How long have you put off shopping around for cheaper car insurance rates in Omaha, NE? Omaha consumers have many options when looking for affordable Honda Insight insurance. They can either waste time struggling with agents to get rate comparisons or utilize the internet to find the lowest rates.
There is a better way to shop for car insurance so you’re going to learn the best way to price shop coverage for your Honda and obtain the best price possible from Omaha insurance agents and online providers.
We don’t have to tell you that car insurance companies don’t want their customers to go rate shopping. Drivers who rate shop once a year are highly likely to switch companies because there is a great chance of finding a lower-cost company. A survey found that consumers who routinely shopped around saved $70 a month compared to drivers who never shopped around.
If finding budget-friendly rates on auto insurance in Omaha is your ultimate goal, understanding how to shop and compare cheaper coverage can save time, money, and frustration.
It is always a good idea to do price comparisons once or twice a year because rates are adjusted regularly by insurance companies. If you had the best premium rates on Honda Insight insurance in Omaha a year ago there is a good chance you can find better prices now. Ignore everything you know about car insurance because we’re going to show you the quickest way to find lower rates on car insurance.
Best companies for low-cost Honda Insight insurance in Nebraska
The following companies have been selected to offer price comparisons in Nebraska. To buy cheap auto insurance in Nebraska, it’s highly recommended you visit several of them in order to find the most affordable rates.
Auto insurance analysis for a Honda Insight
The information displayed next highlights different prices for Honda Insight models. Having a good understanding how rates are figured is important for you to make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Insight LX | $224 | $480 | $404 | $24 | $122 | $1,254 | $105 |
| Insight EX | $258 | $566 | $404 | $24 | $122 | $1,374 | $115 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in vehicle garaging location which can modify prices considerably.
Insurance quotes and discounts
Not many people think insurance is cheap, but there could be available discounts that many consumers don’t even know exist. Certain reductions will be credited at the time of purchase, but a few need to be specially asked for before being credited. If you don’t get every credit you deserve, you could be paying more than you need to.
- 55 and Retired – Mature drivers may be able to get reduced rates.
- Discount for Multiple Policies – If you combine your home and auto policies with the same insurance company they may give you a discount of nearly 15% which can help you find cheap Insight insurance.
- Drivers Education – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course as it will make them better drivers and lower rates.
- No Claim Discounts – Drivers who don’t have accidents can earn big discounts in comparison to insureds who have frequent claims or accidents.
- Payment Discounts – If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid monthly service charges.
- ABS Braking Discount – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
- Discounts for Multiple Vehicles – Buying a policy with several vehicles with one company can reduce rates for all insured vehicles.
It’s important to understand that some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. Even though the math looks like all the discounts add up to a free policy, you aren’t that lucky.
The information below visualizes the comparison of Honda Insight insurance costs with and without discounts applied to the rates. The rate quotes are based on a female driver, no tickets, no at-fault accidents, 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, multi-policy, homeowner, marriage, claim-free, and safe-driver discounts applied.
Companies that may offer most of the discounts above include:
Double check with all companies you are considering how you can save money. A few discounts may not apply in Omaha. If you would like to view providers with significant discounts in Nebraska, follow this link.
When to get professional advice
Keep in mind that when it comes to choosing insurance from an agent or online, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions might help in determining whether you will benefit from professional help.
- Do I have newly-acquired coverage?
- Is a fancy paint job covered?
- Do I need roadside assistance coverage?
- Who is covered when they drive my Honda Insight?
- Do I benefit by insuring my home with the same company?
- Why does it cost so much to insure a teen driver in Omaha?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.
Auto insurance agents near you
A lot of people just prefer to buy from a local agent and we recommend doing that Licensed agents can point out coverage gaps and give you someone to call. One of the great benefits of price shopping on the web is you may find cheap rate quotes but still work with a licensed agent. Buying from and supporting neighborhood agents is especially important in Omaha.
After completing this form (opens in new window), your insurance coverage information is instantly submitted to agents in your area that provide free Omaha auto insurance quotes for your coverage. There is no reason to contact any agents because prices are sent instantly to you. In the event you want to quote rates from a specific company, you would need to go to their quote page and give them your coverage information.
If you would like to find local Omaha agents, you need to know there are two types of agencies and how they work. Agents in Omaha may be either exclusive or independent. Either can provide insurance policies, but it’s good to learn how they are different because it can impact the kind of agent you use.
