The best way to find cheaper Dodge Dakota insurance in Omaha is to do an annual price comparison from insurers in Nebraska. You can compare prices by completing these steps.
- Step 1: Try to understand policy coverages and the things you can change to keep rates in check. Many risk factors that result in higher rates such as accidents, traffic tickets, and a negative credit history can be eliminated by making minor changes to your lifestyle.
- Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like GEICO or Allstate, while independent agents can provide price quotes for a wide range of companies.
- Step 3: Compare the new rate quotes to your current policy premium to see if you can save by switching companies. If you can save money and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Notify your agent or company of your intention to cancel your current coverage. Submit any necessary down payment along with the completed application for your new coverage. As soon as you have the new policy, place the new proof of insurance paperwork with your vehicle’s registration.
One important bit of advice is to make sure you enter the same amount of coverage on every quote and and to get prices from every insurance company. This guarantees an apples-to-apples comparison and a complete price analysis.
Shocking but true, the majority of drivers renewed their policy with the same company for four years or more, and nearly the majority have never taken the time to shop around. Omaha drivers could cut their rates by $400 a year, but they just don’t understand the large savings they would see if they switched to a more affordable policy.
To find cheaper Omaha car insurance quotes, there are several ways to obtain and compare prices from local Omaha auto insurance companies. The easiest way by far to comparison shop is to use the internet to compare rates.
When comparing auto insurance rates, know that getting more free quotes will improve the odds of getting a lower rate. Some regional insurers cannot provide Omaha Dakota insurance quotes over the internet, so it’s recommended that you also compare quotes from them, too.
The companies shown below provide quotes in Omaha, NE. If multiple companies are listed, we suggest you compare several of them in order to get a fair rate comparison.
Rate information and statistics
The premium table shown below highlights estimates of insurance coverage prices for Dodge Dakota models. Having insight into how auto insurance policy rates are established can help drivers make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Dakota ST Ext Cab 2WD | $160 | $362 | $454 | $26 | $136 | $1,138 | $95 |
| Dakota Bighorn Ext Cab 2WD | $160 | $362 | $454 | $26 | $136 | $1,138 | $95 |
| Dakota Lonestar Ext Cab 2WD | $184 | $362 | $454 | $26 | $136 | $1,162 | $97 |
| Dakota ST Crew Cab 2WD | $184 | $362 | $454 | $26 | $136 | $1,162 | $97 |
| Dakota Bighorn Crew Cab 2WD | $184 | $426 | $454 | $26 | $136 | $1,226 | $102 |
| Dakota Lonestar Crew Cab 2WD | $184 | $426 | $454 | $26 | $136 | $1,226 | $102 |
| Dakota Bighorn Ext Cab 4WD | $208 | $362 | $362 | $22 | $108 | $1,062 | $89 |
| Dakota ST Ext Cab 4WD | $208 | $362 | $362 | $22 | $108 | $1,062 | $89 |
| Dakota Laramie Crew Cab 2WD | $208 | $426 | $454 | $26 | $136 | $1,250 | $104 |
| Dakota ST Crew Cab 4WD | $208 | $362 | $362 | $22 | $108 | $1,062 | $89 |
| Dakota Lonestar Ext Cab 4WD | $208 | $362 | $362 | $22 | $108 | $1,062 | $89 |
| Dakota Bighorn Crew Cab 4WD | $208 | $362 | $362 | $22 | $108 | $1,062 | $89 |
| Dakota TRX Crew Cab 4WD | $208 | $426 | $362 | $22 | $108 | $1,126 | $94 |
| Dakota TRX Crew Cab 4WD | $208 | $426 | $362 | $22 | $108 | $1,126 | $94 |
| Dakota Lonestar Crew Cab 4WD | $208 | $426 | $362 | $22 | $108 | $1,126 | $94 |
| Dakota Laramie Crew Cab 4WD | $232 | $426 | $362 | $22 | $108 | $1,150 | $96 |
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Information does not factor in specific location which can decrease or increase rates significantly.
