How to Save on Omaha Dodge Nitro Insurance

It’s an obvious statement that auto insurance companies don’t want you to look for cheaper rates. Consumers who get comparison quotes once a year will probably switch insurance companies because there are good odds of finding coverage at a more affordable price. A study discovered that consumers who compared prices regularly saved approximately $70 a month compared to those who don’t make a habit of comparing rates.

If finding the best rates on Dodge Nitro insurance is the reason you’re reading this, then having some knowledge of how to quote and compare cheaper coverage can help you succeed in finding affordable rates.

Truthfully, the best way to get budget car insurance rates is to start doing an annual price comparison from different companies that insure vehicles in Omaha. Prices can be compared by following these guidelines.

First, try to understand the coverage provided by your policy and the things you can control to prevent expensive coverage. Many things that result in higher rates such as speeding and a not-so-good credit history can be remedied by making minor changes in your lifestyle.

Second, compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive or Allstate, while independent agencies can provide rate quotes from multiple companies.

Third, compare the new rates to the price on your current policy to see if a cheaper rate is available. If you find a lower rate and buy the policy, make sure there is no lapse in coverage.

The most important part of this process is that you’ll want to compare identical limits and deductibles on every price quote and to quote with all possible companies. Doing this provides an accurate price comparison and maximum price selection.

If you are insured now or are shopping for new coverage, follow these tips to buy cheaper car insurance without sacrificing coverage. The purpose of this article is to teach you the best ways to compare prices and some tips to save money. Consumers just need to know the best way to get comparison rates from multiple carriers.

Auto insurance providers offering affordable prices in Nebraska

The companies shown below can provide price comparisons in Omaha, NE. To buy the best auto insurance in NE, we recommend you visit two to three different companies to find the cheapest auto insurance rates.

Dodge Nitro detailed coverage information

The coverage table shown next highlights estimates of insurance coverage prices for Dodge Nitro models. Understanding more about how auto insurance premiums are calculated is important for you to make informed decisions when comparing rate quotes.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Table data does not factor in specific garaging location which can affect rates substantially.

Physical damage deductibles

One of the more difficult decisions when buying insurance is which comprehensive and collision deductibles to buy. The data tables below help summarize the difference in cost between low and high coverage deductibles. The first set of rates uses a $100 deductible and the second pricing table uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rates do not factor in garaging location in Omaha which can alter coverage rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $19 more each month or $228 each year across all Dodge Nitro models than opting for the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 21 months between claims, you would probably come out ahead if you choose a higher deductible.

The diagram below shows how choosing a deductible and can increase or decrease Dodge Nitro insurance premiums for different insured age categories. The prices are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

Insurance prices based on gender

The example below illustrates the comparison of Dodge Nitro insurance premiums for male and female drivers. The rates are based on no accidents, no driving violations, comp and collision included, $1,000 deductibles, single status, and no discounts are applied to the premium.

Full coverage rates compared to liability-only

The chart below visualizes the comparison of Dodge Nitro insurance rates with liability coverage only compared to full coverage. The costs are based on no violations or accidents, $1,000 deductibles, drivers are single, and no discounts are applied.

When to drop comprehensive and collision coverage

There is no exact rule that is best for determining when to drop physical damage insurance, but there is a general guideline. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Dodge Nitro book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $4,000 after you pay the deductible. If premium cost is more than $400 annually for physical damage coverage, then you might consider buying liability only.

There are a few cases where dropping full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Lower rates by qualifying for discounts

The price of auto insurance can be rather high, but you may be missing some discounts that could help you make your next renewal payment. Some discounts apply automatically when you purchase, but once in a while a discount must be asked about before you get the savings.

• New Car Discount – Insuring a new Nitro can cost up to 25% less due to better safety requirements for newer vehicles.
• Military Discounts – Being on active deployment in the military may lower your auto insurance rates slightly.
• Theft Deterrent Discount – Cars and trucks with anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
• Auto/Home Discount – If you combine your auto and home policies with one insurance company you may earn at least 10% off all policies.
• Responsible Driver Discounts – Drivers who avoid accidents can pay as much as 50% less than drivers with accident claims.
• Senior Citizen Discount – If you qualify as a senior citizen, you can get a small decrease in premiums.
• Accident Waiver – This one isn’t a discount, but a handful of insurance companies allow you one accident before they charge you more for coverage with the catch being you have to be claim-free before the accident.
• Anti-lock Brakes – Cars equipped with ABS or steering control are much safer to drive and earn discounts up to 10%.
• Payment Method – By paying your entire bill at once instead of monthly or quarterly installments you could save up to 5%.

You should keep in mind that some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

The information below illustrates the difference between Dodge Nitro insurance costs with and without discounts applied to the rates. The premiums are based on a female driver, no claims or driving violations, Nebraska state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-car, homeowner, and multi-policy discounts applied.

Companies and some of the discounts include:

• State Farm offers premium reductions for accident-free, good driver, student away at school, Drive Safe & Save, and Steer Clear safe driver discount.
• American Family may have discounts that include early bird, defensive driver, good driver, Steer into Savings, and bundled insurance.
• GEICO may offer discounts for good student, anti-lock brakes, multi-vehicle, seat belt use, multi-policy, federal employee, and membership and employees.
• 21st Century offers discounts for theft prevention, homeowners, student driver, automatic seat belts, driver training, and air bags.
• Progressive has savings for online quote discount, multi-policy, good student, homeowner, and online signing.

Before buying, ask all companies you are considering which discounts you may be entitled to. Savings might not be offered in Omaha.

Find Dodge Nitro Insurance More Affordably

Smart consumers have a good feel for some of the things that go into determining the rates you pay for insurance. When you understand what determines premiums, this enables informed choices that can help you get big savings.

