Follow These Proven Ways for Cheaper Omaha Nebraska Car Insurance

If shopping for car insurance online is new to you, it’s easy to be confused by the sheer number of car insurance companies competing for business in Omaha.

It’s smart to get comparison quotes at least once a year since rates go up and down regularly. If you had the lowest price last year you will most likely find a better rate today. Starting now, forget anything you know (or think you know) about car insurance because I’m going to teach you how to quote online to save money, get proper coverage and the best rates.

How to Compare Car Insurance Quotes in Omaha, Nebraska

To find the best car insurance prices, there are several ways of comparing price quotes and find the best price. The quickest method to find competitive insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished using a couple different methods.

  1. The most efficient way consumers can analyze rates is a comparison rater form (click to open form in new window). This form saves time by eliminating separate forms for every car insurance company. One quote request will return price quotes from several companies. This is perfect if you don’t have a lot of time.
  2. A harder way to analyze rates is to take the time to go to the website for every company you want to comare and fill out their own quote form. For example, let’s assume you want to compare Nationwide, Farmers and Travelers. You would have to go to every website to enter your coverage information, which is why the first method is quicker. For a list of links to companies insuring cars in Omaha, click here.
  3. The most time-consuming way of comparing rate quotes is to waste gas driving to and from local Omaha insurance agencies. Buying insurance online can eliminate the need for a local agent unless you require the professional advice only provided by licensed Omaha agents. You can, however, comparison shop online and still use a local agent. We’ll cover that shortly.

Whichever method you choose, ensure you are comparing identical coverages with every price quote. If you have different deductibles you will not be able to determine the best price in Omaha. Quoting even small variations in limits can mean a large discrepancy in price. Keep in mind that having more price comparisons helps you find a lower rate.

Cut your car insurance rates with discounts

Insurance can cost an arm and a leg, but you may find discounts to reduce the price significantly. Some trigger automatically at the time of purchase, but some may not be applied and must be specifically requested prior to receiving the credit.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Homeowners Savings – Owning a house in Omaha can save you money because of the fact that having a home is proof that your finances are in order.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less than drivers with accident claims.
  • E-sign – Some insurance companies give back up to $50 for buying your policy on their website.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Multiple Policy Discount – When you have multiple policies with one company you may save at least 10% off all policies.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.

It’s important to understand that many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like comp or med pay. Just because you may think adding up those discounts means a free policy, car insurance companies aren’t that generous. But any discount will bring down the cost of coverage.

price insurance in Omaha Nebraska

For a list of insurance companies offering car insurance discounts in Nebraska, click here to view.

Additional car insurance information can be read on the Nebraska Department of Insurance website. Click here for link. Nebraska drivers can get help finding coverage, learn about specific coverages, and read state legal mandates and laws.