Accidents and violations increase rates
The information below shows how speeding tickets and accident claims can influence Dodge Dakota insurance costs for different ages of insureds. Data assumes a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.
Comparison of car insurance rates by gender and age in Omaha
The illustration below illustrates the comparison of Dodge Dakota insurance premiums for male and female drivers. The costs are based on no claims or violations, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no additional discounts are factored in.
Car insurance just makes sense
Even though Omaha Dakota insurance rates can get expensive, buying car insurance may be required and benefits you in several ways.
First, most states have minimum mandated liability insurance limits which means the state requires a specific level of liability protection 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.
Second, if your Dodge Dakota has a loan, it’s guaranteed your bank will stipulate that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank may buy a policy for your Dodge at a more expensive rate and force you to pay the higher premium.
Third, insurance protects your vehicle and your assets. It will also provide coverage for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay to defend you if you are sued as the result of your driving. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of having car insurance outweigh the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver overpays as much as $800 each year so it’s very important to do a rate comparison each time the policy renews to ensure rates are inline.
Get cheaper Dodge Dakota insurance in Omaha with discounts
The price of auto insurance can be rather high, but you may qualify for discounts that you may not even know about. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be asked about prior to getting the savings.
- Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of more than 20%.
- Distant Student Discount – Any of your kids living away from Omaha attending college and don’t have a car could get you a discount.
- Auto/Home Discount – If you can bundle your home and auto insurance and insure them with the same company you may earn up to 20% off your total Dakota insurance premium.
- Early Switch Discount – Some auto insurance companies reward drivers for signing up early. This discount can save up to 10%.
- Multi-Vehicle Discounts – Purchasing coverage when you have primary and secondary vehicles with one company can reduce rates for all insured vehicles.
- Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn slightly better premium rates than normal.
- Save with a New Car – Putting insurance coverage on a new Dakota can get you a discount due to better safety requirements for newer vehicles.
You can save money using discounts, but most discounts do not apply to the whole policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, it’s just not the way it works.
The chart below illustrates the difference between Dodge Dakota car insurance rates with and without policy discounts. The data is based on a female driver, no claims or driving citations, Nebraska state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, claim-free, multi-policy, and marriage discounts applied.
Some companies that may have most of these discounts are:
When quoting, ask every prospective company what discounts are available to you. All car insurance discounts may not apply to policies everywhere.
Insurance agencies near you
Many drivers would prefer to go talk to an agent and that is just fine! One of the great benefits of getting free rate quotes online is the fact that you can find cheap auto insurance rates but also keep your business local. Putting coverage with local agents is definitely important in Omaha.
For easy comparison, once you complete this form (opens in new window), your insurance data is instantly submitted to participating agents in Omaha who will give you quotes for your insurance coverage. There is no reason to contact an agency as quotes are delivered to the email address you provide. You can get cheaper auto insurance rates and a licensed agent to work with. If you wish to get a price quote for a specific company, you would need to jump over to their website and fill out the quote form the provide.
When looking for local Omaha agents, it’s important to understand the types of agencies and how they can service your needs differently. Insurance agencies in Omaha can be categorized as either exclusive or independent agents depending on their company appointments.
Independent Auto Insurance Agents (or Brokers)
Agents of this type often have many company appointments so as a result can place your coverage with multiple insurance companies depending on which coverage is best. If you want to switch companies, they can switch companies in-house and you stay with the same agent.
When comparing rates, you need to get quotes from independent agents in order to have the best price comparison. Many independent agencies also insure through small regional insurance companies that can offer cheaper rates than bigger companies.
The following is a partial list of independent agencies in Omaha who may be able to give you free rate quotes.
