We don’t have to point out that fact that insurance companies want to keep you from comparing rates. People who rate shop once a year are very likely to move their business because they stand a good chance of finding a more affordable policy premium. A recent survey discovered that drivers who made a habit of comparing rates saved over $3,450 over four years compared to those who never shopped around for cheaper prices.
If finding low prices for auto insurance in Omaha is your intention, then having some knowledge of how to quote prices and compare insurance can make it easier to find better rates.
If you want to save the most money, the best way to find low-cost Dodge Caliber insurance in Omaha is to start comparing prices yearly from companies in Nebraska. You can compare rates by completing these steps.
- Read about what is in your policy and the measures you can take to keep rates in check. Many factors that result in higher prices such as getting speeding tickets and a substandard credit score can be remedied by making minor changes in your lifestyle.
- Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like Progressive and State Farm, while agents who are independent can provide price quotes for a wide range of companies. Find an Omaha insurance agent
- Compare the price quotes to your existing rates to determine if you can save on Caliber insurance. If you can save money, make sure there is no coverage gap between policies.
- Provide notification to your current agent or company of your decision to cancel your current policy. Submit the application along with any required down payment to the newly selected company. As soon as you have the new policy, put the proof of insurance certificate with your registration paperwork.
A good piece of advice is that you’ll want to compare the same liability limits and deductibles on every price quote and and to compare all possible companies. This provides an accurate price comparison and a complete rate analysis.
Finding and buying the best coverage in Omaha is not as hard as you think. If you are insured now or are just looking to switch companies, use these money-saving tips to shop for the lowest rates without reducing protection. Smart shoppers just need to understand the proper way to shop online.
Affordable auto insurance in Omaha, NE
The auto insurance companies shown below are ready to provide free rate quotes in Omaha, NE. If you want the best auto insurance in Omaha, it’s a good idea that you visit as many as you can to get the lowest price.
Rates and statistics
The data table displayed next covers different insurance coverage prices for Dodge Caliber models. Having a good understanding how policy premiums are established can help guide drivers when making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $158 | $332 | $288 | $18 | $86 | $882 | $74 |
| Caliber Heat | $158 | $332 | $288 | $18 | $86 | $882 | $74 |
| Caliber SE | $158 | $332 | $288 | $18 | $86 | $882 | $74 |
| Caliber Mainstreet | $158 | $332 | $288 | $18 | $86 | $882 | $74 |
| Caliber Rush | $158 | $332 | $288 | $18 | $86 | $882 | $74 |
| Caliber SXT | $158 | $332 | $288 | $18 | $86 | $882 | $74 |
| Caliber Uptown | $158 | $332 | $288 | $18 | $86 | $882 | $74 |
| Caliber R/T | $180 | $390 | $288 | $18 | $86 | $962 | $80 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Information does not factor in specific garaging location which can influence insurance rates significantly.
Should you raise deductibles?
A question often asked by Omaha drivers is what deductibles to buy. The data tables below may help to conceptualize the differences in price between low and high physical damage deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Caliber Heat | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Caliber SE | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Caliber Mainstreet | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Caliber Rush | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Caliber SXT | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Caliber Uptown | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Caliber R/T | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Caliber Heat | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Caliber SE | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Caliber Mainstreet | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Caliber Rush | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Caliber SXT | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Caliber Uptown | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Caliber R/T | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| 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 safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rates do not factor in specific Omaha garaging location which can revise auto insurance rates greatly.
Based on this data, using a $250 deductible will cost you roughly $11 more each month or $132 every year across all Dodge Caliber models than selecting the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 23 months between claims, you would come out ahead by selecting a higher deductible. Here’s an example of how you can come to your own conclusion.
| Average monthly premium for $250 deductibles: | $86 |
| Average monthly premium for $500 deductibles (subtract): | – $75 |
| Monthly savings from raising deductible: | $11 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $11 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
One thing to be aware of is that a higher deductible level results in a higher out-of-pocket expense when you have to file a claim. That will require some extra funds in the event you have to pay the deductible for vehicle repair.
The example below illustrates how choosing a deductible and can impact Dodge Caliber insurance costs for each age group. The premium estimates are based on a single male driver, full physical damage coverage, and no discounts are factored in.
