comparison quotes.
- American Family Insurance – S De Los Reyes Agency Inc.
5052 S 108th St – Omaha, NE 68137 – (402) 339-9052 – View Map - Jackie Pletan – State Farm Insurance Agent
8333 Cass St – Omaha, NE 68114 – (402) 391-2673 – View Map - State Farm® insurance – Cort Bonner
3125 N 120th St – Omaha, NE 68164 – (402) 934-4141 – View Map
Deciding on an car insurance agent requires you to look at more than just a cheap quote. The following questions are important to ask.
- Are they paid to recommend certain coverages?
- Is working in the agency their full-time job?
- Are they able to influence company decisions when a claim is filed?
- How often do they review policy coverages?
- Does the company allow you to choose your own collision repair facility?
- Does the company have a solid financial rating?
- Does the agency have a positive business rating?
Cheaper insurance premiums are possible
When searching for the cheapest Buick Enclave rate quotes, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped uninsured motorist or liability limits and learned later they didn’t have enough coverage. The ultimate goal is to get the best coverage possible for the lowest price while not skimping on critical coverages.
We just showed you many ideas to lower your Buick Enclave insurance rates in Omaha. The key thing to remember is the more you quote Omaha car insurance, the better likelihood of getting cheaper Omaha car insurance quotes. You may even be surprised to find that the best rates are with a small mutual company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.
Additional detailed information is available in the articles below:
- Side Impact Crash Tests (iihs.org)
- Who Has Affordable Auto Insurance Quotes for Drivers with a DUI in Omaha? (FAQ)
- How Much are Omaha Car Insurance Rates for Uninsured Drivers? (FAQ)
- How Much are Auto Insurance Quotes for a Toyota RAV4 in Omaha? (FAQ)
- Who Has the Cheapest Car Insurance for Homeowners in Omaha? (FAQ)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Anti-Lock Brake FAQ (iihs.org)