Frustrated by the wide range of car insurance companies in Omaha? Many other drivers are as well. Nebraska vehicle owners have such a large number of options that it can be a lot of work to find the lowest price for Mazda 3 insurance in Omaha. If you live there, you know that Omaha is a great city to raise a family in, but getting gouged by high car insurance rates can make it very difficult to afford enough coverage.
How to find low-cost rates for Mazda 3 insurance in Omaha
If you want to find the absolute lowest rates, then the best way to get affordable auto insurance rates is to start comparing rates regularly from insurers in Omaha. Price quotes can be compared by following these steps.
- First, try to learn a little about how insurance works and the factors you can control to prevent expensive coverage. Many rating factors that drive up the price such as at-fault accidents, speeding tickets, and poor credit can be controlled by making lifestyle changes or driving safer.
- Second, compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or State Farm, while independent agents can provide price quotes for many different companies.
- Third, compare the new rate quotes to the premium of your current policy to see if a cheaper rate is available in Omaha. If you find a lower rate quote, ensure there is no coverage lapse between policies.
- Fourth, notify your current company of your intent to cancel your current coverage and submit the completed application along with a down payment for the new policy. Don’t forget to keep the new proof of insurance paperwork somewhere easily accessible.
The most important part of this process is to compare the same level of coverage on every quote request and and to get price estimates from as many companies as possible. Doing this guarantees a fair rate comparison and the best price quote selection.
It’s an obvious assumption that car insurance companies want to keep your business as long as possible. Consumers who shop around at least once a year are highly likely to move their business because there are good odds of finding lower rate quotes. A recent survey revealed that people who make a habit of shopping around saved $865 annually compared to policyholders who don’t make a habit of comparing rates.
If finding the cheapest price on auto insurance in Omaha is your target objective, understanding how to choose a company and compare insurance premiums can help you be more efficient.
The quickest way to get policy rate comparisons for Mazda 3 insurance in Omaha takes advantage of the fact most insurance companies actually pay money for the chance to provide you with a free rate quote. To start a quote, the only thing you need to do is give them rating details like the type of vehicles you drive, what your job is, if you require a SR-22, and driver ages. Your details is submitted instantly to insurance companies and they return cost estimate very quickly.
To compare rates for your Mazda 3 now, click here and complete the quick form.
The following companies offer quotes in Omaha, NE. To buy the cheapest car insurance in Omaha, we recommend you visit several of them to get the best price comparison.
Mazda 3 detailed coverage information
The price information shown below outlines a range of rate quotes for Mazda 3 models. Learning more about how insurance prices are figured can benefit drivers when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $124 | $240 | $338 | $20 | $102 | $824 | $69 |
| 3 I SV 4-Dr Sedan | $124 | $240 | $338 | $20 | $102 | $824 | $69 |
| 3 I Touring 4-Dr Sedan | $124 | $284 | $338 | $20 | $102 | $868 | $72 |
| 3 S Sport 4-Dr Hatchback | $138 | $284 | $338 | $20 | $102 | $882 | $74 |
| 3 S Sport 4-Dr Sedan | $138 | $284 | $338 | $20 | $102 | $882 | $74 |
| 3 S Grand Touring 4-Dr Hatchback | $138 | $284 | $338 | $20 | $102 | $882 | $74 |
| 3 S Grand Touring 4-Dr Sedan | $138 | $284 | $338 | $20 | $102 | $882 | $74 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium amounts do not factor in specific Omaha garaging location which can raise or lower auto insurance rates considerably.
Poor driving habits will raise your auto insurance rates
The diagram below demonstrates how speeding tickets and at-fault fender-benders can influence Mazda 3 insurance costs for different age groups of insureds. The data assumes a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
Comparison of auto insurance rates by age and gender in Omaha
The example below illustrates the difference between Mazda 3 insurance rates for male and female drivers. The costs are based on no claims, a clean driving record, full physical damage coverage, $250 deductibles, single status, and no additional discounts are factored in.
How much more does full coverage cost in Omaha?
The illustration below shows the difference between Mazda 3 car insurance costs with full physical damage coverage and with liability coverage only. The premiums assume no violations or accidents, $500 deductibles, single status, and no discounts are factored in.
When to stop buying full coverage
There is no set guideline to exclude physical damage insurance, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then it could be time to drop full coverage.
For example, let’s say your Mazda 3 replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after paying the physical damage deductible. If it’s costing in excess of $800 a year for physical damage coverage, then you may need to consider dropping full coverage.
There are some situations where eliminating full coverage is not a good plan. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not eliminate full coverage.
Insurance is not optional
Despite the potentially high cost of Mazda 3 insurance, insurance serves several important purposes.
