It’s an obvious assumption that insurance companies want to keep you from comparing prices. Insureds who shop around will presumably buy a new policy because there is a significant possibility of finding coverage at a cheaper rate. A recent survey found that drivers who shopped around every year saved $72 a month compared to other drivers who never compared rates.
If finding discount rates on auto insurance in Omaha is your goal, then understanding the best ways to find and compare coverages can make it simple to find affordable coverage.
If saving money is your primary concern, then the best way to get budget Fiat 500 insurance in Omaha is to regularly compare price quotes from providers who provide auto insurance in Nebraska. This can be done by completing these steps.
- Get an understanding of how insurance companies determine prices and the steps you can take to lower rates. Many risk factors that result in higher prices such as at-fault accidents, careless driving, and an unfavorable credit rating can be improved by making small lifestyle or driving habit changes. Continue reading for tips to get cheaper rates and find available discounts that you may qualify for.
- Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO and State Farm, while independent agencies can quote prices for a wide range of companies.
- Compare the quotes to your current policy to see if switching to a new carrier will save money. If you find a lower rate quote, ensure coverage does not lapse between policies.
One important bit of advice is to compare the same physical damage deductibles and liability limits on every price quote and and to get rates from as many car insurance companies as possible. Doing this guarantees a fair rate comparison and a complete price analysis.
The best way to compare insurance rates from multiple companies takes advantage of the fact most of the bigger providers have advanced systems to provide you with a free rate quote. To start a quote, the only thing you need to do is take a few minutes to give details such as if the car is leased, which vehicles you own, driver details, and if you require a SR-22. That information is submitted instantly to many different companies and they return rate quotes quickly.
If you would like to start a quote now, click here and enter your coverage details.
The providers in the list below are ready to provide comparison quotes in Omaha, NE. If multiple companies are listed, we suggest you click on several of them in order to find the cheapest rates.
Cheap Fiat 500 insurance quotes in Omaha
Some insurers don’t always publicize every available discount very well, so below is a list a few of the more well known and also the lesser-known credits available to bring down your rates.
- Active Service Discounts – Being on active duty in the military can result in better premium rates.
- Driver’s Education for Students – Require your teen driver to participate in a local driver’s education class in school or through a local driver safety program.
- Pay Upfront and Save – By paying your policy upfront instead of paying each month you can avoid monthly service charges.
- Club Memberships – Having an affiliation with certain professional organizations may earn a discount when getting a Omaha car insurance quote.
- Discounts for Government Workers – Having worked for a branch of the government may reduce rates when you quote Omaha car insurance depending on your company.
- Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
- Multi-line Discount – If the company offers life insurance, you could get lower rates if you buy some life insurance in addition to your auto policy.
- Claim-Free Discount – Insureds with no claims or accidents get the best auto insurance rates when compared to accident-prone drivers.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and can earn a small discount on your policy.
- Resident Student – Any of your kids who are enrolled in a college that is more than 100 miles from Omaha and do not have a car could qualify for this discount.
While discounts sound great, it’s important to understand that many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, nobody gets a free ride.
Some companies that may offer some of the discounts shown above include:
If you are trying to find affordable Omaha car insurance quotes, ask each company or agent which discounts they offer. Discounts might not be available to policyholders in Omaha.
When to talk to an insurance agency
Some consumers prefer to visit with an insurance agent and that is recommended in a lot of cases Licensed agents can point out coverage gaps and help submit paperwork. One of the benefits of comparing insurance online is you may find lower rates and also buy local. And buying from neighborhood insurance agencies is important especially in Omaha.
After completing this short form, the quote information is transmitted to agents in your area who will return price quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your computer as quotes are delivered to you directly. In the event you want to compare rates from a specific company, don’t hesitate to navigate to their website to submit a rate quote request.
If you are searching for a local Omaha insurance agent, it’s important to understand the types of insurance agents and how they work. Insurance agencies are considered either independent or exclusive. Both can insure your vehicles properly, but it’s worth learning the difference in how they write coverage because it can influence your agent selection.
Independent agents can sell policies from many different companies so as a result can place your coverage with an assortment of companies and get the cheapest rates. If prices rise, they simply move the coverage in-house and you stay with the same agent. When comparing rates, you will definitely want to include price quotes from at least one independent agent to maximize your price options. Many can place coverage with small mutual carriers which may have better rates.
Shown below is a partial list of independent insurance agencies in Omaha that can give you free insurance rate quotes.
- Omaha Insurance Services, Inc.