Dodge Caliber full coverage rates compared to liability only
The information below compares Dodge Caliber insurance prices with full coverage and liability only. The premiums are based on no accidents or driving violations, $1,000 deductibles, drivers are not married, and no discounts are factored in.
Should you be buying full coverage?
There is no exact formula of when to eliminate physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Dodge Caliber book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $6,000 after paying the physical damage deductible. If you are paying more than $600 a year for physical damage coverage, then it might be time to buy liability only.
There are some cases where eliminating full coverage is not advised. If you haven’t paid off your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Why Informed Drivers Pay Less for Dodge Caliber Insurance
Lots of factors are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, although some other factors are not as apparent like your vehicle usage and annual miles driven.
Insurance is expensive for teenage drivers – Drivers with little experience have been known to be less responsible when driving with friends so they pay higher car insurance rates. Older insureds have been proven to be more responsible, tend to file fewer claims, and receive fewer citations.
The following chart is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Rates also based on gender – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Both sexes have auto accidents in similar numbers, but males cause more damage and cost insurance companies more money. They also have more aggressive citations like DUI and reckless driving.
The information below shows the difference between Dodge Caliber insurance premiums for male and female drivers. The premiums are based on no accidents or driving violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are factored in.
Lower rates with a multi-policy discount – Most insurers will give a discount to clients who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to get quotes from other companies to ensure the best deal.
Your spouse saves you money – Your spouse helps lower the price on your car insurance policy. Having a significant other generally demonstrates drivers are more stable financially and it’s proven that married drivers tend to have fewer serious accidents.
Insurance rates in urban areas – Choosing to live in small towns and rural areas can be a good thing when it comes to car insurance. Fewer drivers corresponds to lower accident rates in addition to fewer liability claims. City drivers have traffic congestion and longer commute times. More time commuting translates into higher accident risk.
Liability coverage is important – The liability coverage on your policy is the coverage that protects you when you are ruled to be at fault for damages from an accident. Liability insurance provides for a legal defense which can be incredibly expensive. This coverage is relatively inexpensive compared to other policy coverages, so do not cut corners here.
Auto insurance discounts help lower rates for Dodge Caliber insurance in Omaha
Some insurers don’t always list the entire discount list very clearly, so we took the time to find both the well known and also the more inconspicuous credits that may apply to you.
- Driver’s Education for Students – Have your child complete a driver education course in school or through a local driver safety program.
- Student Discounts – Being a good student may save as much as 25% on a Omaha auto insurance quote. Earning this discount can benefit you well after school through age 25.
- Military Discounts – Having a deployed family member may lower your auto insurance rates slightly.
- Resident Student – Any of your kids who live away from home to go to college and don’t have a car could qualify for this discount.
- Driver Safety – Passing a defensive driving course could save 5% or more and also improve your driving technique.
- Policy Bundle Discount – If you combine your homeowners and auto policies and insure them both with the same insurance company you will save 10% to 20% off each policy.
As a sidenote, most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like comprehensive or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.
The illustration below shows the difference between Dodge Caliber auto insurance rates with and without discounts being applied to the rates. The prices are based on a male driver, a clean driving record, no claims, 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 marriage, multi-policy, homeowner, multi-car, safe-driver, and claim-free discounts applied.
A list of auto insurance companies and a selection of discounts include:
- State Farm offers premium reductions for anti-theft, passive restraint, accident-free, multiple autos, driver’s education, and Steer Clear safe driver discount.
- American Family policyholders can earn discounts including good driver, bundled insurance, accident-free, Steer into Savings, and air bags.
- GEICO has savings for driver training, emergency military deployment, multi-vehicle, multi-policy, federal employee, and membership and employees.
- 21st Century may have discounts that include student driver, automatic seat belts, 55 and older, theft prevention, good student, defensive driver, and homeowners.
- Progressive includes discounts for online signing, online quote discount, homeowner, multi-vehicle, and continuous coverage.
When comparing rates, check with every insurance company which discounts they offer. A few discounts might not apply in Omaha.
Local insurance agents
Certain consumers would prefer to buy from a local agent and that is a smart decision Licensed agents are very good at helping people manage risk and help in the event of a claim. An additional benefit of price shopping on the web is that you can obtain cheaper auto insurance rates and still choose a local agent. Buying insurance from local insurance agencies is still important in Omaha.
