How many times have you told yourself to find cheaper Honda CR-V insurance in Omaha? Trying to find low-cost insurance for a new or used Honda CR-V in Nebraska could be an all-consuming task, but you can learn our insurance buying tips to make it easier.
There are more efficient ways to shop for insurance and you need to know the proper way to compare rates for your Honda and locate the lowest possible price from both online companies and Omaha agents.
A recent insurance study discovered that a large majority of insurance policyholders in Nebraska have been with the same company for more than four years, and 38% of drivers have never compared rates from other carriers. With the average insurance premium being $1,847, U.S. drivers can save hundreds of dollars each year by just comparing rate quotes, but they underestimate how much money they would save if they swap their current policy for a cheaper one.
It’s smart to quote other rates at least once a year since prices trend upward over time. Even if you got the best price on Honda CR-V insurance in Omaha a couple years back you can probably find a better rate now. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in how to quote online to save on insurance.
Finding and buying the best-priced policy in Omaha is not as time-consuming as you think. If you’re already insured or just want cheaper coverage, you can learn to find better prices while maximizing coverage. Vehicle owners just have to use the most efficient way to buy insurance online.
Verify you’re applying every discount
Companies offering auto insurance do not advertise every discount available in an easy-to-find place, so we researched both the well known in addition to some of the lesser obvious savings tricks you should be using when you buy Omaha auto insurance online.
- Auto/Home Discount – If you can bundle your home and auto insurance with the same company they may give you a discount of over 10 percent off each policy depending on the company.
- Anti-lock Brake Discount – Vehicles that have anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
- Online Discount – Certain companies will provide an incentive for buying your policy over the internet.
- Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance too.
- Discount for Low Mileage – Low annual miles may allow you to get lower car insurance rates on the low mileage vehicles.
Discounts reduce rates, but you should keep in mind that some of the credits will not apply to your bottom line cost. The majority will only reduce specific coverage prices like medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, nobody gets a free ride. But any discount will cut your policy premiums.
The information below visualizes the comparison of Honda CR-V annual premium costs with and without discounts applied to the premium. The prices are based on a male driver, no accidents or driving violations, Nebraska state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, homeowner, multi-policy, and multi-car discounts applied.
Some of the larger companies who might offer these benefits may include but are not limited to:
Before purchasing a policy, check with every company to apply every possible discount. Some discounts might not apply in your state. For a list of companies with significant discounts in Nebraska, click this link.
Getting a cheap price on Honda CR-V insurance is pretty simple and can save money. Drivers just need to spend a little time getting comparison quotes to discover which company has affordable Honda CR-V insurance quotes.
The following companies can provide quotes in Nebraska. In order to find the best cheap car insurance in Omaha, we recommend you click on several of them to get the best price comparison.
Honda CR-V detailed coverage information
The coverage table shown below showcases a range of rate quotes for Honda CR-V models. Learning more about how car insurance prices are calculated can help guide drivers when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CR-V LX 2WD | $160 | $298 | $308 | $18 | $92 | $876 | $73 |
| CR-V EX 2WD | $160 | $298 | $308 | $18 | $92 | $876 | $73 |
| CR-V LX 4WD | $160 | $298 | $308 | $18 | $92 | $876 | $73 |
| CR-V EX 4WD | $184 | $298 | $308 | $18 | $92 | $900 | $75 |
| CR-V EX-L 2WD | $184 | $298 | $308 | $18 | $92 | $900 | $75 |
| CR-V EX-L 4WD | $184 | $298 | $308 | $18 | $92 | $900 | $75 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rates do not factor in vehicle location which can affect insurance rates substantially.
Honda CR-V insurance costs by age and gender
The chart below visualizes the comparison of Honda CR-V insurance costs for male and female drivers. The premiums assume no accidents, no driving violations, comp and collision included, $250 deductibles, marital status is single, and no discounts are taken into consideration.
Rate difference between full and liability-only coverage
The chart below shows the difference between Honda CR-V insurance prices with full physical damage coverage and with liability coverage only. The premiums are based on no tickets, no at-fault accidents, $500 deductibles, drivers are not married, and no other discounts are factored in.
When to drop comprehensive and collision
There is no exact formula of when to stop paying for physical damage insurance, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s say your Honda CR-V book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after the deductible is paid. If you are paying in excess of $600 annually for physical damage coverage, then it may be the right time to buy liability only.
There are some conditions where buying only liability insurance is not advised. If you still owe a portion of the original loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.
When should I have guidance from an agent?
Many drivers still like to sit down and talk to an agent and that is a smart decision Most agents are trained risk managers and give you someone to call. A good thing about comparing rate quotes online is the fact that you can find better rates but also keep your business local. And supporting local insurance agents is important especially in Omaha.
To find an agent, once you fill out this short form, the quote information is transmitted to insurance agents in Omaha who want to provide quotes and help you find cheaper coverage. There is no need to search for any insurance agencies since rate quotes are delivered to your email. If you have a need to get a comparison quote from a particular provider, you can always find their quoting web page and give them your coverage information.
If you are wanting to purchase insurance from a reputable insurance agent or broker, you must know there are a couple types of agencies that you can select. Insurance agents in Omaha may be either exclusive or independent. Either one can properly insure your vehicles, but we need to point out why they differ because it may have an impact on your selection of an agent.
Independent Insurance Agencies
Independent agencies often have many company appointments so as a result can place your coverage with a variety of different insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply switch companies in-house which makes it simple for you.