- Almost all states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance coverage in order to get the vehicle licensed. 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 your vehicle has a lienholder, almost all lenders will make it mandatory that you buy full coverage to guarantee loan repayment. If you let the policy lapse, the bank will be required to insure your Mazda for a much higher rate and force you to pay the higher premium.
- Insurance preserves both your assets and your car. It also can pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to repair the damage.
The benefits of insuring your 3 more than cancel out the cost, particularly if you ever have a claim. As of last year, the average driver in Nebraska is wasting up to $825 a year so it’s recommended you shop around at every renewal to be sure current rates are still competitive.
Determine discounts on Omaha insurance
Insurance is expensive, but discounts can save money and there are some available to help bring down the price. Some trigger automatically at the time of purchase, but less common discounts must be manually applied before you will receive the discount. If you are not receiving all the discounts possible, it’s possible you qualify for a lower rate.
- Defensive Driving Course – Completing a course that instructs on driving safety may get you a small discount depending on where you live.
- Government Employee Discount – Simply working for the federal government could qualify for a slight premium decrease with certain companies.
- Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts could save 15% off the medical payments premium.
- Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you may have a lower total premium amount.
- Multi-line Discount – Some insurance companies give a small discount if you purchase a life policy as well.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it will make them better drivers and lower rates.
- Telematics Discount – People who choose to allow their company to scrutinize driving patterns by using a telematics device such as Progressive’s Snapshot may see discounts if they have good driving habits.
- Student Discounts – Being a good student can get you a discount of up to 25%. The discount lasts up to age 25.
- Air Bag Discount – Vehicles equipped with air bags can get savings of 25 to 30%.
Consumers should know that some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like you could get a free insurance policy, companies wouldn’t make money that way.
The chart below shows the comparison of Mazda 3 insurance rates with and without discounts applied to the premium. Data assumes a male driver, no claims or driving citations, 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 safe-driver, marriage, multi-car, claim-free, homeowner, and multi-policy discounts applied.
A list of companies and the discounts they provide can be found below.
- State Farm policyholders can earn discounts including driver’s education, safe vehicle, multiple autos, defensive driving training, Steer Clear safe driver discount, multiple policy, and anti-theft.
- American Family discounts include mySafetyValet, multi-vehicle, accident-free, early bird, defensive driver, and bundled insurance.
- AAA includes discounts for education and occupation, good student, AAA membership discount, anti-theft, and multi-policy.
- GEICO may include discounts for emergency military deployment, membership and employees, federal employee, multi-policy, good student, seat belt use, and five-year accident-free.
- Mercury Insurance may have discounts that include multi-policy, anti-theft, age of vehicle, accident-free, and low natural disaster claims.
- Farmers Insurance offers premium reductions for early shopping, pay in full, teen driver, bundle discounts, and homeowner.
- Progressive has discounts for homeowner, continuous coverage, online signing, online quote discount, good student, multi-vehicle, and multi-policy.
If you want low cost Omaha car insurance quotes, ask each company which discounts they offer. Some credits may not apply to policies everywhere. To locate insurers who offer insurance discounts in Nebraska, follow this link.
Local Omaha car insurance agents
A lot of people would rather get professional advice from a licensed agent and that is OK! The best thing about comparing rates online is you may find the best rates and still have an agent to talk to. Buying from and supporting local agents is especially important in Omaha.
Upon completion of this form (opens in new window), your coverage information is transmitted to insurance agents in Omaha who will gladly provide quotes for your car insurance coverage. You won’t even need to drive around because prices are sent to the email address you provide. You can find better rates AND a local agent. If you want to compare prices from a specific insurance company, you just need to visit that company’s website and complete a quote there.
When narrowing the list to find a local Omaha insurance agency, it’s important to understand the different agency structures and how they are slightly different. Car insurance agencies may be either independent agents or exclusive agents.
Independent Car Insurance Agents
Agents that choose to be independent are not employed by one company and that enables them to quote your coverage with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply move your policy to a different company and that require little work on your part.
When comparing car insurance rates, you will want to get quotes from a couple of independent agencies to have the most options to choose from. Many independent agencies also insure through less well-known companies which can be an advantage.
Listed below is a short list of independent insurance agents in Omaha that can give you rate quotes.
- Accredited Insurance Group, Inc.
11347 Davenport St – Omaha, NE 68154 – (402) 334-1780 – View Map - New Frontier Insurance
3637 S 24th St – Omaha, NE 68108 – (402) 731-2505 – View Map - Nia Insurance Agency Inc
2816 N 24th St – Omaha, NE 68110 – (402) 779-8999 – View Map
Exclusive Agents
These type of agents normally can only provide a single company’s rates and some examples include American Family, State Farm, and AAA. Exclusive agents cannot provide prices from multiple companies so they really need to provide good service. Exclusive agents receive a lot of sales training in insurance sales which helps them sell on service rather than price. Consumers often purchase coverage from exclusives mainly due to the brand name and strong financial ratings.
