Omaha, NE Car Insurance Savings the Companies Don’t Want You to Know About

Finding lower premiums on Omaha car insurance can be a challenge for consumers not familiar with comparison shopping online. There are so many choices that it can be a real challenge to locate the lowest price in Omaha.

It’s a great practice to check car insurance prices before your policy renews since rates are adjusted regularly by insurance companies. Even if you think you had the lowest price a couple years back you can probably find a lower rate today. You can find a lot of misleading information regarding car insurance online, so we’re going to give you a lot of great tips on how to quit paying high car insurance rates.

Compare Omaha Car Insurance Costs

Most companies provide coverage price quotes online. Getting quotes is pretty painless as you just enter the amount of coverage you want as requested by the quote form. Upon sending the form, their rating system automatically orders information on your driving record and credit history and quotes a price.

This makes it a lot easier to compare rates but having to visit several different sites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to have as many quotes as possible in order to get lower prices.

The preferred way to find lower prices utilizes a single form that gets price quotes from several different companies. The form is fast, requires less work, and makes online quotes a little more enjoyable. Once the form is submitted, it gets priced and you can choose any or none of the pricing results.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. The entire process takes less than 15 minutes and you will find out if you’re overpaying now.

To use this form to compare rates, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you replicate the coverages as close as possible to your current policy. Using the same limits helps guarantee you will be getting comparison quotes for the exact same coverage.

Save money by taking advantage of these discounts

Insuring your vehicles can cost a lot, but companies offer discounts to reduce the price significantly. Certain discounts will be triggered automatically when you get a quote, but lesser-known reductions have to be manually applied before being credited. If you don’t get every credit you deserve, you are paying more than you should be.

  • Student in College – Youth drivers who are attending college without a vehicle on campus may qualify for this discount.
  • Organization Discounts – Belonging to a professional or civic organization may earn a discount on car insurance.
  • Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% depending on your company.
  • Low Mileage Discounts – Driving fewer miles can qualify you for a substantially lower rate.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Accident Free – Good drivers with no accidents pay much less when compared with bad drivers.
  • Homeowners Discount – Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Most cut specific coverage prices like liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck. Any amount of discount will reduce the amount you have to pay.<img class="alignright" style="padding-top:15px" src="" alt="Auto insurance in Nebraska” />

For a list of providers with the best car insurance discounts in Omaha, click here.

What about my local Omaha agents?

Certain consumers prefer to talk to a local agent. Agents can point out coverage gaps and help file insurance claims. The best thing about comparing rates online is that you can obtain better rates but also keep your business local. And supporting local businesses is especially important in Omaha.

To find an agent, once you fill out this simple form, the coverage information is instantly submitted to insurance agents in Omaha who will give you bids to get your business. There is no reason to even leave your home because quoted prices will be sent immediately to your email address. How’s that for easy!

If you want to view a list of agents in Omaha to contact, visit this site.

Selecting an provider shouldn’t rely on just a low price. Some important questions to ask are:

  • Are claims handled at the agent’s location?
  • Which insurance companies are they affiliated with?
  • If your car is totalled, how to they determine the replacement cost?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • How long have they worked with personal auto insurance coverage?
  • Is vehicle damage repaired with OEM or aftermarket parts?

Once you have reasonable responses to these questions and a good coverage price, chances are good that you have found an insurance company that will adequately provide car insurance.

When might I need an agent?

When choosing coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions may help highlight whether or not you could use an agent’s help.

  • Will my rates increase for filing one claim?
  • Do I need rental car coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Exactly who is provided coverage by my policy?
  • Do I need PIP coverage since I have good health insurance?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered when driving a rental car?
  • Does having multiple vehicles earn me a discount?
  • Does my vehicle need full coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

insurance quote Omaha

More information is available on the Nebraska Department of Insurance website through this link. Visitors are able to learn about specific coverages, learn about insurance regulations, and read consumer alerts.

A tidy conclusion

As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. There have been many cases where drivers have reduced physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

People change insurance companies for many reasons like extreme rates for teen drivers, delays in responding to claim requests, high prices or even poor customer service. It doesn’t matter what your reason, finding a great new company can be pretty painless.

Lower-priced car insurance can be bought from both online companies and also from your neighborhood Omaha agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who may not provide you the ability to get quotes online and these smaller companies work with independent agents.