It’s safe to assume that auto insurance companies want to keep you from comparing prices. People who do rate comparisons will probably switch companies because there is a good chance of finding good coverage at a lower price. A recent survey discovered that people who regularly compared rates saved approximately $860 a year compared to those who didn’t regularly shop around.
If finding budget-friendly rates on auto insurance is your goal, then having some insight into how to shop for insurance rates can help make the process easier.
It takes a few minutes, but the best way to get affordable car insurance rates in Omaha is to compare prices once a year from insurers who sell auto insurance in Nebraska.
- Learn about how companies price auto insurance and the factors you can control to keep rates in check. Many risk factors that drive up the price such as multiple speeding tickets and a poor credit rating can be remedied by improving your driving habits or financial responsibility.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive or Allstate, while independent agencies can quote rates for many different companies.
- Compare the new rate quotes to your existing rates and determine if cheaper Rainier coverage is available in Omaha. If you can save some money and change companies, ensure there is no coverage lapse between policies.
A key point to remember is to try to use identical limits and deductibles on each quote and and to compare as many different companies as possible. This provides a fair rate comparison and the best price selection.
The quickest way to get rate comparisons for Buick Rainier insurance in Omaha is to realize most of the bigger providers allow for online access to give free rates quotes. The one thing you need to do is give them some information like coverage limits, marital status, distance driven, and if you require a SR-22. Your rating data is submitted instantly to many of the top insurers and they return quotes immediately.
To find the cheapest Buick Rainier insurance rates, click here and see if a lower rate is available in Omaha.
The providers in the list below provide price quotes in Nebraska. To buy cheap car insurance in Omaha, NE, it’s highly recommended you visit several of them to get the cheapest price.
Do I just need basic coverages?
When it comes to choosing the best insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different.
For example, these questions may help highlight if your situation would benefit from professional advice.
- Do I have coverage if my license is suspended?
- Is a fancy paint job covered?
- Where can I find high-risk insurance?
- Am I covered if my car is in a flood?
- Should I waive the damage coverage when renting a car?
- What if I don’t agree with a claim settlement offer?
- Does my Buick Rainier qualify for pleasure use?
- Is my Buick Rainier covered if I use it for business?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
When to talk to a local insurance agent
A small number of people prefer to sit down with an agent and there is nothing wrong with that. The best thing about getting online price quotes is that you can find lower prices but still work with a licensed agent. And supporting neighborhood agents is important particularly in Omaha.
Once you complete this form (opens in new window), the quote information is emailed to agents in your area who will give competitive quotes and help you find cheaper coverage. It makes it easy because there is no need to find an agent on your own due to the fact that quote results will go to you. You can find the lowest rates without a big time investment. If you wish to get a comparison quote from one company in particular, you would need to search and find their rate quote page and fill out the quote form the provide.
Insurance agent types
If you want to use a reliable insurance agency, you need to know there are two different types of agents that you can select. Auto insurance agencies can either be independent or exclusive.
Independent Auto Insurance Agents (or Brokers)
Independent agencies are appointed with more than one company so they can quote policies through many different auto insurance companies and get you the best rates possible. If you want to switch companies, the business is moved internally and you don’t have to find a new agent.
If you need cheaper auto insurance rates, you absolutely need to get some free quotes from at least one independent agent so that you have a good selection of quotes to compare.
Featured below is a partial list of independent agencies in Omaha that may be able to give free auto insurance quotes.
Mech Insurance
3901 Q St – Omaha, NE 68107 – (402) 731-5965 – View Map
AA Brokers Insurance Agency Inc.
2214 N 90th Plaza – Omaha, NE 68134 – (402) 392-1930 – View Map
Jensen Insurance
16909 Burke St #125 – Omaha, NE 68118 – (402) 391-5100 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive can usually just insure with one company and some examples include Allstate and State Farm. Exclusive agents cannot compare other company’s rates so always compare other rates. Exclusive agents are highly trained on the products they sell which helps them sell insurance even at higher premiums.
Shown below is a short list of exclusive agencies in Omaha who can help you get price quote information.
Len Siedlik – State Farm Insurance Agent
12781 Q St – Omaha, NE 68137 – (402) 895-4446 – View Map
Jackie Pletan – State Farm Insurance Agent
8333 Cass St – Omaha, NE 68114 – (402) 391-2673 – View Map
Farmers Insurance – Larry Schmitz
2726 S 148th Cir – Omaha, NE 68144 – (402) 895-3663 – View Map
Choosing a insurance agency shouldn’t rely on just a low price. Any good agent in Omaha should know the answers to these questions.
- Do they reduce claim amounts on high mileage vehicles?
- Does the agency have a good rating with the Better Business Bureau?
- Are there any discounts for paying up front?
- Will the company cover a rental car if your car is getting fixed?
- Is working in the agency their full-time job?
- Where are claims handled?
After receiving reasonable responses to any questions you may have as well as offering an affordable quote, it’s a good possibility that you have found an auto insurance agent that can be trusted to insure your vehicles. But remember, you are entitled to terminate coverage whenever you want so don’t assume that you’re stuck with a specific agent for a certain time period.