Unbelievably, over 70% of consumers have stayed with the same insurance company for over three years, and approximately 38% of consumers have never quoted rates to find cheap coverage. Nebraska drivers could save as much as $390 every year just by getting comparison quotes, but they mistakenly think it’s difficult to shop around.
The best way we recommend to find low-cost Ford Explorer Sport Trac insurance is to make a habit of comparing prices annually from companies who provide car insurance in Omaha. Prices can be compared by following these guidelines.
- First, get an understanding of how insurance companies determine prices and the modifications you can make to prevent rate increases. Many rating factors that result in higher prices like speeding tickets, careless driving and an unacceptable credit rating can be eliminated by improving your driving habits or financial responsibility. Continue reading for tips to get better rates and find possible discounts that are available.
- Second, obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO or State Farm, while independent agents can give you price quotes for many different companies.
- Third, compare the new rate quotes to your existing policy and see if you can save money. If you can save money and decide to switch, ensure there is no coverage lapse between policies.
- Fourth, provide notification to your current company of your decision to cancel your current coverage. Submit the signed application along with the required initial payment to the newly selected company. Once received, keep your new proof of insurance certificate along with the vehicle’s registration papers.
An important note is that you’ll want to make sure you compare similar limits and deductibles on every price quote and to quote with as many auto insurance providers as possible. Doing this enables a fair rate comparison and the most accurate and complete price analysis.
Best Ford Explorer Sport Trac insurance prices in Nebraska
The following companies are ready to provide price quotes in Omaha, NE. To buy cheap car insurance in Nebraska, we suggest you visit several of them to find the most affordable car insurance rates.
Detailed insurance information
The information below highlights a range of insurance coverage prices for Ford Explorer Sport Trac models. Learning more about how insurance prices are formulated is important to be able to make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $188 | $258 | $392 | $24 | $118 | $980 | $82 |
| Explorer Sport Trac Limited 2WD | $214 | $258 | $392 | $24 | $118 | $1,006 | $84 |
| Explorer Sport Trac XLT 4WD | $214 | $258 | $392 | $24 | $118 | $1,006 | $84 |
| Explorer Sport Trac Limited 4WD | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| Explorer Sport Trac Limited AWD | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in your specific Omaha location which can decrease or increase prices substantially.
An analysis of deductible level
When shopping for auto insurance, a common question is which deductible level should you buy. The rates below lay out how much more you’ll pay between high and low comp and collision deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Explorer Sport Trac Limited 2WD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Explorer Sport Trac XLT 4WD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Explorer Sport Trac Limited 4WD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Explorer Sport Trac Limited AWD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $124 | $202 | $300 | $18 | $90 | $734 | $61 |
| Explorer Sport Trac Limited 2WD | $144 | $202 | $300 | $18 | $90 | $754 | $63 |
| Explorer Sport Trac XLT 4WD | $144 | $202 | $300 | $18 | $90 | $754 | $63 |
| Explorer Sport Trac Limited 4WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Explorer Sport Trac Limited AWD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Estimates do not factor in specific location which can decrease or increase auto insurance rates significantly.
Based on the above data, using a $100 deductible could cost the average driver approximately $28 more each month or $336 for a full year averaged for all Explorer Sport Trac models than selecting the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 32 months between claims, you would probably be better off by selecting a higher deductible. Here is a better example of how you can make your own decision.
| Average monthly premium for $100 deductibles: | $93 |
| Average monthly premium for $1,000 deductibles (subtract): | – $65 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 32 months |
One important issue to know is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. That will require some extra savings in the event you need to pay the deductible for vehicle repair.
The diagram below illustrates how choosing a deductible and can raise or lower Ford Explorer Sport Trac annual premium costs for each age group. The data is based on a married male driver, full coverage, and no discounts are factored in.
How accidents and violations affect rates
The diagram below highlights how speeding tickets and at-fault claims can drive up Ford Explorer Sport Trac insurance costs for different age groups of insureds. The data is based on a single male driver, full coverage, $100 deductibles, and no additional discounts are factored in.
Rate difference between full and liability-only coverage
The chart below illustrates the comparison of Ford Explorer Sport Trac premium costs when comparing full coverage to liability only. The rate quotes are based on no claims, a clean driving record, $1,000 deductibles, single status, and no discounts are factored in.
When to buy liability coverage only
There is no definitive rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s assume your Ford Explorer Sport Trac replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,000 after paying your deductible. If it’s costing you more than $800 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are a few situations where buying only liability insurance is not recommended. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should maintain full coverage.
