Do you want to save money by finding lower-priced Subaru BRZ insurance in Omaha? Are you sick and tired of scraping nickels together to pay high auto insurance rates every month? You are no different than many other Nebraska consumers.
Remarkably, a study showed that most drivers have remained with the same auto insurance company for four years or more, and almost 40% of drivers have never even shopped around for cheaper coverage. Most drivers in Nebraska can save hundreds of dollars each year, but most tend to underestimate the amount of savings they would get if they swap their current policy for a cheaper one.
With vehicle owners having so many choices of insurance companies that have affordable insurance for a Subaru BRZ in Omaha, it can be hard to choose the most cost effective company.
Shopping around for more affordable car insurance policy in Omaha is actually quite simple. Virtually everyone who needs lower cost car insurance will probably be able to reduce their rates. Although Nebraska car owners do need to understand the way companies determine prices because it varies considerably.
How to lower your Subaru BRZ insurance cost in Omaha, Nebraska
When price shopping your coverage, comparing more prices helps locate the best rates.
The providers in the list below are ready to provide free rate quotes in Omaha, NE. To get cheap auto insurance in Omaha, NE, it’s a good idea that you click on several of them to get the best price comparison.
Protect your vehicle and other assets
Despite the high cost of buying insurance for a Subaru BRZ in Omaha, buying insurance may be required for several reasons.
- The majority of states have minimum mandated liability insurance limits which means you are required to buy specific minimum amounts of liability insurance coverage in order to be legal. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Subaru BRZ, it’s guaranteed your bank will have a requirement that you have insurance to ensure they get paid if you total the vehicle. If you default on your policy, the lender will be forced to insure your Subaru at a much higher premium rate and require you to pay the higher price.
- Insurance protects not only your vehicle but also your financial assets. Insurance will also pay for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability coverage also covers all legal expenses up to the policy limit in the event you are sued. If damage is caused by hail or an accident, your insurance policy will pay to have it repaired.
The benefits of having insurance greatly outweigh the cost, especially for larger claims. On average, a vehicle owner in Omaha is overpaying more than $820 a year so it’s important to compare rates at every policy renewal to be sure current rates are still competitive.
Cheaper rates with these nine discounts
Not many people think insurance is cheap, but companies offer discounts that can help lower your rates. Certain credits will be shown when you complete an application, but some must be requested specifically before you get the savings.
- Government Employee Discount – Employees or retirees of the government could provide a small rate reduction depending on your company.
- Discount for Home Ownership – Being a homeowner can save you money because of the fact that having a home requires a higher level of personal finance.
- Defensive Driver – Taking a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.
- Driver’s Education for Students – It’s a good idea to have your young drivers successfully take a driver’s education course in school.
- ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and the ABS can save up to 10%.
- Drive Less and Save – Driving fewer miles could be rewarded with lower premium rates on the low mileage vehicles.
- Drive Safe and Save – Drivers without accidents may save up to 50% more compared to accident prone drivers.
- Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use a seat belt can save 10% or more on the premium charged for medical payments and/or PIP.
One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way.
The best auto insurance companies and a summarized list of policyholder discounts are:
- State Farm has discounts for student away at school, defensive driving training, passive restraint, anti-theft, safe vehicle, multiple policy, and driver’s education.
- GEICO may offer discounts for daytime running lights, air bags, defensive driver, five-year accident-free, emergency military deployment, and seat belt use.
- SAFECO offers premium reductions for teen safe driver, drive less, multi-car, teen safety rewards, anti-theft, bundle discounts, and anti-lock brakes.
- Farmers Insurance policyholders can earn discounts including business and professional, bundle discounts, homeowner, electronic funds transfer, switch companies, pay in full, and youthful driver.
- AAA may include discounts for good student, education and occupation, multi-policy, AAA membership discount, pay-in-full, anti-theft, and good driver.
- USAA discounts include new vehicle, military installation, vehicle storage, multi-vehicle, safe driver, and defensive driver.
Check with all the companies to give you their best rates. Discounts might not be available to policyholders in your area.
Local Omaha car insurance agents and car insurance
Certain consumers still like to get advice from a local agent and doing so can bring peace of mind One of the best bonuses of comparing rate quotes online is you can get the lowest rates and still choose a local agent. Buying from and supporting local insurance agencies is especially important in Omaha.
