It’s safe to assume that car insurance companies want to keep you from comparing rates. Insureds who compare rates once a year will, in all likelihood, buy a different policy because of the high probability of finding more affordable rates. A study discovered that consumers who routinely shopped around saved an average of $865 a year compared to other drivers who didn’t regularly shop around.
If finding the best rates on insurance in Omaha is your target objective, then learning about the best ways to shop for coverages can make it easier to shop your coverage around.
It takes a few minutes, but the best way to find low-cost car insurance rates in Omaha is to start doing an annual price comparison from different companies that insure vehicles in Nebraska.
- First, learn about individual coverages and the things you can control to prevent expensive coverage. Many factors that increase rates like speeding tickets, careless driving and an imperfect credit history can be controlled by paying attention to minor details. Read the full article for more ideas to get affordable coverage and find missing discounts.
- Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from a single company like GEICO and State Farm, while independent agencies can provide rate quotes from multiple insurance companies. Begin your rate comparison
- Third, compare the price quotes to the price on your current policy to see if a cheaper price is available. If you can save money and decide to switch, make sure coverage does not lapse between policies.
- Fourth, give notification to your current company to cancel your current car insurance policy. Submit a down payment and signed policy application to the new company. When you receive it, place your new proof of insurance certificate in an easily accessible location.
One thing to remember is to try to compare the same physical damage deductibles and liability limits on every price quote and and to look at as many companies as possible. Doing this guarantees a fair rate comparison and the best price quote selection.
Finding the cheapest coverage in Omaha is quite easy if you know the best way to do it. Practically every person who is overpaying for car insurance should buy a cheaper policy. Although Nebraska car owners do need to know how big insurance companies calculate your car insurance rates and use it to find better rates.
Save money on Infiniti EX35 insurance in Omaha with these car insurance discounts
Not many people think insurance is cheap, but you can get discounts that may help make it more affordable. Most are applied at quote time, but some discounts are required to be requested specifically prior to receiving the credit.
- Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
- Passenger Safety Discount – Vehicles equipped with air bags can receive discounts of 20% or more.
- Multi-line Discount – Some companies give a lower price if you buy auto and life insurance together.
- Discount for New Cars – Putting insurance on a new EX35 can be considerably cheaper since newer vehicles are generally safer.
- Homeowners Savings – Being a homeowner can earn you a little savings because of the fact that having a home requires personal responsibility.
Policy discounts save money, but some of the credits will not apply to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.
The illustration below illustrates the difference between Infiniti EX35 car insurance rates with and without discounts applied to the policy rates. The prices are based on a female driver, a clean driving record, no at-fault accidents, Nebraska state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-policy, homeowner, multi-car, and safe-driver discounts applied.
Auto insurance companies who might offer some of the discounts shown above possibly include:
If you need affordable Infiniti EX35 insurance quotes, ask all companies you are considering how many discounts you can get. A few discounts may not apply to policies in every state. To see providers that can offer you the previously mentioned discounts in Nebraska, click here.
Most major insurance companies such as State Farm, GEICO and Progressive allow you to get prices online. Getting quotes for Infiniti EX35 insurance in Omaha is quite simple as you simply enter the coverages you want into the form. Upon sending the form, their quoting system gets your driving and credit reports and quotes a price.
Using the web to get rates for Infiniti EX35 insurance in Omaha makes it easy to compare insurance prices and it is imperative to compare as many rates as possible in order to get the most affordable insurance rates.
To quickly get comparison pricing now, check out the insurance providers below. If you have coverage now, it’s recommended you type in coverages and limits as close as possible to your current policy. This way, you will have a price comparison for the exact same coverage.
The auto insurance companies shown below are our best choices to provide comparison quotes in Omaha, NE. To buy the best car insurance in Omaha, it’s highly recommended you visit two to three different companies in order to find the lowest rates.
Premium rates and analysis
The premium table below highlights estimates of coverage costs for Infiniti EX35 models. Understanding more about how auto insurance premiums are established can benefit drivers when making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| EX35 AWD | $224 | $524 | $282 | $16 | $84 | $1,130 | $94 |
| EX35 Journey | $224 | $524 | $282 | $16 | $84 | $1,130 | $94 |
| EX35 | $224 | $524 | $282 | $16 | $84 | $1,130 | $94 |
| EX35 AWD Journey | $250 | $524 | $282 | $16 | $84 | $1,156 | $96 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Estimates do not factor in specific Omaha garaging location which can decrease or increase coverage prices considerably.