To help locate an agent, after submitting this simple form, the coverage information is transmitted to companies in Omaha that give free quotes for your insurance coverage. You won’t need to contact an agency since price quotes are sent directly to you. If you have a need to get a rate quote from a specific insurance company, you would need to go to their quote page and give them your coverage information.
When looking for a local Omaha insurance agent, there are two different types of agents and how they are slightly different. Omaha agents are classified as either independent agents or exclusive agents depending on their employer. Both types of agents can insure your vehicles, but it’s good to learn how they are different because it can impact your selection of an agent.
Independent Car Insurance Agents (or Brokers)
Independent agents can sell policies from many different companies so as a result can place your coverage with many different companies enabling the ability to shop coverage around. If you want to switch companies, the business is moved internally and you don’t have to find a new agent.
When comparing rates, you absolutely need to get some free quotes from several independent agencies for the best price selection. Most also write with mutual insurance companies that may provide cheaper car insurance rates.
Featured below is a list of independent insurance agents in Omaha who can help you get free rate quotes.
- Action Insurance
12100 W Center Rd #208 – Omaha, NE 68144 – (402) 697-8181 – View Map - Chastain-Otis Insurance and Financial Services
10822 Old Mill Rd #2 – Omaha, NE 68154 – (402) 397-2500 – View Map - N P Dodge Insurance
8701 W Dodge Rd #100 – Omaha, NE 68114 – (402) 938-5008 – View Map
Exclusive Insurance Agencies
Exclusive agents write business for a single company and examples are State Farm, AAA, Farmers Insurance or Allstate. They are unable to provide rate quotes from other companies so they have no alternatives for high prices. These agents receive extensive training on what they offer and that allows them to sell at a higher price point. A lot of people choose to use an exclusive agent partially due to the brand name and solid financial strength.
Listed below is a short list of exclusive agencies in Omaha that can give you comparison quotes.
- Araf Evans – State Farm Insurance Agent
12005 W Center Rd #95 – Omaha, NE 68144 – (402) 884-1885 – View Map - Sherman Willis – State Farm Insurance Agent
4915 N 120th St Ste 107 – Omaha, NE 68164 – (402) 493-1000 – View Map - Farmers Insurance – Lance Juett
2708 S 114th St – Omaha, NE 68144 – (402) 315-1554 – View Map
Selecting an insurance agency requires more thought than just a cheap quote. Any agent in Omaha should be forthright in answering these questions:
- What is the agency’s Better Business Bureau rating?
- Will you work with the agent or an assistant?
- How many companies do they write for?
- Does the agency provide any after hours assistance?
- How much will you save each year by using a higher deductible?
- Does the company have a solid financial rating?
Once you have received positive responses to any questions you may have as well as offering an affordable quote, you have narrowed it down to an auto insurance agent that is a good match to insure your vehicles. Keep in mind once you purchase a policy you can cancel coverage whenever you want so don’t assume you are locked into a specific company for the full policy term.
What is the best car insurance company in Nebraska?
Choosing a good quality car insurance company can be a challenge considering how many choices drivers have in Omaha. The rank data in the lists below can help you pick which auto insurers you want to consider shopping your coverage with.
Top 10 Omaha Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
- Progressive – 87%
Don’t give up on cheap coverage
More affordable insurance in Omaha is possible from both online companies as well as from independent agents in Omaha, and you should be comparing both so you have a total pricing picture. A few companies may not offer online price quotes and most of the time these regional insurance providers only sell through local independent agents.
As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, drivers have reduced collision coverage only to regret at claim time they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.
Insureds who switch companies do it for a number of reasons such as denial of a claim, delays in responding to claim requests, an unsatisfactory settlement offer and lack of trust in their agent. It doesn’t matter what your reason, finding a new company can be pretty painless.
For more information, feel free to visit the resources below:
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- How Much are Car Insurance Quotes for a Ford Escape in Omaha? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Teenage Females in Omaha? (FAQ)
- How Much is Omaha Auto Insurance for High Mileage Drivers? (FAQ)
- What Car Insurance is Cheapest for a Hyundai Elantra in Omaha? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Veterans in Omaha? (FAQ)
- Who Has Cheap Auto Insurance for a Company Car in Omaha? (FAQ)
- What is Full Coverage? (Allstate)
- Parking Tips to Reduce Door Dings (State Farm)