After filling out this simple form, your information is emailed to local insurance agents in Omaha who want to provide quotes for your business. It simplifies rate comparisons since you won’t have to contact any insurance agencies due to the fact that quote results will go to you. You can find better rates and a licensed agent to talk to. If you need to quote rates from a particular provider, feel free to search and find their rate quote page and submit a quote form there.
Choosing the best provider should include more criteria than just a cheap price quote. Any agent in Omaha should have no problem answering these questions:
- How are they compensated?
- Is the agent CPCU or CIC certified?
- Do they offer rental car reimbursement?
- How does the company pay claims for a total loss?
- Which companies do they recommend if they are an independent agency?
- How many years of experience in personal auto insurance do they have?
- Will high miles depreciate repair valuations?
- If you are a high risk driver, do they have special markets for your coverage?
After talking to the agent and getting acceptable answers to your questions and an acceptable price quote, it’s possible that you found a company that meets the requirements to properly service your car insurance policy. Just understand that policyholders can terminate coverage any time you want so don’t think that you’re stuck with any specific company for the full policy term.
What is the best auto insurance company in Omaha?
Selecting the top auto insurance provider is difficult considering how many different insurance companies sell coverage in Nebraska. The information below may help you pick which providers to look at to insure your vehicles.
Top 10 Omaha Car Insurance Companies Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- GEICO
- Safeco Insurance
- Mercury Insurance
- Esurance
Car insurance policy coverages for a Subaru BRZ
Learning about specific coverages of a car insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages offered by car insurance companies.
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Subaru BRZ.
Because many people only carry the minimum required liability limits (Nebraska limits are 25/50/25), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages do not exceed the liability coverage limits.
Medical expense insurance
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as rehabilitation expenses, dental work, EMT expenses and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay
Auto liability
This protects you from damage or injury you incur to people or other property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability can pay for things such as medical expenses, court costs, loss of income and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford. Nebraska state minimum liability requirements are 25/50/25 but you should consider buying more coverage.
The illustration below demonstrates why buying the state minimum limits may not provide you with enough coverage.
Coverage for collisions
This coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers claims like hitting a parking meter, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your BRZ to save money on collision insurance.
Comprehensive (Other than Collision)
This will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like hitting a deer, damage from flooding, a tree branch falling on your vehicle, falling objects and rock chips in glass. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Be persistent and save
Low-cost Subaru BRZ insurance in Omaha can be sourced both online as well as from insurance agents, and you need to comparison shop both so you have a total pricing picture. Some auto insurance companies do not provide rates over the internet and many times these regional insurance providers provide coverage only through independent agencies.
As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. There are many occasions where someone sacrificed full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at the lowest possible cost, not the least amount of coverage.
Steps to buying affordable Subaru BRZ insurance in Omaha
If you want to save the most money, the best way to find lower priced car insurance rates in Omaha is to regularly compare price quotes from different companies who can sell car insurance in Nebraska. Rate comparisons can be done by completing these steps.
- Learn about policy coverages and the changes you can make to lower rates. Many things that cause rate increases like accidents, traffic tickets, and a less-than-favorable credit score can be rectified by paying attention to minor details.
- Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like GEICO or State Farm, while independent agents can give you price quotes from multiple sources.
- Compare the new rate quotes to your existing coverage to see if cheaper BRZ coverage is available. If you find a lower rate quote and make a switch, make sure there is no lapse in coverage.
- Notify your company or agent of your intent to cancel your existing policy. Submit payment and a completed application for your new coverage. As soon as you receive it, put the new certificate verifying coverage in an easily accessible location.
The most important part of this process is to try to use similar deductibles and liability limits on every quote and and to compare as many car insurance companies as possible. This enables an apples-to-apples comparison and plenty of rates choose from.
More tips and info about auto insurance can be found by following these links:
- Distracted Driving Extends Beyond Texting (State Farm)
- How Much is Omaha Auto Insurance for High Mileage Drivers? (FAQ)
- How Much is Car Insurance for Drivers Over Age 50 in Omaha? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Drivers Under 21 in Omaha? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- How to Avoid Staged Accidents (State Farm)