Figuring out which companies have the most affordable car insurance rates for veterans involves more time in order to find the lowest price quote. Each insurer uses their own method for setting prices, so we’ll take a look at the lowest cost car insurance companies in Omaha.
It’s a good idea to know that Omaha car insurance rates are impacted by many factors which can significantly increase or decrease the cost of having a policy. Getting older, moving across town, or getting a few speeding tickets can cause premium changes that can now make some companies more affordable than competitors.
Best Cheap Insurance Rates for Vets
Safeco may have some of the lowest car insurance rates in Omaha at around $788 per year. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also are some of the most economical Omaha, NE auto insurance companies.
As shown above, if you currently buy coverage from Auto-Owners and switched to Safeco, you may see savings of in the vicinity of $135. Nebraska drivers with Allied might save as much as $151 a year, and Farmers Mutual of Nebraska customers might realize rate reductions of up to $191 a year.
Bear in mind that those policy prices are averages across all types of insureds and vehicles and do not take into consideration an exact location for veterans. So the insurer that has the cheapest price for you may not even be in the top 24 companies in the list above. That underscores the importance of why you need to compare prices as often as possible using your own personal information and vehicle type.
The vehicle model requiring insurance is a large factor that determines if you can find economical auto insurance for veterans. Vehicles with limited top-end speed, a plethora of safety features, or a low likelihood of liability claims will cost significantly less to insure than high performance models.
The list below features car insurance rates for a handful of the most affordable automobiles to insure in Nebraska.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford F-150 XLT Regular Cab 4WD | $1,219 |
| Ford Escape XLS 2WD | $1,245 |
| Toyota RAV4 Limited 4WD | $1,288 |
| Honda CR-V LX 4WD | $1,333 |
| Chevrolet Impala LTZ | $1,354 |
| Toyota Corolla S | $1,364 |
| Toyota Prius | $1,378 |
| GMC Sierra SLT Extended Cab 2WD | $1,380 |
| Chevrolet Equinox LTZ AWD | $1,387 |
| Ford Edge SE AWD | $1,446 |
| Honda Civic DX 4-Dr Sedan | $1,451 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,449 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,463 |
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Table data does not factor in specific Omaha, NE garaging location which can change price quotes substantially.
Looking at the numbers, we can conclude that models like the Ford F-150, Ford Escape, Toyota RAV4, and Honda CR-V are going to be a few of the most affordable vehicles to insure for veterans.
One of the many things that are looked at to determine the amount you pay each year for auto insurance is where you call home. Areas with more people or even just a higher incidence of claims likely pay more, whereas areas with less crime or weather claims have the enjoyment of a little cheaper coverage.
The next table sorts the most expensive cities in Nebraska for veterans in which to buy car insurance. Omaha makes the list at #7 with an annual rate of $1,270 for the average insurance policy, which is around $106 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McCook | $1,331 |
| 2 | Scottsbluff | $1,320 |
| 3 | Gering | $1,317 |
| 4 | Alliance | $1,314 |
| 5 | Lexington | $1,277 |
| 6 | Beatrice | $1,272 |
| 7 | Omaha | $1,270 |
| 8 | South Sioux City | $1,264 |
| 9 | North Platte | $1,262 |
| 10 | Nebraska City | $1,224 |
| 11 | Kearney | $1,224 |
| 12 | Crete | $1,198 |
| 13 | Hastings | $1,193 |
| 14 | York | $1,191 |
| 15 | Blair | $1,188 |
| 16 | Columbus | $1,185 |
| 17 | Seward | $1,179 |
| 18 | Bellevue | $1,179 |
| 19 | Grand Island | $1,170 |
| 20 | Fremont | $1,131 |
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Price information shown is estimated as specific Omaha garaging address can lower or raise premium rates substantially.
The information below illustrates how choosing a deductible can affect premium costs when searching for cheap insurance for veterans. The premiums assume a single female driver, comprehensive and collision coverage, and no other discounts are factored in.
In the chart above, a 40-year-old driver could cut expenses by $236 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $358 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old, could save as much as $602 every year by choosing larger deductibles on their policy. If you do raise deductibles, it is important to have enough in a savings account to be able to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Careless driving habits raise car insurance rates
The recommended way to maintain the best car insurance prices in Omaha for veterans is to be a careful driver and avoid accidents and violations. The diagram below demonstrates how traffic citations and fender-benders can influence auto insurance rates for each age group. The premiums are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
In the previous chart, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,209. Get two speeding tickets and the average cost increases to $1,661, an increase of $452 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of car insurance for veterans goes up to an average of $3,429. That’s an increase of $2,221, or $185 per month, just for not driving responsibly!
How to find the cheapest car insurance for veterans
Lowering your rates is not difficult, and here are a few penny-pinching suggestions that can help Nebraska drivers buy low-cost car insurance.
- Be a cautious driver
- Raise deductibles to save money
- Get cheaper liability coverage by choosing a safer vehicle
- Avoid at-fault accidents and claims
- Better credit scores save money
- Compare rates often to find the best deal
That last idea is certainly necessary, as was pointed out in this article. Prices in Omaha can change considerably in a year, so don’t be tentative to buy from a new company if a cheaper rate is available.
Many drivers tend to have loyalty to a certain company, but we do not recommend it if that inflexibility results in costing you a lot of money every month. In less than five minutes you could compare rates to find cheaper auto insurance for veterans.
The agents shown below can probably help you make a decision which coverage fits your budget, since some drivers have questions and prefer to get some guidance when trying to find the best insurance rates for veterans. It can be complicated to find the best rates on your own, and getting advice from a licensed Nebraska insurance agent can give peace of mind knowing you have suitable coverage if you ever need to use it. To locate an Omaha auto insurance agent nearest to you, click the button following the list or click here to compare rates now.
New Frontier Insurance
3637 S 24th St – Omaha, NE 68108 – (402) 731-2505
Encore Insurance Group of Omaha
11929 Elm St Suite 11 – Omaha, NE 68144 – (402) 552-8700
Best Insurance Agency
7300 F St – Omaha, NE 68127 – (402) 331-1515
Janice Peterson – State Farm Insurance Agent
9785 Q St Ste #4 – Omaha, NE 68127 – (402) 593-1899
Len Siedlik – State Farm Insurance Agent
12781 Q St – Omaha, NE 68137 – (402) 895-4446