It’s a fact that car insurance companies want to keep you from comparing prices. Drivers who shop around once a year will most likely move their business because there is a high probability of finding good coverage at a lower price. A recent survey revealed that people who compared rates annually saved about $860 a year compared to people who never shopped around for better prices.
If finding the best price on insurance is your goal, then having some knowledge of how to get price quotes and compare insurance rates can make it simple to find affordable coverage.
The best way we recommend to get affordable Ford Explorer insurance in Lincoln is to compare quotes once a year from providers who sell auto insurance in Nebraska.
Step 1: Take a few minutes and learn about how car insurance works and the things you can control to keep rates in check. Many rating factors that are responsible for high rates like traffic violations and a poor credit score can be remedied by making minor changes in your lifestyle. This article provides ideas to prevent rate hikes and get bigger discounts that may have been overlooked.
Step 2: Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or State Farm, while independent agents can give you price quotes from many different companies.
Step 3: Compare the new rate quotes to your existing policy to see if switching to a new carrier will save money. If you find a lower rate and decide to switch, ensure there is no coverage lapse between policies.
Step 4: Provide written notification to your current company to cancel your existing policy and submit a completed application and payment for your new policy. Once coverage is bound, keep the new proof of insurance certificate in a readily accessible location in your vehicle.
One bit of advice is to try to use the same liability limits and deductibles on each price quote and and to get prices from every insurance company. This provides a level playing field and many rates to choose from.
If you’re already insured, you will most likely be able to find better prices using these methods. Choosing the most cost-effective auto insurance policy in Lincoln is really not that difficult. Nevertheless, Nebraska drivers must understand how insurance companies sell online and use this information to your advantage.
Companies offering Ford Explorer insurance in Lincoln
The companies in the list below provide free rate quotes in Lincoln, NE. If multiple companies are listed, we suggest you visit several of them to get a more complete price comparison.
Analysis of coverages
The premium table shown below showcases detailed analysis of insurance prices for Ford Explorer models. Being aware of how policy premiums are determined can assist in making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $222 | $362 | $390 | $24 | $116 | $1,114 | $93 |
| Explorer Eddie Bauer 2WD | $222 | $362 | $390 | $24 | $116 | $1,114 | $93 |
| Explorer XLT 4WD | $222 | $362 | $390 | $24 | $116 | $1,114 | $93 |
| Explorer XLT AWD | $222 | $362 | $390 | $24 | $116 | $1,114 | $93 |
| Explorer Eddie Bauer 4WD | $250 | $442 | $390 | $24 | $116 | $1,222 | $102 |
| Explorer Eddie Bauer AWD | $250 | $442 | $390 | $24 | $116 | $1,222 | $102 |
| Explorer Limited 2WD | $250 | $442 | $390 | $24 | $116 | $1,222 | $102 |
| Explorer Limited 4WD | $250 | $442 | $390 | $24 | $116 | $1,222 | $102 |
| Explorer Limited AWD | $250 | $442 | $390 | $24 | $116 | $1,222 | $102 |
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in specific location which can alter insurance rates noticeably.
The diagram below highlights how deductible selection and can affect Ford Explorer insurance prices for each age group. The data assumes a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
Comparison of full coverage and liability-only policies
The illustration below compares Ford Explorer premium costs with full coverage and liability only. The data assumes no accidents, no driving violations, $500 deductibles, drivers are not married, and no policy discounts are applied.
When to eliminate full coverage
There is no exact formula for phasing out full coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s pretend your Ford Explorer book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after you pay the deductible. If it’s costing in excess of $500 annually for full coverage, then you may need to consider dropping full coverage.
There are some situations where eliminating full coverage is not a good idea. If you still owe a portion of the original loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not drop full coverage.
Lincoln auto insurance discounts
The price of auto insurance can be rather high, but you can get discounts that could drop your premiums quite a bit. Some discounts apply automatically at quote time, but a few need to be specially asked for before they will apply.
- Accident Free – Drivers with accident-free driving histories have much lower rates as opposed to drivers who are more careless.
- Waiver for an Accident – Not necessarily a discount, but certain companies allow you one accident without raising rates with the catch being you have to be claim-free for a set time period.
- Clubs and Organizations – Being a member of qualifying employment or professional organizations is a simple method to lower premiums on your next renewal.
- Early Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.
- Federal Government Employee – Active or retired federal employment may reduce rates when you quote Lincoln auto insurance with a few auto insurance companies.
- Distant College Student Discount – College-age children who live away from home at college and do not have a car may be insured at a cheaper rate.
One last thing about discounts, most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. Despite the fact that it seems like it’s possible to get free car insurance, you’re out of luck.