11132 O St – Omaha, NE 68137 – (402) 592-4455 – View Map
- New Frontier Insurance
3637 S 24th St – Omaha, NE 68108 – (402) 731-2505 – View Map
- Chastain-Otis Insurance and Financial Services
10822 Old Mill Rd #2 – Omaha, NE 68154 – (402) 397-2500 – View Map
These type of agents work for only one company and examples are Farmers Insurance or State Farm. Exclusive agents cannot provide other company’s prices so keep that in mind. They are usually quite knowledgeable on their company’s products which helps overcome the inability to quote other rates. Some consumers prefer to purchase coverage from exclusives mainly due to the brand name and solid financial strength.
Below are exclusive insurance agencies in Omaha that are able to give price quote information.
- Rudy Partida – State Farm Insurance Agent
639 N 98th St – Omaha, NE 68114 – (402) 333-5104 – View Map
- Aaron Stockton – State Farm Insurance Agent
1411 N 72nd St – Omaha, NE 68114 – (402) 551-3455 – View Map
- Jay Bergmeier – State Farm Insurance Agent
16707 Q St – Omaha, NE 68135 – (402) 895-7500 – View Map
Finding a good auto insurance agent is decision based upon more than just the premium amount. Agents should be asked these questions:
- Do the coverages you’re quoting properly cover your vehicle?
- Do they carry Errors and Omissions coverage?
- Will the agent or a CSR service your policy?
- Does the quote include credit and driving reports?
- What is the agency’s Better Business Bureau rating?
- Can they give you a list of client referrals?
- Are they in the agency full-time?
- Will the company cover a rental car if your car is getting fixed?
Upon getting positive responses for all questions you ask and a low price estimate, it’s possible that you found an insurance agency that is reliable enough to properly service your insurance policy. But remember, you can cancel coverage whenever you want so don’t think that you are obligated to a specific agent for a certain time period.
Auto insurance does more than just protect your car
Despite the potentially high cost of Fiat 500 insurance, insuring your vehicle is mandatory in Nebraska but it also protects more than you think.
First, most states have minimum mandated liability insurance limits which means the state requires a specific level of liability insurance in order to get the vehicle licensed. 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.
Second, if you have a loan on your vehicle, most lenders will make it mandatory that you carry insurance to guarantee loan repayment. If you do not keep the policy in force, the lender may insure your Fiat at a more expensive rate and require you to reimburse them the higher price.
Third, auto insurance protects both your Fiat and your personal assets. It will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If you have damage to your Fiat as the result of the weather or an accident, your policy will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance definitely exceed the cost, especially with large liability claims. According to a recent study, the average American driver overpays as much as $820 a year so you should quote rates at every renewal to save money.
Car insurance coverages explained
Understanding the coverages of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Fiat 500.
Due to the fact that many Nebraska drivers only purchase the least amount of liability that is required (25/50/25 in Nebraska), their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.
Comprehensive (Other than Collision)
This pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like hitting a deer, damage from getting keyed, theft, a tree branch falling on your vehicle and fire damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Medical expense insurance
Med pay and PIP coverage reimburse you for immediate expenses for chiropractic care, dental work, prosthetic devices and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
This coverage will pay to fix damage to your 500 caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as crashing into a ditch, driving through your garage door, backing into a parked car, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible on your 500 to save money on collision insurance.
Liability car insurance
This coverage protects you from damage or injury you incur to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.
Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, medical expenses and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible. Nebraska requires drivers to carry at least 25/50/25 but you should consider buying more liability than the minimum.
The next chart shows why the minimum limit may not be enough.
Cheaper insurance rates are possible
In this article, we covered quite a bit of information on how to get a better price on Fiat 500 insurance in Omaha. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even be surprised to find that the best prices are with some of the lesser-known companies.
The cheapest Fiat 500 insurance in Omaha is possible on the web and from local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies don’t offer online rate quotes and many times these smaller providers only sell coverage through independent agents.
Consumers who switch companies do it for a variety of reasons including unfair underwriting practices, high prices, delays in responding to claim requests and even high rates after DUI convictions. Whatever your reason, finding a new company is easier than you think.
Additional detailed information can be read by following these links:
- A Tree Fell on Your Car: Now What? (Allstate)
- Who Has Affordable Omaha Auto Insurance Quotes for Drivers with Good Credit? (FAQ)
- Who Has Affordable Car Insurance Quotes After a Speeding Ticket in Omaha? (FAQ)
- How Much is Car Insurance for Inexperienced Drivers in Omaha? (FAQ)
- How Much are Auto Insurance Rates for a Subaru Outback in Omaha? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Ford Fusion in Omaha? (FAQ)
- What is the Best Cheap Auto Insurance in Omaha, Nebraska? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Low Mileage Drivers in Omaha? (FAQ)
- What is Full Coverage? (Allstate)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Frontal Crash Tests (iihs.org)
- Auto Crash Statistics (Insurance Information Institute)