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How to find cheaper Omaha car insurance rates

Finding affordable coverage is not that time consuming, but you do need to be consistent and thorough. The steps below demonstrate the best way to lower your rates.

1. Spend some time learning about auto insurance and the changes you can make to prevent expensive coverage. Many risk factors that cause rate increases such as speeding and an imperfect credit score can be rectified by improving your driving habits or financial responsibility.
2. Quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like Progressive or Allstate, while independent agencies can quote rates from multiple insurance companies. Exclusive agents primarily only quote one company’s rates, like State Farm.
3. Compare the new quotes to your current policy and see if there is a cheaper rate in Omaha. If you find a lower rate and decide to switch, make sure coverage does not lapse between policies.

The key aspect of shopping around is to try to use identical coverage information on every quote request and and to get prices from as many different insurance providers as possible. Doing this ensures the most accurate price comparison and maximum price selection.

AUTO INSURANCE FACT
Omaha drivers who compare rates pay an average of $850 less than drivers who do not. What are you waiting for?

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Drive responsibly or pay higher rates

The chart below shows how traffic citations and at-fault claims influence yearly insurance costs for different categories of driver ages. The costs are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are factored in.

Whether you pay high or low rates for car insurance coverage depends on a wide range of factors, but the average cost for a policy in Omaha is right around $1,100 every 12 months. On average, drivers in other states pay approximately $1,230, so Omaha drivers actually pay roughly $155 less each year than drivers who live in other states. But despite Omaha’s decent rates, that doesn’t mean you still can’t pay less than you’re currently paying.

The cost of Omaha car insurance depends on a lot of variables, and one important factor is the car, truck, or SUV you are insuring. The rate table below shows estimated premium rates for the top-selling vehicles bought in Omaha.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Premium amounts do not factor in specific location information which can revise premiums substantially.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in specific location information which can increase or decrease premium rates greatly.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Information does not factor in zip code location which can change price quotes considerably.