The information below compares Ford Explorer car insurance rates with and without policy discounts. Data assumes a male driver, no claims or violations, Nebraska state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, marriage, multi-policy, and homeowner discounts applied.
Insurance companies that may include these money-saving discounts include:
When getting free Lincoln auto insurance quotes, it’s a good idea to each insurance company the best way to save money. A few discounts might not apply everywhere. For a list of auto insurance companies with the best Ford Explorer insurance discounts in Lincoln, click here to view.
What insurance coverages do I need?
When it comes to buying the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions might point out whether you might need professional guidance.
- Will damage be repaired with OEM parts?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Is borrowed equipment or tools covered if stolen or damaged?
- Should I file a claim if it’s only slightly more than my deductible?
- Can I cancel at any time?
- Is there a penalty for late payment?
- How can I find cheaper teen driver insurance?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.
Local Lincoln car insurance agents and car insurance
Some people just want to buy from a licensed agent and that is a personal choice. The best thing about comparing insurance prices online is that you can find the best rates but still work with a licensed agent.
For easy comparison, once you complete this simple form, your information is sent to insurance agents in Lincoln who can give free rate quotes to get your business. There is no reason to search for an agent due to the fact that quote results will go immediately to your email address. You can find the lowest rates without a big time investment. If you wish to compare prices from a specific company, just go to their quote page and give them your coverage information.
Deciding on an provider requires you to look at more than just a low price. Any good agent in Lincoln should know the answers to these questions.
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Does the company have a solid financial rating?
- Do they make recommendations based only on price?
- Is there a local claims center in Lincoln?
- When do they do policy reviews?
- Are you getting all the discounts the company offers?
If you are wanting to find a good insurance agency, you need to know there are two different types of agents and how they can write your policy. Agents may be either independent (non-exclusive) or exclusive.
Exclusive Car Insurance Agents
Exclusive agencies can only place business with one company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot place coverage with different providers so they are skilled at selling on more than just price. These agents are highly trained on what they offer which helps them sell insurance even at higher premiums.
Listed below are Lincoln exclusive agents who can help you get comparison quotes.
Sarah Kohlhof – State Farm Insurance Agent
1221 N Cotner Blvd #2 – Lincoln, NE 68505 – (402) 466-8245 – View Map
State Farm – Lincoln – Steve Lang
1401 N 66th St Suite 206 – Lincoln, NE 68505 – (402) 467-2272 – View Map
American Family Insurance – Ben Bolte Agency Inc
5815 S 58th St Ste A – Lincoln, NE 68516 – (402) 441-4222 – View Map
Independent Insurance Agents
Agents in the independent channel are appointed with more than one company so they can insure your vehicles with multiple insurance companies and get the cheapest rates. If you want to switch companies, your policy is moved internally and that require little work on your part.
If you need lower rates, you will definitely want to check rates from multiple independent agents to maximize your price options.
The following are independent insurance agencies in Lincoln willing to provide rate quotes.
Buethe and Associates Insurance Agency
2337 S 13th St – Lincoln, NE 68542 – (402) 474-2063 – View Map
Mid Mex Insurance Inc
1010 South St A – Lincoln, NE 68502 – (402) 438-6800 – View Map
Mittelstadt Agency LLC
1701 K St – Lincoln, NE 68508 – (402) 434-3990 – View Map
If you feel you receive satisfactory answers to all your questions and a good coverage price, it’s a good possibility that you have found a car insurance agent that is a good match to adequately provide car insurance. But keep in mind policyholders can terminate your policy at any time so never feel you are locked into a specific agent for the entire policy term.
Persistence is the key to cheap rates
Discount Ford Explorer insurance in Lincoln is available both online and with local Lincoln insurance agents, and you should compare rates from both to get a complete price analysis. Some companies may not offer online price quotes and most of the time these smaller companies only sell through independent agencies.
As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. Too many times, someone dropped uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. Your objective should be to buy the best coverage you can find at an affordable rate while still protecting your assets.
For more information, feel free to visit the resources below:
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance for Safe Drivers in Lincoln? (FAQ)
- How Much are Auto Insurance Quotes for College Students in Lincoln? (FAQ)
- Who Has Cheap Lincoln Car Insurance for a Toyota Camry? (FAQ)
- Who Has Cheap Auto Insurance Rates After a Speeding Ticket in Lincoln? (FAQ)
- How Much is Car Insurance for Uber Drivers in Lincoln? (FAQ)
- What Auto Insurance is Cheapest for Low Mileage Drivers in Lincoln? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Understanding Your Insurance Deductible (Insurance Information Institute)