A recent insurance study revealed that most insurance customers kept their policy with the same company for at least the last four years, and roughly 40% of drivers have never compared rates with other companies. Omaha drivers could save 30% every year just by shopping around, but they just don’t understand the large savings they would see if they bought a different policy.
To save the most money, the best way to find more affordable auto insurance rates is to compare quotes once a year from insurance carriers who sell insurance in Omaha. Price quotes can be compared by following these guidelines.
Step 1: Read about what is in your policy and the things you can control to prevent expensive coverage. Many rating factors that increase rates such as getting speeding tickets and a less-than-favorable credit rating can be remedied by making minor driving habit or lifestyle changes.
Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from a single company like GEICO and State Farm, while independent agents can provide price quotes for a wide range of companies. View prices
Step 3: Compare the new quotes to the premium of your current policy to determine if switching companies saves money. If you find a lower rate quote and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Give proper notification to your current agent or company of your decision to cancel your current car insurance policy. Submit the required down payment along with the signed application to your new insurance company. Once received, safely store the certificate verifying proof of insurance in an accessible location in your vehicle.
The key thing to know about shopping around is to use similar coverage information on each quote request and and to analyze as many car insurance companies as possible. Doing this enables a fair rate comparison and a complete price analysis.
Finding the cheapest coverage in Omaha is really quite easy. If you are already insured or are looking for a new policy, use these money-saving tips to shop for the lowest rates while maintaining coverages. Drivers only have to learn the best way to compare insurance rates using one simple form.
Most companies like Progressive, GEICO, Allstate and State Farm make it easy to get prices on the web. The process is possible for anyone as you just enter the coverage amounts you desire on the page. Once entered, their quoting system collects your credit score and driving record and returns pricing information based on the data you entered.
Using the web to get rate quotes for Hyundai Azera insurance in Omaha helps simplify price comparisons, and it’s also necessary to have as many quotes as possible if you are searching for the lowest payment on insurance.
In order to fill out one form to compare multiple rates now, take a look at the companies shown below. If you have coverage now, it’s recommended you duplicate coverages and limits exactly as they are listed on your policy. This helps ensure you are getting rate comparison quotes using the exact same coverages.
The companies shown below offer free quotes in Omaha, NE. If multiple companies are listed, it’s highly recommended you click on several of them to get the best price comparison.
Statistics and details
The coverage table displayed next highlights a range of prices for Hyundai Azera models. Being aware of how insurance premiums are established can help customers make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $198 | $456 | $282 | $16 | $84 | $1,036 | $86 |
| Azera Limited 4-Dr Sedan | $224 | $456 | $282 | $16 | $84 | $1,062 | $89 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in specific Omaha garaging location which can increase or decrease coverage prices substantially.
Rate comparison for different deductibles
When comparing car insurance rates, the most common question is what deductibles to buy. The comparisons below summarize the rate differences between high and low insurance deductibles. The first data table uses a $250 deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| Azera Limited 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| Azera Limited 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Price information does not factor in Omaha location which can lower or raise price quotes considerably.
Using the premium rates above, we can conclude that using a $250 deductible costs an average of $24 more each month or $288 each year than buying the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 31 months between claims, you would most likely save money by going with a higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $250 deductibles: | $95 |
| Average monthly premium for $1,000 deductibles (subtract): | – $71 |
| Monthly savings from raising deductible: | $24 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $24 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 31 months |
Safe drivers pay less for car insurance
The information below illustrates how speeding tickets and at-fault claims can raise Hyundai Azera insurance premiums for each age group. The costs are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.
Gender differences in car insurance premiums
The illustration below illustrates the comparison of Hyundai Azera premium costs for male and female drivers. The data is based on a clean driving record, no claims, full physical damage coverage, $250 deductibles, single marital status, and no discounts are factored in.
Cost difference between full coverage and liability
The example below compares Hyundai Azera insurance premiums with full coverage compared to only the Nebraska minimum liability coverage. The data assumes no claims or driving citations, $500 deductibles, single marital status, and no other discounts are factored in.
Are you wasting money on full coverage?
There is no set guideline of when to phase out full coverage, but there is a general convention. If the yearly cost of full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Hyundai Azera book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after the deductible is paid. If you are paying over $800 a year for physical damage coverage, then you might want to consider buying only liability coverage.
There are a few cases where removing full coverage is not recommended. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should maintain full coverage.
Comparing quotes from local Omaha car insurance agents
Many people just want to talk to an insurance agent and that is a smart decision Agents will help you protect your assets and will help you if you have claims. One of the best bonuses of comparing insurance prices online is you can get lower prices and still have a local agent.
To find an agent, once you fill out this simple form, your information is immediately sent to local insurance agents in Omaha who want to provide quotes for your business. It simplifies rate comparisons since you won’t have to contact an agency since price quotes are sent to you instantly. If for some reason you want to get a comparison quote for a specific company, you can always go to their quote page and submit a quote form there.
Finding the right company is decision based upon more than just the premium amount. These are valid questions to ask:
- When do they do a full risk review?
- Does the agency have a good rating with the Better Business Bureau?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Will they give you a referral list?
- Does the company have a solid financial rating?
- Are they paid to recommend certain coverages?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Is coverage determined by price?
Below are agents in Omaha that are able to give rate quotes for Hyundai Azera insurance in Omaha.
- Southwell Insurance Agency, LLC.
2809 S 160th St #307 – Omaha, NE 68130 – (402) 493-6940 – View Map - American Family Insurance – T. C. Johnson Agency Inc.
155 N 72nd St – Omaha, NE 68114 – (402) 561-8633 – View Map - Farmers Insurance – Larry Schmitz
2726 S 148th Cir – Omaha, NE 68144 – (402) 895-3663 – View Map - Aaron Stockton – State Farm Insurance Agent
1411 N 72nd St – Omaha, NE 68114 – (402) 551-3455 – View Map