Pretty sure you bought overpriced Subaru Crosstrek insurance in Omaha? Don’t feel bad because many Omaha consumers are in the same pinch.
It’s hard to fathom, but the vast majority of insurance customers in Nebraska have stayed with the same insurance company for four years or more, and roughly 40% of drivers have never quoted insurance rates at all. American insurance shoppers could save themselves about 47% a year just by getting comparison quotes, but they mistakenly think it’s difficult to find affordable rates by getting comparison quotes. Companies like State Farm, Farmers Insurance, GEICO and Allstate constantly blast consumers with ads and it can be hard to see past the corporate glitz and find the best price available.
It’s a good idea to shop coverage around every six months due to the fact that insurance rates tend to go up over time. If you had the best deal on Subaru Crosstrek insurance in Omaha two years ago other companies may now be cheaper. You can find a lot of wrong information about Crosstrek insurance online, but in just a couple of minutes you can learn some tested techniques to save money.
Affordable rates on Subaru Crosstrek insurance in Omaha with these discounts
Properly insuring your vehicles can get expensive, but there are discounts available that may help make it more affordable. A few discounts will be applied when you get a quote, but once in a while a discount must be manually applied before they will apply. If you are not receiving all the discounts possible, you are just wasting money.
- Service Members Pay Less – Being deployed with a military unit could qualify you for better insurance rates.
- Telematics Data Discounts – People who choose to allow their company to analyze driving patterns by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as the data is positive.
- Bundled Policy Discount – If you combine your homeowners and auto policies and insure them both with the same insurance company they may give you a discount of as much as 10 to 15 percent.
- Safe Driver Discount – Accident-free drivers can save up to 40% or more on their Omaha auto insurance quote than less cautious drivers.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
- Pay Now and Pay Less – If you can afford to pay the entire bill instead of making monthly payments you can actually save on your bill.
- Senior Citizens – Drivers over the age of 55 could receive better insurance rates.
- Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
- Discounts for Multiple Vehicles – Drivers who insure multiple cars or trucks on one policy can get a discount on all vehicles.
As is typical with insurance, most of the big mark downs will not be given to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like you could get a free insurance policy, insurance companies aren’t that generous.
Companies that possibly offer these benefits are:
When getting a coverage quote, ask each insurance company how many discounts you can get. Savings may not be available in every state. If you would like to see a list of insurance companies with the best Subaru Crosstrek insurance discounts in Nebraska, click here to view.
The quickest method to get rate comparisons for Subaru Crosstrek insurance in Omaha utilizes the fact all the major auto insurance companies participate in a system to give free rates quotes. The only thing you need to do is provide a little information such as types of safety features, marital status, how you use your vehicles, and driver ages. Your information is instantly sent to multiple companies and they respond with quotes instantly to find the best rate.
To start a rate quote now, click here and enter the information requested.
The following companies are our best choices to provide free rate quotes in Omaha, NE. If your goal is to find cheap auto insurance in Nebraska, we recommend you visit several of them in order to find the most competitive rates.
Comparing quotes from local Omaha car insurance agents
Certain consumers just prefer to talk to an insurance agent and that is just fine! Good agents are highly skilled in risk management and give you someone to call. An additional benefit of comparing rate quotes online is you may find cheaper car insurance rates and still have an agent to talk to.
To make it easy to find an agent, after completing this quick form, your insurance coverage information is sent to insurance agents in Omaha who will gladly provide quotes for your insurance coverage. It makes it easy because there is no need to contact any agents since price quotes are sent to you instantly. If you need to get a rate quote from a specific company, don’t hesitate to search and find their rate quote page and give them your coverage information.
Picking an company needs to be determined by more than just the bottom line cost. Agents should be asked these questions:
- Does the agency provide any after hours assistance?
- How are claims handled?
- Does the company use OEM repair parts?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they prorate repair cost based on vehicle mileage?
If you would like to find a local Omaha insurance agency, it’s important to understand the different types of agencies and how they operate. Insurance agencies are either exclusive or independent agents depending on their company appointments. Either one can properly insure your vehicles, but it’s important to know how they differ since it can affect which agent you choose.
Exclusive Agencies
Agents of this type can only provide pricing for a single company and examples are Allstate and State Farm. Exclusive agencies are unable to compare rates from other companies so always compare other rates. They are well trained on what they offer and that enables them to sell even at higher rates.
The following is a short list of exclusive insurance agencies in Omaha who can help you get price quotes.
State Farm: Kyle Emsick
1018 Dodge St #2 – Omaha, NE 68102 – (402) 558-5060 – View Map
State Farm Insurance: Cory Juma
15665 Harrison St K – Omaha, NE 68136 – (402) 891-6161 – View Map
Tom Kaspar – State Farm Insurance Agent
1722 N 120th St – Omaha, NE 68154 – (402) 493-0101 – View Map
Independent Agents (or Brokers)
Agents in the independent channel are not limited to a single company so as a result can place your coverage amongst many companies and find the cheapest rate. To transfer your coverage to a different company, they can switch companies in-house and you stay with the same agent.
When comparing insurance prices, you absolutely need to get rate quotes from a couple of independent agencies in order to have the best price comparison.
Below is a list of independent agencies in Omaha willing to provide rate quotes.
Vander Vorst Insurance Agency
15037 Industrial Rd – Omaha, NE 68144 – (402) 330-7979 – View Map
New Frontier Insurance
3637 S 24th St – Omaha, NE 68108 – (402) 731-2505 – View Map
Accredited Insurance Group, Inc.
11347 Davenport St – Omaha, NE 68154 – (402) 334-1780 – View Map
Nebraska auto insurance companies ranked
Choosing a highly-rated company can be a challenge considering how many different companies there are to choose from in Omaha. The rank data shown below can help you analyze which car insurance providers you want to consider comparing prices from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Shop smart and save
As you go through the steps to switch your coverage, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where someone dropped full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy enough coverage at the best cost and still be able to protect your assets.
We just covered some good ideas how to save on Subaru Crosstrek insurance in Omaha. The key concept to understand is the more times you quote, the better likelihood of getting the cheapest Subaru Crosstrek rate quotes. Consumers could even find that the lowest premium rates come from some of the lesser-known companies. Regional companies may only write in your state and offer lower prices than the large multi-state companies such as Progressive or GEICO.
Steps to finding discount Subaru Crosstrek insurance in Omaha
Really, the only way to get more affordable auto insurance rates in Omaha is to compare quotes annually from providers in Nebraska.
Step 1: It will benefit you to learn about how companies price auto insurance and the factors you can control to drop your rates. Many factors that cause rate increases such as traffic citations, accidents, and a negative credit history can be amended by making minor changes in your lifestyle.
Step 2: Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or Allstate, while independent agencies can provide price quotes for many different companies.
Step 3: Compare the price quotes to your existing policy and determine if there is any savings. If you find a lower rate, verify that coverage does not lapse between policies.
Step 4: Provide written notification to your current company of your intention to cancel the current policy and submit a signed application and payment to your new company or agent. Once the paperwork is finalized, put the proof of insurance paperwork in your vehicle.
One thing to remember is to compare the same amount of coverage on each price quote and and to get prices from as many auto insurance providers as possible. This ensures an accurate price comparison and a complete selection of prices.
Additional auto insurance information can be found at these links:
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- What Car Insurance is Cheapest for Immigrants in Omaha? (FAQ)
- How Much are Auto Insurance Quotes for a Toyota RAV4 in Omaha? (FAQ)
- Auto Insurance Learning Center (State Farm)
- Booster Seat Ratings (iihs.org)
- Safety Belts FAQ (iihs.org)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)