If you want to save the most money, the best way to get the cheapest auto insurance rates in Omaha is to regularly compare price quotes from insurance carriers who sell auto insurance in Nebraska. Drivers can shop around by following these guidelines.
- Read about auto insurance and the things you can change to drop your rates. Many rating factors that cause high rates like accidents, traffic violations, and a poor credit rating can be amended by improving your driving habits or financial responsibility.
- Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO and State Farm, while agents who are independent can quote prices from multiple sources.
- Compare the new rates to your existing rates to see if cheaper Flex coverage is available in Omaha. If you find better rates, make sure coverage does not lapse between policies.
- Provide notification to your current company of your intent to cancel the current policy. Submit a down payment and signed policy application for the new coverage. Immediately safely store the proof of insurance paperwork in your vehicle’s glove compartment or console.
One bit of advice is that you’ll want to make sure you compare the same level of coverage on every quote request and to quote with every insurance company. This guarantees an accurate price comparison and the best price selection.
It goes without saying that car insurance companies want to keep you from comparing rates. Consumers who shop around for cheaper rates are inclined to move their business because there is a significant possibility of finding a policy with better rates. A study discovered that consumers who faithfully checked for cheaper rates saved as much as $850 each year compared to those who don’t regularly compare prices.
If finding the cheapest price for insurance is your ultimate objective, then having a good understanding how to find and compare insurance rates can make the process more efficient.
Lower rate quotes by getting these six discounts
Auto insurance companies do not advertise all available discounts in an easy-to-find place, so the list below details both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you buy Omaha car insurance online.
- No Claim Discounts – Drivers who don’t have accidents have much lower rates when compared with insureds who have frequent claims or accidents.
- Low Mileage – Driving less can qualify you for lower insurance rates due to less chance of an accident.
- Telematics Data Discounts – Drivers that enable companies to analyze when and where they use their vehicle by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they have good driving habits.
- Seat Belts Save – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- Student Discount for Driver Training – Have your child enroll in driver’s education if offered at their school.
- Defensive Driver Discount – Taking time to complete a defensive driving class is a good idea and can lower rates and make you a better driver.
As a sidenote, most of the big mark downs will not be given to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. So when the math indicates all those discounts means the company will pay you, you’re out of luck.
The illustration below visualizes the comparison of Ford Flex insurance premiums with and without discounts applied to the rates. The rate quotes are based on a male driver, no accidents, no driving violations, Nebraska state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, safe-driver, multi-policy, and marriage discounts applied.
Auto insurance companies that have most of the discounts above possibly include:
Before you buy a policy, ask all companies you are considering which credits you are entitled to. Some of the discounts discussed earlier may not apply to policies in Omaha. To find insurance companies who offer discounts in Omaha, click here to view.
The are a couple different ways of comparing price quotes from many car insurance companies in Nebraska. One of the best ways to compare rates is to use the internet to compare rates.
Getting free price quotes online is quite simple, and it takes the place of having to make phone calls or go to insurance agents’ offices. Comparing Ford Flex insurance rate quotes online eliminates this option unless you require the professional abilities that only an agent can give. Drivers can price shop online but still have the advice of a local agent.
Keep in mind that comparing more prices provides better odds of finding the best rates.
The auto insurance companies shown below are ready to provide comparison quotes in Nebraska. If multiple companies are listed, it’s highly recommended you click on several of them in order to get a fair rate comparison.
Ford Flex insurance coverage information
The price information displayed next showcases estimates of insurance policy prices for Ford Flex models. Having a better idea how insurance premiums are established can be of help when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $262 | $390 | $300 | $18 | $90 | $1,060 | $88 |
| Flex SEL 2WD | $262 | $460 | $300 | $18 | $90 | $1,130 | $94 |
| Flex SEL AWD | $292 | $460 | $300 | $18 | $90 | $1,160 | $97 |
| Flex Limited 2WD | $292 | $460 | $300 | $18 | $90 | $1,160 | $97 |
| Flex Limited AWD | $292 | $460 | $300 | $18 | $90 | $1,160 | $97 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rates do not factor in zip code location which can affect coverage rates substantially.
Higher deductibles lower rates
One of the hardest decisions when shopping for car insurance is how high should the physical damage coverage deductibles be. The comparison tables below summarize the differences in premium rates between high and low coverage deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Flex SEL 2WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Flex SEL AWD | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
| Flex Limited 2WD | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
| Flex Limited AWD | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Flex SEL 2WD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Flex SEL AWD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Flex Limited 2WD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Flex Limited AWD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| 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, claim-free, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in vehicle location which can influence rates greatly.
Based on the data above, we can derive that using a $100 deductible would cost the average driver about $34 more each month or $408 each year averaged for all Flex models than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 26 months between claim filings, you would come out ahead if you choose a higher deductible. Here’s how you can make this decision for your own policy.
| Average monthly premium for $100 deductibles: | $106 |
| Average monthly premium for $1,000 deductibles (subtract): | – $72 |
| Monthly savings from raising deductible: | $34 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $34 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 26 months |
One important caveat is that raising deductibles to save money means you will have to cover more of the damage yourself at claim time. You should have some extra savings in order to pay more for the deductible.
The illustration below illustrates how choosing a deductible and can change Ford Flex annual premium costs for different age groups. The premiums are based on a married female driver, comp and collision included, and no discounts are applied.
Car insurance premiums based on gender
The chart below illustrates the comparison of Ford Flex auto insurance rates for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, full coverage, $500 deductibles, drivers are single, and no additional discounts are factored in.