Discount Omaha insurance rates
Some insurance providers don’t necessarily list all possible discounts very clearly, so the following list contains both well-publicized and the harder-to-find insurance savings.
- Theft Prevention Discount – Cars with anti-theft systems can help prevent theft and can earn a small discount on your policy.
- Drive Less and Save – Low mileage vehicles can qualify you for lower insurance rates on the low mileage vehicles.
- Full Payment Discount – If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.
- Multiple Cars – Buying a policy with primary and secondary vehicles with the same insurance company can reduce rates for all insured vehicles.
- Multi-line Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
- Home Ownership Discount – Just owning your own home can get you a discount because maintaining a house is proof that your finances are in order.
A little note about advertised discounts, many deductions do not apply to the whole policy. Most cut the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.
The illustration below illustrates the comparison of Ford Explorer Sport Trac car insurance costs with and without discounts applied to the policy premium. Data assumes a male driver, no driving violations, no at-fault accidents, 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 multi-car, marriage, multi-policy, claim-free, safe-driver, and homeowner discounts applied.
To view insurance companies with the best Ford Explorer Sport Trac insurance discounts in Omaha in Nebraska, click here.
It’s not one size fits all
When it comes to choosing coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.
These are some specific questions might help in determining whether you might need an agent’s assistance.
- When should I not buy collision coverage?
- Does my Ford Explorer Sport Trac need full coverage?
- Am I insured when driving a different vehicle?
- How much liability do I need to cover my assets?
- Why am I be forced to buy a membership to get insurance from some companies?
- Why am I required to buy high-risk coverage?
- What companies insure drivers after a DUI or DWI?
- Does insurance cover damages from a DUI accident?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Is my Ford Explorer Sport Trac covered for smoke damage?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form.
Comparing rates from local Omaha insurance agents
A lot of people prefer to buy from a local agent and that is OK! The best thing about comparing rates online is you can get the best rates and also buy local. Buying insurance from small agencies is still important in Omaha.
For easy comparison, once you complete this quick form, the quote information is immediately sent to participating agents in Omaha that can provide free Omaha auto insurance quotes and help you find cheaper coverage. You won’t need to drive around since rate quotes are delivered immediately to your email address. It’s the lowest rates AND a local agent. In the event you want to get a price quote for a specific company, don’t hesitate to visit that company’s website and submit a quote form there.
Shown below are agents in Omaha who can help you get comparison quotes for Ford Explorer Sport Trac insurance in Omaha.
Araf Evans – State Farm Insurance Agent
12005 W Center Rd #95 – Omaha, NE 68144 – (402) 884-1885 – View Map
American Family Insurance – T. C. Johnson Agency Inc.
155 N 72nd St – Omaha, NE 68114 – (402) 561-8633 – View Map
Daniel Kershaw – State Farm Insurance Agent
3525 N 147th St #209 – Omaha, NE 68116 – (402) 333-5108 – View Map
Matt Dougherty – State Farm Insurance Agent
4910 Dodge St – Omaha, NE 68132 – (402) 884-2870 – View Map
Choosing the best company should include more criteria than just the price. These questions are important to ask:
- Can glass repairs be made at your home?
- How is replacement cost determined on your vehicle?
- If your car is in the repair shop, do you have coverage for a rental car?
- Do they specialize in personal lines auto insurance in Omaha?
- Are they involved in claim handling?
A little work can save a LOT of money
People switch companies for a number of reasons such as questionable increases in premium, policy cancellation, high rates after DUI convictions or even poor customer service. It doesn’t matter what your reason, choosing a new company is easier than you think.
Lower-priced Ford Explorer Sport Trac insurance in Omaha can be sourced on the web as well as from insurance agents, so you need to quote Omaha auto insurance with both to have the best chance of lowering rates. There are still a few companies who may not provide internet price quotes and many times these small, regional companies work with local independent agencies.
We covered quite a bit of information on how to get a better price on Ford Explorer Sport Trac insurance in Omaha. The most important thing to understand is the more providers you compare, the better your chances of lowering your premium rates. Consumers may even find the lowest car insurance rates come from the smaller companies.
For more information, link through to these articles:
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- What Car Insurance is Cheapest for Government Employees in Omaha? (FAQ)
- Who Has the Cheapest Car Insurance for Police Officers in Omaha? (FAQ)
- Who Has Affordable Car Insurance for a Toyota Camry in Omaha? (FAQ)
- Who Has Cheap Car Insurance for Drivers Requiring a SR22 in Omaha? (FAQ)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- What does Personal Injury Protection (PIP) Cover? (Allstate)