You have probably watched the captivating ads from car insurance companies like State Farm and Nationwide that make claims of big savings. So drivers just need to choose any of them, right?
It’s not that easy, however, as there are a whole bunch of unknown aspects such as if you want full coverage, what coverage limits you need, the deductible level you need, and if you have a coverage lapse, that all go into determining the rate you pay. If you keep reading, we will teach you about the different ways to avoid overpaying and will hopefully give the reader a good start to your coverage search.
Determining which company has the lowest-priced car insurance rates for nurses will take a tad more effort than just quoting one company’s rates. Every insurance company uses a different method for setting rates, so let’s look at the rankings for the most competitive car insurance companies in Omaha, NE.
Find Cheaper Auto Insurance for Health Occupations
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $788 |
| 2 | The Hartford | $847 |
| 3 | Allied | $921 |
| 4 | Auto-Owners | $923 |
| 5 | Farm Bureau Mutual | $990 |
| 6 | Farmers Mutual of Nebraska | $1,009 |
| 7 | Nationwide | $1,027 |
| 8 | State Farm | $1,033 |
| 9 | American National | $1,054 |
| 10 | General Casualty | $1,125 |
| 11 | USAA | $1,150 |
| 12 | American Family | $1,258 |
| 13 | MetLife | $1,293 |
| 14 | Iowa Mutual | $1,295 |
| 15 | EMC | $1,300 |
| 16 | California Casualty | $1,309 |
| 17 | GEICO | $1,348 |
| 18 | Progressive | $1,445 |
| 19 | Farmers | $1,602 |
| 20 | North Star | $1,693 |
| Get Personalized Rates Go | ||
Safeco offers some of the cheapest car insurance rates in Omaha at around $788 per year. This is $528 less than the average policy premium paid by Nebraska drivers of $1,316. The Hartford, Allied, Auto-Owners, and Farm Bureau Mutual also are some of the cheapest Omaha, NE car insurance companies.
In this example, if you currently have coverage with Auto-Owners and switched to Safeco, you might achieve a yearly price reduction of approximately $135. Nebraska drivers with Farm Bureau Mutual may save as much as $202 a year, and Farmers Mutual of Nebraska insureds might see rate reductions of $221 a year.
These policy rates are averaged across all types of insureds and vehicles and and are not figured with a specific vehicle garaging location for nurses. So the auto insurance company that can offer you the best price may not even be in the list above. That emphasizes why you need to get quotes using your own personalized driver profile and vehicle information.
The vehicle model you are insuring is one of the largest considerations in finding low-cost insurance for nurses. Vehicles with reasonable performance levels, modern passenger safety features, or a low likelihood of liability claims will cost less to insure than fast, unsafe models. The next list outlines auto insurance prices for a number of the most economical automobiles to buy coverage for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra SE Touring Station Wagon | $1,171 |
| Honda CR-V LX 2WD | $1,183 |
| Ford Escape XLT 2WD | $1,192 |
| Toyota Prius | $1,197 |
| Ford Explorer XLT 2WD | $1,209 |
| Ford Edge Limited 2WD | $1,253 |
| Chevrolet Equinox LT AWD | $1,277 |
| Dodge Grand Caravan Hero | $1,284 |
| Ford F-150 STX Regular Cab 2WD | $1,343 |
| Honda Odyssey LX | $1,351 |
| Toyota Corolla LE | $1,347 |
| Chevrolet Silverado LT Regular Cab 2WD | $1,371 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,373 |
| Compare Rates Now Go | |
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Information does not factor in zip code location which can modify coverage rates considerably.
Based upon the rates shown, you can figure that makes and models like the Hyundai Elantra, Honda CR-V, Ford Escape, Toyota Prius, and Ford Explorer are a few of the more affordable vehicles to insure for health professionals.
Rate comparison of full coverage and liability-only
Reducing premiums for car insurance is probably important to the majority of people, and one of the fastest ways to buy cheaper insurance for nurses is to only pay for liability coverage. The example below shows the comparison of auto insurance costs with and without full coverage. The information is based on no claims or driving citations, $250 deductibles, single status, and no other discounts are factored in.
If the expense is averaged for all age categories, full coverage costs $1,579 per year more than just buying liability only. That raises the question if paying for full coverage is a waste of money. There is no written rule of when to eliminate physical damage insurance, but there is a general guideline. If the yearly cost of comp and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
There are some circumstances where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
Choosing the right insurance company is hard considering how many choices drivers have in Omaha. The information in the next section could help you pick which car insurance companies you want to consider when trying to find cheaper insurance for nurses.
These rankings are for the largest companies in America, so companies that may only write in Nebraska will not be included in these rankings. To view rates from these companies and more, click here.
Top 10 Large Car Insurance Companies Overall in Omaha
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Top 10 Large Car Insurance Companies in Omaha Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- The Hartford – 87%
- Progressive – 87%
- AAA Insurance – 87%
- Farmers Insurance – 87%
- Liberty Mutual – 87%
The agents listed below can provide answers to your questions and help you determine which coverage fits your budget, since some people prefer to have a consultation when comparing insurance rates for health professionals. It can be difficult to find the best rates on your own, and getting advice from a licensed Nebraska insurance agent can provide satisfaction knowing you have adequate coverage if you have an accident or claim. To locate an Omaha insurance agent closest to you, click the button link following the list.
Encore Insurance Group of Omaha
11929 Elm St Suite 11 – Omaha, NE 68144 – (402) 552-8700
State Farm® insurance – Beau Iske
13829 Millard Ave – Omaha, NE 68137 – (402) 895-4424
United Insurance Agencies and Affordable Auto Insurance
1055 N 115th St #208 – Omaha, NE 68154 – (402) 492-8020
American Family Insurance – Daniel Grzywa Agency Inc
8031 W Center Rd Ste 209 – Omaha, NE 68124 – (402) 391-6364
N P Dodge Insurance
8701 W Dodge Rd #100 – Omaha, NE 68114 – (402) 938-5008
More Omaha, NE insurance agents
How to find more affordable insurance for nurses
It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching ideas that can help drivers get lower-cost coverage.
- Staying accident-free helps keep rates low
- Raise deductibles to save money
- Do not pay for full coverage on older vehicles
- Avoid price increases by not filing claims
- Be a cautious driver
- Compare rate quotes often
That final tip is remarkably critical, as we pointed out in the article above. Prices charged by car insurance companies fluctuate considerably, so don’t be afraid to switch to a new company if a better rate can be found.
We understand brand loyalty, but is isn’t recommended if that stubbornness costs you big bucks every year. Spend a few minutes and compare rates to find cheaper insurance for nurses in Omaha.