Having to pay for overpriced car insurance in Omaha can take a big chunk out of your bank account and force you to make tough financial choices. Comparing rate quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.
A recent survey discovered that 70% of consumers have stayed with the same insurance company for four years or more, and almost half have never even compared quotes to find affordable rates. Omaha drivers could save themselves approximately 30% a year, but they feel it’s too difficult to find affordable car insurance rates.
Companies like Progressive, State Farm and GEICO continually bombard you with fancy advertisements and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.
It’s important to compare prices on a regular basis since insurance prices are variable and change quite frequently. If you had the best deal on Ford Fusion insurance in Omaha a couple years back a different company probably has better premium rates today. There are lots of tips to save on Fusion insurance online but in this article, you’re going to get some guaranteed methods to lower your car insurance bill.
If you have insurance now, you will most likely be able to get lower rates using the techniques presented in this article. Locating the best rates in Omaha is really quite easy. But Nebraska car owners must understand the way companies market on the web because rates fluctuate considerably.
Most major insurance companies like 21st Century, Allstate and State Farm allow consumers to get prices for coverage direct online. Doing online price comparisons for Ford Fusion insurance in Omaha is very simple because it’s just a matter of typing in the coverage amounts you desire into the form. Behind the scenes, the system automatically retrieves reports for credit and driving violations and returns pricing information. The ability to get online rate quotes for Ford Fusion insurance in Omaha makes comparing rates easy, and it’s absolutely necessary to perform this step in order to find the cheapest price possible.
If you want to find out how much you can save on auto insurance, check out the auto insurance providers below. To compare your current rates, we recommend you replicate the limits and deductibles identical to your current policy. This makes sure you are getting comparison quotes based on similar coverages.
The car insurance companies shown below are ready to provide quotes in Nebraska. If you wish to find cheaper auto insurance in Nebraska, we suggest you compare several of them in order to get a fair rate comparison.
Get cheaper rates by taking advantage of discounts
Not many people think insurance is cheap, but you may be missing some discounts that may help make it more affordable. Many discounts should be triggered at the time of quoting, but less common discounts must be asked about before they will apply. If you do not double check each discount available, you are not getting the best rate possible.
- Air Bag Discount – Options like air bags and/or automatic seat belt systems could see savings of 25 to 30%.
- Employee of Federal Government – Federal government employees can earn a discount up to 10% with select insurance companies.
- Savings for New Vehicles – Adding a new car to your policy can save you some money because new vehicles keep occupants safer.
- Professional Organizations – Having an affiliation with qualifying employment or professional organizations could earn you a nice discount when shopping for auto insurance.
- Early Signing – A few insurance companies allow discounts for signing up early. You can save around 10% with this discount.
- ABS Braking Discount – Cars that have anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
- Omaha Homeowners Discount – Owning your own home or condo may trigger a policy discount on auto insurance because it is proof that your finances are in order.
- Discounts for Cautious Drivers – Accident-free drivers can save as much as half off their rates than drivers with accidents.
- Driver’s Ed – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it can save substantially.
- Telematics Devices – Insureds that choose to allow data collection to study driving habits by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease as long as they are good drivers.
Discounts lower rates, but some of the credits will not apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.
The illustration below illustrates the comparison of Ford Fusion insurance costs with and without discounts being applied to the rates. The data assumes a female driver, no accidents or driving violations, Nebraska state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, multi-policy, safe-driver, and marriage discounts applied.
The best auto insurance companies and some of their more popular discounts can be read below.
- GEICO may include discounts for good student, multi-policy, membership and employees, seat belt use, and federal employee.
- MetLife includes discounts for good student, defensive driver, accident-free, claim-free, multi-policy, and good driver.
- Progressive offers discounts including multi-vehicle, good student, continuous coverage, multi-policy, online signing, and online quote discount.
- Travelers has discounts for multi-policy, hybrid/electric vehicle, save driver, new car, and good student.
- SAFECO offers discounts for teen safety rewards, multi-car, anti-lock brakes, bundle discounts, anti-theft, and teen safe driver.
- AAA offers premium reductions for multi-car, education and occupation, multi-policy, good student, pay-in-full, and anti-theft.
If you are trying to find inexpensive Omaha auto insurance quotes, ask each insurance company the best way to save money. Some discounts may not be available in your area. To view insurers with significant discounts in Nebraska, click here.