• Save miles and save money – The higher the miles on your Dodge each year the more you’ll pay to insure it. The majority of insurers charge to insure your cars based upon how much you drive. Cars and trucks that do not get driven very much can get a lower rate than vehicles that are driven to work every day. It’s a good idea to make sure your insurance declarations sheet is showing the right rating data. A policy that improperly rates your Nitro can result in significantly higher rates.
• Pay less with a high NHTSA crash test rating – Safe vehicles tend to have lower insurance rates. Vehicles engineered for safety reduce injuries and lower rates of occupant injuries means lower claim amounts passed on to you as lower rates. If your Dodge Nitro is rated at least four stars on Safercar.gov it is probably cheaper to insure.
• How much liability insurance – A critical coverage on your policy, liability insurance kicks in if a jury decides you are liable for an accident. Your policy’s liability insurance provides for a legal defense which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
• Save money with higher coverage deductibles – The deductibles you choose are the amount of money you are required to spend before a claim is paid by your company. Insurance for physical damage, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply could be colliding with a stationary object, fire damage, and damage from wind. The larger the amount you choose to pay out-of-pocket, the lower your rates will be.

When do I need to talk to an agent?

Many people would rather sit down with an agent and that is not a bad decision Good agents are trained risk managers and help file insurance claims. A nice benefit of comparing car insurance online is you may find cheap car insurance rates and still have a local agent. Buying from and supporting local agents is important especially in Omaha.

By using this form (opens in new window), the quote information is transmitted to local insurance agents in Omaha who want to provide quotes for your business. There is no need to drive around since price quotes are sent to the email address you provide. If you need to quote rates from a particular provider, you can always go to their quote page to submit a rate quote request.

If you would like to find a local Omaha insurance agent, there are two different types of agents that you can select. Agents are considered either independent or exclusive. Both do a good job, but it’s good to learn how they are different since it may influence which agent you choose.

Independent Agencies or Brokers

Independent agents do not work for one specific company so they have the ability to put coverage with multiple insurance companies and find the cheapest car insurance rates. If your premiums go up, they can switch companies in-house which requires no work on your part. If you are comparing car insurance prices, we recommend you get quotes from a couple of independent agencies to ensure the widest selection of prices. Most can insure with less well-known companies which may have better rates.

Shown below is a small list of independent insurance agencies in Omaha that can possibly get you price quotes.

• Elite Insurance Services, Inc.
  11909 P St #203 – Omaha, NE 68137 – (402) 691-8118 – View Map
• United Insurance Agencies and Affordable Auto Insurance
  1055 N 115th St #208 – Omaha, NE 68154 – (402) 492-8020 – View Map
• Omaha Division Insurance
  14792 Ray Sapp Dr – Omaha, NE 68138 – (402) 334-7087 – View Map

View more Omaha agents

Exclusive Agents

Agents that elect to be exclusive have only one company to place business with such as AAA, Allstate, State Farm, or Farmers Insurance. They are unable to shop your coverage around so they really need to provide good service. Exclusive agencies receive extensive training on their company’s products which helps them sell insurance even at higher premiums. Some people will only buy from exclusive agents mainly due to the brand legacy rather than having the cheapest rates.

Below are Omaha exclusive insurance agencies willing to provide price quotes.

• Tom Kaspar – State Farm Insurance Agent
  1722 N 120th St – Omaha, NE 68154 – (402) 493-0101 – View Map
• State Farm Insurance: Cory Juma
  15665 Harrison St K – Omaha, NE 68136 – (402) 891-6161 – View Map
• Anthony Anderson – State Farm Insurance Agent
  11204 Davenport St #200 – Omaha, NE 68154 – (402) 393-0300 – View Map

View more Omaha agents

Finding the right insurance agency requires more thought than just a cheap quote. Any agent in Omaha should have no problem answering these questions:

• Are they primarily personal or commercial lines agents in Omaha?
• Will your rates increase after a single accident?
• What companies can they write with?
• Will you work with the agent or an assistant?
• Will a damage claim use OEM or aftermarket replacement parts?
• Do they offer claims assistance after hours?
• Is the coverage adequate for your vehicle?
• Is working in the agency their full-time job?

Affordable car insurance is out there

Budget-friendly car insurance in Omaha can be bought from both online companies in addition to local insurance agencies, so get free Omaha auto insurance quotes from both of them in order to have the best chance of saving money. A few companies may not offer online rate quotes and many times these smaller providers work with independent agents.

Consumers switch companies for any number of reasons including delays in paying claims, poor customer service, being labeled a high risk driver or even extreme rates for teen drivers. Regardless of your reason for switching companies, switching car insurance companies is pretty simple and you could end up saving a buck or two.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut physical damage coverage and learned later that they should have had better coverage. The goal is to buy enough coverage for the lowest cost while not skimping on critical coverages.

Additional resources

• Things to Know Before you Cancel Insurance (Allstate)
• What Insurance is Cheapest for Seniors in Omaha? (FAQ)
• Who Has Affordable Auto Insurance Quotes for a Toyota Tacoma in Omaha? (FAQ)
• How Much are Car Insurance Quotes for State Employees in Omaha? (FAQ)
• How Much are Car Insurance Quotes for 4×4 Vehicles in Omaha? (FAQ)
• Who Has the Cheapest Car Insurance Rates for College Graduates in Omaha? (FAQ)
• How Much is Car Insurance for Drivers Over Age 50 in Omaha? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for Teachers in Omaha? (FAQ)
• Choosing an Insurance Company (Insurance Information Institute)
• Distracted Driving Extends Beyond Texting (State Farm)