The illustration below highlights how deductible choice and can change Infiniti EX35 insurance premiums for different age groups. The prices are based on a married male driver, comp and collision included, and no other discounts are factored in.
Male drivers versus female drivers
The diagram below shows the comparison of Infiniti EX35 auto insurance rates for male and female drivers. The costs are based on no accidents, no driving violations, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.
Do you need full coverage?
The information below shows the comparison of Infiniti EX35 insurance prices with and without full coverage. The rates are based on no claims, a clean driving record, $250 deductibles, single marital status, and no discounts are factored in.
Should you buy full coverage or liability only?
There is no definitive formula to drop full coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Infiniti EX35 claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after paying the physical damage deductible. If premiums are more than $500 annually for your policy with full coverage, then it might be time to consider dropping full coverage.
There are some situations where buying only liability insurance is not a good idea. If you haven’t satisfied your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Omaha Insurance Rates are Influenced by These Factors
Multiple criteria are considered when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but other factors are more obscure such as whether you are married or how safe your car is.
Your age impacts your rates – Young drivers in Nebraska have a tendency to be more careless when behind the wheel and because of this, their car insurance rates are much higher. Older insureds are shown to be more cautious, tend to file fewer claims, and get fewer tickets.
The data below assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.
Careless drivers pay higher prices – Having a single moving violation may cause rates to rise by twenty percent. Careful drivers get better rates compared to drivers with tickets. Drivers unfortunate enough to have flagrant violations such as reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
The chart below shows how speeding tickets and at-fault collisions can affect Infiniti EX35 car insurance costs for different age groups. The premiums are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
Little extras can really add up – There are a ton of extra bells and whistles that can add up if you aren’t diligent. Insurance for things like coverage for rental cars, towing, and motor club memberships may be wasting your money. You may think they are a good idea at first, but if you don’t need them remove them from your policy.
A car insurance policy lapse can increase car insurance rates – Not having insurance is not a good idea and companies may charge more for letting your insurance lapse for non-payment. And not only will your rates increase, being ticketed for driving with no insurance could earn you fines or a revoked license.
Know your credit rating – Having a bad credit rating will be a significant factor in determining what you pay for car insurance. So if your credit can be improved, you could pay less to insure your Infiniti EX35 if you improve your credit rating. Drivers with good credit tend to be better risks to insure than drivers who have bad credit.
Lower rates with alarms and GPS tracking – Choosing to buy a car with a theft deterrent system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop your vehicle from being stolen.
Pay more for higher performance vehicles – The performance level of the car you need to insure makes a significant difference in how high your rates are. Lower performance four cylinder passenger cars generally have the cheapest insurance rates, but many other things help determine your insurance rates.
The following data uses these variables: single female driver age 30, full coverage with $250 deductibles, and no discounts or violations. The chart compares Infiniti EX35 rates compared to other models of vehicles that have a range of performances.
Costs impacted by your city – Living in a rural area is a positive aspect when talking about car insurance. Residents of big cities regularly have more aggressive driving styles and longer commutes to work. Fewer people translates into fewer accidents.
How to know if you need help
When it comes to choosing coverage online or from an agent for your personal vehicles, there really isn’t a best way to insure your cars. Your financial needs are unique and your policy should reflect that. These are some specific questions might help in determining if your insurance needs might need an agent’s assistance.
- Who sells insurance for high-risk drivers?
- If I use my vehicle for business use is it covered?
- Should I pay a claim out-of-pocket?
- Is a new car covered when I drive it off the dealer lot?
- What are the best liability limits?
- Are rock-chip repairs free?
- Can my teen drive my company car?
- Does coverage extend to Mexico or Canada?
If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.
Do I need a local insurance agent?
A lot of people prefer to talk to a local agent and that is a personal choice. One of the benefits of comparing rates online is you can get cheap rate quotes and still have a local agent.
After filling out this form (opens in new window), your insurance data is sent to local insurance agents in Omaha that give free quotes for your coverage. You don’t have to find an agent on your own due to the fact that quote results will go directly to you. You’ll get the best rates AND an agent nearby. If you need to quote rates from a specific insurance company, you just need to go to their quote page to submit a rate quote request.