If you are comparing insurance prices, you need to get several quotes from several independent insurance agents to maximize your price options. Most also have access to additional companies that you may not be familiar with which could offer lower prices.
Shown below are Omaha independent insurance agents that can possibly get you comparison quotes.
- Southwell Insurance Agency, LLC.
2809 S 160th St #307 – Omaha, NE 68130 – (402) 493-6940 – View Map - AA Brokers Insurance Agency Inc.
2214 N 90th Plaza – Omaha, NE 68134 – (402) 392-1930 – View Map - Jensen Insurance
16909 Burke St #125 – Omaha, NE 68118 – (402) 391-5100 – View Map
Exclusive Agents
Agents that elect to be exclusive can only provide pricing for a single company and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to provide rate quotes from other companies so it’s a take it or leave it situation. They receive a lot of sales training on sales techniques and that enables them to sell even at higher rates. Consumers often use the same agent primarily because of the prominent brand name rather than low price.
The following are exclusive insurance agencies in Omaha that are able to give comparison quotes.
- State Farm® insurance – Cort Bonner
3125 N 120th St – Omaha, NE 68164 – (402) 934-4141 – View Map - Aaron Stockton – State Farm Insurance Agent
1411 N 72nd St – Omaha, NE 68114 – (402) 551-3455 – View Map - American Family Insurance – John Cuenca
4601 S 50th St Ste 306 – Omaha, NE 68117 – (402) 614-5004 – View Map
Picking the best auto insurance agent requires more thought than just the price. Here are some questions to ask:
- Can glass claims be handled at your home?
- Are there any discounts for paying up front?
- What company do they have the most business with?
- Will one accident increase rates?
- When do they do policy reviews?
- Is the agency involved in supporting local community causes?
- If your car is totaled, how to they determine the replacement cost?
- Which insurance companies are they affiliated with?
If you get reasonable responses to these questions and locked in a price quote, most likely you have located an insurance agency that meets your needs to provide insurance coverage. Just be aware that you are able to cancel a policy any time you want so don’t think that you are permanently stuck with a specific agent for the full term.
Omaha car insurance companies
Selecting a good quality insurance provider can be rather challenging considering how many choices there are in Nebraska. The company rank data listed below could help you analyze which providers you want to consider when comparing rate quotes.
Top 10 Omaha Car Insurance Companies Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- GEICO
- Safeco Insurance
- Mercury Insurance
- Esurance
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
Having a good grasp of car insurance helps when choosing which coverages you need for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.
Collision coverage – Collision insurance covers damage to your CR-V resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims such as crashing into a ditch, rolling your car, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible on your CR-V to bring the cost down.
UM/UIM Coverage – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Honda CR-V.
Since many Nebraska drivers carry very low liability coverage limits (25/50/25), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.
Liability insurance – This protects you from injuries or damage you cause to other’s property or people by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.
Liability can pay for claims like emergency aid, court costs and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford. Nebraska requires drivers to carry at least 25/50/25 but drivers should carry higher limits.
The next chart demonstrates why minimum state limits may not provide you with enough coverage.
Medical costs insurance – Med pay and PIP coverage pay for short-term medical expenses like doctor visits, prosthetic devices, hospital visits and dental work. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like damage from flooding, damage from getting keyed, falling objects and a broken windshield. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Persistence pays off
In this article, we covered a lot of information how to reduce Honda CR-V insurance prices online in Omaha. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest prices come from an unexpected company.
Cheaper Honda CR-V insurance in Omaha can be bought from both online companies and from local agencies, so you should compare both to have the best selection. There are still a few companies who may not provide internet price quotes and these small insurance companies provide coverage only through independent agents.
People change insurance companies for a number of reasons such as questionable increases in premium, delays in paying claims, poor customer service or lack of trust in their agent. Regardless of your reason for switching companies, choosing a new company is pretty easy and you might even save some money in the process.
Steps to finding low-cost Honda CR-V insurance in Omaha
The most effective way to find the cheapest price for car insurance rates in Omaha is to make a habit of comparing prices annually from providers who sell auto insurance in Nebraska. Rates can be compared by following these steps.
- Try to comprehend how companies price auto insurance and the measures you can take to keep rates down. Many things that are responsible for high rates like traffic violations, accidents, and your credit history can be amended by improving your driving habits or financial responsibility.
- Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive or Farmers Insurance, while independent agents can give you price quotes for a wide range of companies. View insurance agents
- Compare the new quotes to your existing policy to see if a cheaper rate is available. If you can save money, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Tell your current agent or company to cancel your existing policy and submit a completed application and payment to the newly selected company. Immediately upon receiving it, place your new proof of insurance certificate above your visor, in the console, or in the glove compartment.
One important bit of advice is to make sure you enter the same amount of coverage on each price quote and and to get rate quotes from as many companies as possible. Doing this provides a level playing field and a complete price analysis.
Helpful resources
- Senior Drivers (Insurance Information Institute)
- What Insurance is Cheapest for a Toyota Highlander in Omaha? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Veterans in Omaha? (FAQ)
- What Auto Insurance is Cheapest for First-time Drivers in Omaha? (FAQ)
- Understanding Rental Car Insurance (Insurance Information Institute)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Choosing an Insurance Company (Insurance Information Institute)
- Safety Tips for Teen Drivers (Insurance Information Institute)