Cost difference between full coverage and liability
The example below compares Ford Flex insurance premiums with full physical damage coverage and with liability coverage only. The prices are based on no accidents or driving violations, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
Are you wasting money on full coverage?
There is no clear-cut formula to stop buying physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your Ford Flex settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $2,000 after the policy deductible has been paid. If premium cost is more than $200 a year for your policy with full coverage, then it might be time to consider dropping full coverage.
There are some cases where buying only liability insurance is not advised. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not opt for liability only.
You may require the services of an agent
Some consumers still like to get advice from a local agent and there is nothing wrong with that. A good thing about comparing rate quotes online is you may find better rates and still have a local agent. Buying from local agents is especially important in Omaha.
After filling out this simple form, your information is sent to insurance agents in Omaha that can provide free Omaha car insurance quotes for your coverage. You don’t have to even leave your home because quoted prices will be sent to you directly. You can find better rates and an insurance agent to talk to. If you want to compare rates from a particular provider, you can always visit that company’s website to submit a rate quote request.
Choose the right auto insurance agent
When researching a good insurance agency, there are two types of insurance agents and how they operate. Agents in Omaha are categorized either exclusive agents or independent agents.
Independent Auto Insurance Agencies
Agents in the independent channel do not sell for just one brand so as a result can place your coverage through many different auto insurance companies and find you cheaper rates. If your premiums go up, the agent simply finds a different carrier and you don’t have to do anything.
If you need lower rates, it’s a good idea to compare prices from independent agents to have the most options to choose from.
Below are Omaha independent insurance agencies that may be able to give you free rate quotes.
Alvarez Insurance Agency
4629 S 23rd St – Omaha, NE 68107 – (402) 733-1878 – View Map
Jensen Insurance
16909 Burke St #125 – Omaha, NE 68118 – (402) 391-5100 – View Map
Action Insurance
12100 W Center Rd #208 – Omaha, NE 68144 – (402) 697-8181 – View Map
Exclusive Auto Insurance Agents
Exclusive insurance agents work for only one company and examples are Allstate, Farmers Insurance or State Farm. They generally cannot provide prices from multiple companies so they really need to provide good service. These agents are well schooled on sales techniques which helps them sell on service rather than price.
The following is a short list of exclusive insurance agencies in Omaha willing to provide price quotes.
American Family Insurance – John Cuenca
4601 S 50th St Ste 306 – Omaha, NE 68117 – (402) 614-5004 – View Map
Tommy Hughes Jr – State Farm Insurance Agent
1321 Jones St #104 – Omaha, NE 68102 – (402) 346-1011 – View Map
Farmers Insurance – Larry Schmitz
2726 S 148th Cir – Omaha, NE 68144 – (402) 895-3663 – View Map
Finding the right auto insurance agent should depend on more than just a cheap price quote. The questions below may impact your decision as well.
- Does the company allow you to choose your own collision repair facility?
- Are there any discounts for paying up front?
- Is there a local claims center in Omaha?
- Is the agency covered by Errors and Omissions coverage?
- Will the agent help in case of a claim?
- Are all drivers listed on the coverage quote?
- Is the agent CPCU or CIC certified?
- How long have they worked with personal auto insurance coverage?
Which auto insurance company is best in Nebraska?
Buying coverage from the highest-rated company is hard considering how many different companies insure vehicles in Omaha. The rank data listed below may help you choose which car insurance companies you want to consider putting your business 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%
Top 10 Omaha Car Insurance Companies Overall
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Specific coverage details
Understanding the coverages of car insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages available from car insurance companies.
Collision protection
This coverage pays for damage to your Flex from colliding with another car or object. A deductible applies then your collision coverage will kick in.
Collision coverage protects against things such as driving through your garage door, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible on your Flex to get cheaper collision coverage.
Coverage for liability
This will cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage pays for claims like funeral expenses, bail bonds, court costs, medical services and attorney fees. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford. Nebraska requires minimum liability limits of 25/50/25 but drivers should carry more coverage.
The illustration below shows why minimum state limits may not be adequate coverage.
Uninsured Motorist or Underinsured Motorist insurance
This provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Flex.
Because many people only carry the minimum required liability limits (25/50/25 in Nebraska), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Comprehensive coverage (or Other than Collision)
This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like damage from getting keyed, a broken windshield and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Insurance for medical payments
Coverage for medical payments and/or PIP pay for bills for doctor visits, rehabilitation expenses and ambulance fees. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Get the best coverage at the most affordable price
You just learned some good ideas how to find affordable Ford Flex insurance in Omaha. The key concept to understand is the more times you quote, the better chance you’ll have of finding cheaper Omaha car insurance quotes. Consumers could even find that the lowest rates are with some of the lesser-known companies. They may often insure only within specific states and give better rates than their larger competitors like State Farm, GEICO and Nationwide.
Cheaper auto insurance in Omaha can be sourced from both online companies and from local insurance agents, so you should compare both to get a complete price analysis. Some insurance providers may not provide rates over the internet and most of the time these small, regional companies provide coverage only through independent insurance agents.
Even more information is located in these articles:
- Vehicle Safety Ratings (iihs.org)
- How Much are Car Insurance Quotes for a Ford Escape in Omaha? (FAQ)
- Who Has Affordable Omaha Auto Insurance Quotes for a Hyundai Santa Fe? (FAQ)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)