Choosing an company requires you to look at more than just a cheap price. Before buying a policy in Omaha, get answers to these questions.
- Are they in the agency full-time?
- Do they specialize in personal lines coverage in Omaha?
- Does the agency have a good rating with the Better Business Bureau?
- Will you work with the agent or an assistant?
- Can you get a list of referrals?
- Will you get a loaner vehicle if you car is being repaired?
- If you have an accident, will your rates go up?
Exclusive agents vs. Independent agents
When narrowing the list to find a reputable insurance agent or broker, it can be helpful to understand the different types of agencies and how they work. Agencies in Omaha can either be exclusive agents or independent agents.
Exclusive Auto Insurance Agencies
These agents have only one company to place business with such as State Farm, AAA, Farmers Insurance or Allstate. They are unable to give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. They are very knowledgeable on sales techniques which helps them sell insurance even at higher premiums. Some insured continue to buy from the same agent for years primarily because of the brand legacy rather than having low rates.
Shown below is a list of exclusive agencies in Omaha that can give you comparison quotes.
- Farmers Insurance – Lance Juett
2708 S 114th St – Omaha, NE 68144 – (402) 315-1554 – View Map - State Farm® insurance – Beau Iske
13829 Millard Ave – Omaha, NE 68137 – (402) 895-4424 – View Map - Sherman Willis – State Farm Insurance Agent
4915 N 120th St Ste 107 – Omaha, NE 68164 – (402) 493-1000 – View Map
Independent Agents
Agents of this type can sell policies from many different companies so they can quote policies with a variety of different insurance companies enabling the ability to shop coverage around. If premiums increase, your agent can switch companies and you don’t have to switch agencies. If you are comparing auto insurance prices, it’s a good idea to contact several independent agencies so that you can do a thorough price comparison. Most have the option of insuring with smaller mutual companies which may provide better rates.
The following are Omaha independent insurance agents who can help you get rate quotes.
- N P Dodge Insurance
8701 W Dodge Rd #100 – Omaha, NE 68114 – (402) 938-5008 – View Map - New Frontier Insurance
3637 S 24th St – Omaha, NE 68108 – (402) 731-2505 – View Map - Elite Insurance Services, Inc.
11909 P St #203 – Omaha, NE 68137 – (402) 691-8118 – View Map
Three main reasons to buy car insurance
Despite the high cost of buying insurance for a Infiniti EX35 in Omaha, maintaining insurance is most likely required but also gives you several important benefits.
- The majority of states have mandatory liability insurance requirements which means the state requires a minimum amount of liability in order to be legal. 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 took out a loan on your EX35, more than likely the lender will require you to have comprehensive coverage to guarantee their interest in the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your Infiniti at a more expensive rate and make you pay the higher price.
- Car insurance protects both your Infiniti EX35 and your assets. It will also pay for medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if anyone sues you for causing an accident. If you have damage to your Infiniti as the result of the weather or an accident, comprehensive and collision coverage will pay to repair the damage.
The benefits of insuring your EX35 are definitely more than the cost, especially with large liability claims. Despite what companies tell you, the average driver is overpaying over $865 each year so we recommend shopping around each time the policy renews to be sure current rates are still competitive.
Compare. Compare. Compare.
Throughout this article, we presented many tips how you can save on Infiniti EX35 insurance in Omaha. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even find the best price on car insurance is with some of the smallest insurance companies. Some small companies often have lower rates on specific markets than their larger competitors like State Farm and Allstate.
As you quote Omaha auto insurance, you should never skimp on coverage in order to save money. In many instances, an insured cut comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. The proper strategy is to get the best coverage possible at the best possible price, but do not skimp to save money.
More tips and info about car insurance is available in the articles below:
- Anti-Lock Brake FAQ (iihs.org)
- Who Has Affordable Omaha Auto Insurance for a Ford F-150? (FAQ)
- Who Has Affordable Omaha Car Insurance Quotes for 16 Year Olds? (FAQ)
- How Much is Auto Insurance for a GMC Sierra in Omaha? (FAQ)
- What Insurance is Cheapest for a Toyota Highlander in Omaha? (FAQ)
- Who Has Cheap Omaha Auto Insurance Rates for Nurses? (FAQ)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Eight Auto Insurance Myths (Insurance Information Institute)