Are you sick of overpaying and want the cheapest auto insurance rates in Omaha, NE? Omaha drivers have options when trying to find the best price on Saturn VUE insurance. You can either spend your time contacting agents getting price quotes or leverage the internet to get rate quotes. There are both good and bad ways to buy auto insurance and you need to know the quickest way to price shop coverage for a Saturn and get the lowest possible price either online or from Omaha insurance agents.
Locating the best rates in Omaha seems hard but is not really that difficult. If you have insurance now, you will surely be able to reduce the price you pay using the concepts you’re about to learn. Smart buyers only have to learn the most effective way to find the lowest price from multiple carriers.
The companies shown below are ready to provide price comparisons in Nebraska. If you want the best cheap auto insurance in Omaha, we recommend you get prices from several of them to get a more complete price comparison.
Car insurance is an important decision
Despite the potentially high cost of Saturn VUE insurance, buying car insurance is required in Nebraska but also provides important benefits.
- Most states have mandatory liability insurance requirements which means you are required to carry specific minimum amounts of liability protection in order to drive the car 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.
- If you have a loan on your vehicle, most lenders will force you to have insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank may buy a policy for your Saturn at an extremely high rate and require you to reimburse them much more than you were paying before.
- Insurance safeguards both your Saturn VUE and your assets. It will also pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of having car insurance definitely exceed the price paid, especially when you need to use it. According to a 2015 survey, the average American driver is currently overpaying as much as $750 every year so it’s very important to do a rate comparison every year to make sure the price is not too high.
Insurance coverage details
The rate information below outlines estimates of coverage costs for Saturn VUE models. Being able to understand how car insurance prices are figured is important to be able to make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $234 | $352 | $308 | $18 | $92 | $1,004 | $84 |
| Vue XR 2WD | $234 | $428 | $308 | $18 | $92 | $1,080 | $90 |
| Vue XR-L 2WD | $264 | $428 | $308 | $18 | $92 | $1,110 | $93 |
| Vue XR AWD | $264 | $428 | $308 | $18 | $92 | $1,110 | $93 |
| Vue XR-L AWD | $264 | $506 | $308 | $18 | $92 | $1,188 | $99 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in specific location information which can increase or decrease price quotes considerably.
An analysis of deductible level
When buying auto insurance, a common question is what deductibles to buy. The figures shown below may aid in understanding the rate differences between high and low insurance deductibles. The first rate comparisons uses a $250 deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $232 | $320 | $300 | $18 | $90 | $985 | $82 |
| Vue XR 2WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Vue XR-L 2WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Vue XR AWD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Vue XR-L AWD | $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 |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $144 | $202 | $300 | $18 | $90 | $754 | $63 |
| Vue XR 2WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Vue XR-L 2WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Vue XR AWD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Vue XR-L AWD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in vehicle location which can alter premiums noticeably.
Based on these figures, using a $250 deductible costs approximately $21 more each month or $252 every year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 36 months between claim filings, you would most likely save money if you decide on a higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $250 deductibles: | $89 |
| Average monthly premium for $1,000 deductibles (subtract): | – $68 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 36 months |
One thing to note is that raising deductibles means you will have to pay more out-of-pocket when you have a physical damage claim. You must have enough extra money in the event you have to pay the higher deductible.
The example below demonstrates how deductible levels and can change Saturn VUE insurance rates for each different age group. The rates are based on a married male driver, full coverage, and no discounts are applied to the premium.
Responsible drivers pay cheaper Omaha auto insurance rates
The example below illustrates how violations and accidents can drive up Saturn VUE insurance costs for different ages of insureds. The rates are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are applied.
Lower rate quotes on Saturn VUE insurance in Omaha with these car insurance discounts
Companies that sell car insurance don’t necessarily list every possible discount in an easy-to-find place, so we researched a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy Omaha auto insurance online.
- Discount for Home Ownership – Being a homeowner can get you a discount due to the fact that maintaining a home shows financial diligence.
- Seat Belts Save – Requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
- Multi-policy Discount – If you combine your homeowners and auto policies with one company you will save as much as 10 to 15 percent.
- Government Employees – Being employed by or retired from a federal job can save as much as 8% depending on your company.
- Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
- Safety Course Discount – Completing a course in defensive driving can save you 5% or more and make you a better driver.
- Drivers Education – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school or through a local driver safety program.
- Save over 55 – Mature drivers are able to get lower premium rates.
As a footnote on discounts, most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
The example below visualizes the comparison of Saturn VUE insurance costs with and without discounts applied to the rates. The rates are based on a male driver, no accidents or driving violations, Nebraska state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, multi-policy, homeowner, and safe-driver discounts applied.
A list of car insurance companies and a selection of discounts are:
- Progressive may include discounts for online quote discount, multi-vehicle, online signing, multi-policy, homeowner, continuous coverage, and good student.
- SAFECO discounts include anti-lock brakes, teen safety rewards, anti-theft, accident prevention training, homeowner, and bundle discounts.
- American Family policyholders can earn discounts including TimeAway discount, defensive driver, good driver, bundled insurance, mySafetyValet, and air bags.
- MetLife includes discounts for multi-policy, claim-free, accident-free, good driver, and defensive driver.
- GEICO has discounts for seat belt use, federal employee, good student, daytime running lights, membership and employees, five-year accident-free, and emergency military deployment.
- The Hartford offers discounts for anti-theft, vehicle fuel type, driver training, good student, air bag, and bundle.
Before you buy a policy, ask each insurance company the best way to save money. Depending on the company, some discounts might not apply in Omaha.