Below is a short list of exclusive insurance agencies in Omaha who can help you get price quotes.
- Tommy Hughes Jr – State Farm Insurance Agent
1321 Jones St #104 – Omaha, NE 68102 – (402) 346-1011 – View Map - Tim Edwards – State Farm Insurance Agent
6550 S 84th St #200 – Omaha, NE 68127 – (402) 331-0112 – View Map - Steve Skidmore – State Farm Insurance Agent
17525 Gold Plaza #105 – Omaha, NE 68130 – (402) 330-9200 – View Map
Selecting a auto insurance agent needs to be determined by more than just the quoted price. The questions below may impact your decision as well.
- How long has their agency been in business in Omaha?
- If your car is totaled, how to they determine the replacement cost?
- How much experience to they have in personal lines coverages?
- If independent agents, which companies do they recommend?
- Do they offer rental car reimbursement?
Car insurance coverages explained
Learning about specific coverages of car insurance can be of help when determining which coverages you need for your vehicles. Car insurance terms can be ambiguous and reading a policy is terribly boring.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance pay for immediate expenses like hospital visits, pain medications and prosthetic devices. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
Comprehensive auto coverage
This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like hitting a deer, damage from flooding, a broken windshield, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Mazda 3.
Since a lot of drivers carry very low liability coverage limits (25/50/25), their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.
Coverage for liability
This will cover damage that occurs to other’s property or people. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.
Liability can pay for things like court costs, funeral expenses, repair costs for stationary objects, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford. Nebraska state minimum liability requirements are 25/50/25 but you should think about purchasing more liability than the minimum.
The chart below demonstrates why buying minimum limits may not be enough coverage.
Coverage for collisions
Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.
Collision coverage pays for things like backing into a parked car, sustaining damage from a pot hole, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible on your 3 in order to get cheaper collision rates.
Auto insurance companies ranked
Selecting the highest-rated auto insurance company can be rather challenging considering how many different companies insure vehicles in Omaha. The company rank data displayed below could help you choose which car insurance companies you want to consider comparing rates with.
Top 10 Omaha Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Allstate
One last note
Insureds leave their current company for any number of reasons including not issuing a premium refund, high prices, questionable increases in premium and even lack of trust in their agent. No matter why you want to switch, switching companies is not as hard as you think.
Affordable Mazda 3 insurance in Omaha can be sourced online and also from your neighborhood Omaha agents, and you should be comparing both to get a complete price analysis. Some companies may not have online rate quotes and most of the time these smaller providers work with independent insurance agents.
You just read many ways to find lower-cost Mazda 3 insurance in Omaha. The most important thing to understand is the more rate quotes you have, the higher your chance of finding affordable Omaha car insurance quotes. You may even discover the lowest priced auto insurance comes from some of the smallest insurance companies.
How to buy low-cost Mazda 3 insurance in Omaha
If your goal is the lowest price, then the best way to get affordable Mazda 3 insurance is to start comparing rates regularly from companies who can sell car insurance in Omaha.
- Try to comprehend how insurance works and the things you can control to keep rates down. Many policy risk factors that increase rates such as at-fault accidents, careless driving, and an imperfect credit rating can be amended by making minor driving habit or lifestyle changes.
- Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like Progressive and State Farm, while agents who are independent can provide price quotes for a wide range of companies.
- Compare the new rates to the premium of your current policy and determine if cheaper 3 coverage is available in Omaha. If you find a lower rate, verify that coverage does not lapse between policies.
- Give notification to your agent or company of your decision to cancel your current coverage and submit a completed application and payment for the new coverage. Once received, put the proof of insurance certificate along with the vehicle’s registration papers.
A good tip to remember is to use the same liability limits and deductibles on each quote request and and to get price quotes from as many car insurance companies as possible. Doing this guarantees a fair rate comparison and the most accurate and complete price analysis.
More detailed auto insurance information can be found in these articles:
- Insuring a Leased Car (Insurance Information Institute)
- Who Has Affordable Omaha Auto Insurance for a Ford F-150? (FAQ)
- Who Has Affordable Auto Insurance for Low Income Drivers in Omaha? (FAQ)
- How Much is Omaha Auto Insurance for Business Use? (FAQ)
- Who Has Cheap Omaha Auto Insurance Rates for Nurses? (FAQ)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Things to Know Before you Cancel Insurance (Allstate)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- How to Avoid Staged Accidents (State Farm)