- N P Dodge Insurance
8701 W Dodge Rd #100 – Omaha, NE 68114 – (402) 938-5008 – View Map - United Insurance Agencies and Affordable Auto Insurance
1055 N 115th St #208 – Omaha, NE 68154 – (402) 492-8020 – View Map - Davis Companies
1313 Cuming St #200 – Omaha, NE 68102 – (402) 399-9090 – View Map
Exclusive Auto Insurance Agents
Agents that elect to be exclusive normally can only provide a single company’s rates such as Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to provide rate quotes from other companies so always compare other rates. They receive a lot of sales training on what they offer which helps offset the inability to provide other markets. A lot of people buy insurance from these agents mostly because of the prominent brand name rather than low rates.
Shown below are exclusive insurance agents in Omaha that can give you comparison quotes.
- Aaron Stockton – State Farm Insurance Agent
1411 N 72nd St – Omaha, NE 68114 – (402) 551-3455 – View Map - American Family Insurance – Daniel Grzywa Agency Inc
8031 W Center Rd Ste 209 – Omaha, NE 68124 – (402) 391-6364 – View Map - American Family Insurance – Robert Vacanti Agency Inc.
2928 N 108th St – Omaha, NE 68164 – (402) 496-1550 – View Map
Finding the right auto insurance agent should include more criteria than just a cheap price. Below are some questions you should ask.
- If independent agents, which companies do they recommend?
- How much can you save by raising your physical damage deductibles?
- Is insurance their full-time profession?
- Does the agency have a positive business rating?
- Does the agency have a current Errors and Omissions policy?
- Are you getting all the discounts the company offers?
- Are they primarily personal or commercial lines agents in Omaha?
Omaha auto insurance company ratings
Finding the top company is hard considering how many choices drivers have in Omaha. The company ratings shown below may help you choose which car insurance providers you want to consider comparing prices from.
Top 10 Omaha Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- State Farm
- Liberty Mutual
- Allstate
- Safeco Insurance
- 21st Century
- Travelers
- Titan Insurance
Learn about auto insurance coverages for a Dodge Dakota
Understanding the coverages of your auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.
Liability coverages
This provides protection from damage or injury you incur to people or other property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability insurance covers claims like medical services, pain and suffering, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible. Nebraska state law requires minimum liability limits of 25/50/25 but you should consider buying better liability coverage.
The illustration below shows why low liability limits may not be adequate coverage.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for dental work, chiropractic care, prosthetic devices, ambulance fees and funeral costs. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Comprehensive coverage (or Other than Collision)
This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like a broken windshield, falling objects, rock chips in glass and damage from flooding. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Collision insurance
Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like crashing into a ditch, sustaining damage from a pot hole, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible on your Dakota to save money on collision insurance.
Uninsured Motorist or Underinsured Motorist insurance
This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Dodge Dakota.
Since many Nebraska drivers only carry the minimum required liability limits (which is 25/50/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
The best insurance company isn’t always the cheapest
We just showed you a lot of information how to lower your Dodge Dakota insurance rates in Omaha. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the lowest priced insurance comes from some of the smallest insurance companies.
When getting Omaha car insurance quotes online, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where an insured cut collision coverage to discover at claim time that the savings was not a smart move. The proper strategy is to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.
Affordable Dodge Dakota insurance in Omaha can be found online and with local Omaha insurance agents, and you need to price shop both so you have a total pricing picture. Some companies don’t offer online rate quotes and these regional carriers only sell through local independent agents.
For more information, take a look at the following helpful articles:
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Who Has Cheap Omaha Auto Insurance Quotes for Used Cars? (FAQ)
- Who Has Affordable Omaha Car Insurance Quotes for 16 Year Olds? (FAQ)
- Who Has the Cheapest Omaha Auto Insurance for Postal Workers? (FAQ)
- What Car Insurance is Cheapest for Good Students in Omaha? (FAQ)
- Collision Coverage (Liberty Mutual)
- Airbag FAQ (iihs.org)
- How do I File a Claim? (Insurance Information Institute)