Insurance coverage details
The rate table displayed next highlights a range of coverage prices for Ford Fusion models. Understanding how policy rates are figured can help drivers make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $124 | $240 | $338 | $20 | $102 | $824 | $69 |
| Fusion SE 4-Dr Sedan | $138 | $284 | $338 | $20 | $102 | $882 | $74 |
| Fusion Hybrid 4-Dr Sedan | $138 | $326 | $424 | $26 | $126 | $1,040 | $87 |
| Fusion SEL 4-Dr Sedan | $138 | $284 | $338 | $20 | $102 | $882 | $74 |
| Fusion Sport 4-Dr Sedan | $138 | $284 | $338 | $20 | $102 | $882 | $74 |
| Fusion SEL AWD 4-Dr Sedan | $154 | $326 | $338 | $20 | $102 | $940 | $78 |
| Fusion Sport AWD 4-Dr Sedan | $154 | $326 | $338 | $20 | $102 | $940 | $78 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Prices do not factor in specific zip code location which can influence auto insurance rates substantially.
Can higher deductibles save money?
When shopping for insurance, a common question is at what level do you set your deductibles. The data tables below may help to conceptualize the differences in price between low and high physical damage coverage deductibles. The first rate estimation uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Fusion SE 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Fusion Hybrid 4-Dr Sedan | $292 | $632 | $374 | $22 | $112 | $1,457 | $121 |
| Fusion SEL 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Fusion Sport 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Fusion SEL AWD 4-Dr Sedan | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| Fusion Sport AWD 4-Dr Sedan | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Fusion SE 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Fusion Hybrid 4-Dr Sedan | $162 | $334 | $374 | $22 | $112 | $1,004 | $84 |
| Fusion SEL 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Fusion Sport 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Fusion SEL AWD 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| Fusion Sport AWD 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate information does not factor in specific zip code location which can impact rates considerably.
Based on the data above, we can derive that using a $100 deductible will cost you approximately $36 more each month or $432 a year than opting for the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 25 months between claim filings, you would save money if you decide on a higher deductible.
Rate increases following a ticket or accident
The diagram below demonstrates how traffic citations and accident claims can raise Ford Fusion yearly insurance costs for different ages of insureds. The premiums are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.
Insurance premiums for males and females
The information below shows the difference between Ford Fusion insurance costs for male and female drivers. The premium estimates are based on no accidents, no driving violations, full coverage, $250 deductibles, single status, and no discounts are factored in.
Comparison of full coverage and liability-only policies
The illustration below illustrates the comparison of Ford Fusion insurance costs with and without full coverage. Data assumes no claims or driving violations, $500 deductibles, single status, and no discounts are applied to the premium.
When to stop paying for full coverage
There is no clear-cut rule for dropping full coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Ford Fusion claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,000 after the policy deductible has been paid. If it’s costing in excess of $800 a year for your policy with full coverage, then you might consider buying liability only.
There are a few situations where dropping full coverage is not financially feasible. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.
Why Smart Consumers Pay Less for Ford Fusion Insurance
A large part of saving on insurance is knowing the factors that help calculate your policy premiums. If you have a feel for what controls the rates you pay, this enables informed choices that could result in lower premium levels.
Marriage pays dividends – Having a wife or husband helps lower the price on your policy. Marriage is viewed as being more mature and statistics show drivers who are married are more cautious.
Maintain insurance coverage – Not having insurance is a misdemeanor and any future policy may cost more because you let your coverage lapse. Not only will you pay more, getting caught without coverage might get you a steep fine or even jail time. You may need to provide proof of insurance in the form of an SR-22 filing with the Nebraska department of motor vehicles.
Youthful drivers cost more – Teen drivers in Nebraska are statistically shown to be inattentive when driving with friends and because of this, their insurance rates are much higher. Parents adding a teen driver to your policy will cause a huge premium hike. Older drivers are more cautious drivers, tend to file fewer claims, and receive fewer citations.
The following chart is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.
Vocation can influence prices – Occupational choices like judges, airline pilots, and emergency personnel are shown to have the highest rates attributed to intense work requirements and extremely grueling work hours. Conversely, jobs like farmers, historians and homemakers get better rates.
Loss statistics for a Ford Fusion – Insurers analyze claim trends for every vehicle when determining insurance rates. Vehicles that have increased losses will have higher rates for specific coverages.
The information below illustrates the historical insurance loss data for Ford Fusion vehicles. For each coverage type, the claim amount for all vehicles averaged together equals 100. Values under 100 mean the vehicle has better than average losses, while values that are above 100 indicate higher probability of having a loss or an increased chance of larger losses than average.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Fusion 2WD | 110 | 95 | 108 | 116 | 111 | 105 |
| Ford Fusion 4WD | 115 | 85 | 120 | 88 | 77 | 71 |
| Ford Fusion Hybrid | 125 | 97 | 98 | 92 | 93 | 95 |
| Ford Fusion Plug-in Hybrid | 128 | 87 | 91 | 88 | 91 | 107 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance agencies near you
Many people just prefer to get professional advice from a licensed agent and doing so can bring peace of mind One of the best bonuses of getting online price quotes is that you can obtain lower rates but still work with a licensed agent.