Independent Agents
These type of agents are not restricted to one company and that enables them to quote your coverage amongst many companies and potentially find a lower price. If premiums increase, your policy is moved internally and you can keep the same agent. If you are trying to find cheaper rates, it’s a good idea to get some free quotes from several independent insurance agents to have the best price comparison. Many independent agencies also insure through additional companies that you may not be familiar with that may provide cheaper insurance rates.
Below are independent agencies in Omaha that can possibly get you cheap rate quotes.
- Accredited Insurance Group, Inc.
11347 Davenport St – Omaha, NE 68154 – (402) 334-1780 – View Map - New Frontier Insurance
3637 S 24th St – Omaha, NE 68108 – (402) 731-2505 – View Map - Elite Insurance Services, Inc.
11909 P St #203 – Omaha, NE 68137 – (402) 691-8118 – View Map
Exclusive Insurance Agents
Exclusive agencies can usually just insure with one company such as Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot provide prices from multiple companies so it’s a take it or leave it situation. They are well schooled on their company’s products and that enables them to sell even at higher rates. Consumers frequently purchase coverage from exclusives mostly because of the prominence of the brand rather than low price.
The following are exclusive agencies in Omaha that are able to give price quote information.
- Erica Wilkinson – State Farm Insurance Agent
7601 Pacific St – Omaha, NE 68114 – (402) 590-2020 – View Map - Angie Lintz – State Farm Insurance Agent
5484 North 90th Street – Omaha, NE 68134 – (402) 991-7366 – View Map - American Family Insurance – John Cuenca
4601 S 50th St Ste 306 – Omaha, NE 68117 – (402) 614-5004 – View Map
Picking an auto insurance agent needs to be determined by more than just a cheap price. You should also get answers to these questions.
- Which insurance companies are they affiliated with?
- Which members of your family are coverage by the policy?
- What company do they have the most business with?
- How are they compensated?
- If they are an independent agency in Omaha, which companies do they recommend?
- How long have they been in business?
- Will a damage claim use OEM or aftermarket replacement parts?
Once you have received positive responses and a good coverage price, it’s possible that you found an auto insurance agent that can be trusted to insure your vehicles.
Persistent drivers can save
As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. There have been many situations where drivers have reduced comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at the best cost while still protecting your assets.
In this article, we covered a lot of tips how to compare Honda Insight insurance prices in Omaha. The key thing to remember is the more you quote Omaha auto insurance, the higher the chance of saving money. Consumers could even find that the best prices are with the smaller companies. Some small companies may have significantly lower rates on certain market segments than their larger competitors like Progressive or GEICO.
Steps to buying lower priced Honda Insight insurance in Omaha
If you want to save the most money, the best way to find cheaper quotes for car insurance rates in Omaha is to start comparing rates regularly from companies that sell auto insurance in Nebraska.
Step 1: Take a little time to learn about auto insurance and the measures you can take to prevent expensive coverage. Many policy risk factors that drive up the price such as at-fault accidents, careless driving, and poor credit history can be eliminated by making lifestyle changes or driving safer.
Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO and State Farm, while independent agencies can provide prices from multiple insurance companies.
Step 3: Compare the new rates to your existing policy to see if cheaper Insight coverage is available in Omaha. If you find a better price and decide to switch, make sure there is no lapse in coverage.
Step 4: Notify your current company of your intent to cancel your current coverage. Submit the signed application along with the required initial payment to your new carrier. Once the paperwork is finalized, keep the new certificate of insurance in your vehicle.
An important note is to compare the same coverage limits and deductibles on each price quote and and to get price estimates from as many companies as feasibly possible. Doing this enables a fair price comparison and plenty of rates choose from.
For more information, take a look at these articles:
- Auto Insurance FAQ (Farmers Insurance)
- Who Has the Cheapest Car Insurance Quotes for 17 Year Olds in Omaha? (FAQ)
- How Much is Auto Insurance for a GMC Sierra in Omaha? (FAQ)
- What Insurance is Cheapest for a Toyota Highlander in Omaha? (FAQ)
- How Much are Car Insurance Rates for Real Estate Agents in Omaha? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- Auto Theft Statistics (Insurance Information Institute)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)