By using this simple form, the coverage information is submitted to local insurance agents in Omaha that can give you free Omaha auto insurance quotes for your business. It makes it easy because there is no need to contact an agency since rate quotes are delivered to the email address you provide. Get lower rates and a licensed agent to talk to. If you have a need to compare prices from a particular provider, you can always search and find their rate quote page and submit a quote form there.
Deciding on an provider should depend on more than just a low price. Any agent in Omaha should be willing to answer these questions.
- Do they offer accident forgiveness?
- Does the agent help file claims?
- Which company do they place the most coverage with?
- Are they able to provide referrals?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Is the agent and/or agency licensed to do business in Nebraska?
- Is the agency covered by Errors and Omissions coverage?
- Will high miles depreciate repair valuations?
When searching for a good Omaha insurance agent, you need to know there are two types of insurance agents and how they are distinctly different. Insurance agencies in Omaha are categorized either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agencies
Agents that elect to be exclusive generally can only insure with one company such as AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot give you multiple price quotes so they have to upsell other benefits. Exclusive agents are well schooled on sales techniques and that can be a competitive advantage.
Listed below are Omaha exclusive insurance agents willing to provide rate quotes.
Tim Edwards – State Farm Insurance Agent
6550 S 84th St #200 – Omaha, NE 68127 – (402) 331-0112 – View Map
Erica Wilkinson – State Farm Insurance Agent
7601 Pacific St – Omaha, NE 68114 – (402) 590-2020 – View Map
Len Siedlik – State Farm Insurance Agent
12781 Q St – Omaha, NE 68137 – (402) 895-4446 – View Map
Independent Agencies or Brokers
These agents are not employed by any specific company so they can insure your vehicles with many different companies and find the cheapest rate. If prices rise, the business is moved internally and the insured can keep the same agent.
If you need lower rates, you should always compare prices from independent agents to get the most accurate price comparison.
Listed below are Omaha independent insurance agents willing to provide price quotes.
Mech Insurance
3901 Q St – Omaha, NE 68107 – (402) 731-5965 – View Map
United Insurance Agencies and Affordable Auto Insurance
1055 N 115th St #208 – Omaha, NE 68154 – (402) 492-8020 – View Map
Best Insurance Agency
7300 F St – Omaha, NE 68127 – (402) 331-1515 – View Map
When to get professional advice
Always keep in mind that when comparing insurance from an agent or online for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply.
For example, these questions might help in determining whether you would benefit from professional advice.
- Am I covered by my spouse’s policy after a separation?
- What does medical payments coverage do?
- Should I buy additional glass protection?
- What are the financial responsibility laws in my state?
- What is the difference between comprehensive and collision coverage?
- Is my trailer covered?
If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier
Quote more to save more
In this article, we presented many ways to shop for Ford Fusion insurance online. The key thing to remember is the more rate quotes you have, the higher your chance of finding affordable Omaha auto insurance quotes. You may even be surprised to find that the biggest savings come from an unexpected company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.
As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where someone sacrificed collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.
Steps to saving money on Ford Fusion insurance in Omaha
Really, the only way to get discount auto insurance rates is to start comparing rates regularly from companies in Omaha.
- Step 1: Try to learn a little about how auto insurance works and the modifications you can make to prevent expensive coverage. Many policy risk factors that increase rates like traffic tickets, fender benders, and a not-so-good credit history can be amended by making small lifestyle or driving habit changes.
- Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from one company like GEICO or State Farm, while independent agents can quote rates for many different companies.
- Step 3: Compare the price quotes to your existing policy to see if cheaper Fusion coverage is available. If you can save some money, make sure there is no lapse between the expiration of your current policy and the new one.
The critical component of shopping around is to make sure you’re comparing similar deductibles and liability limits on each quote and and to get rate quotes from as many companies as you can. This enables an apples-to-apples comparison and a complete price analysis.
To learn more, link through to the articles below:
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Who Has Cheap Omaha Auto Insurance for a Dodge Journey? (FAQ)
- What Insurance is Cheapest for a Nissan Sentra in Omaha? (FAQ)
- How Much are Car Insurance Rates for Real Estate Agents in Omaha? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Credit Impacts Car Insurance Rates (State Farm)