Would you like to buy more affordable Dodge Stratus insurance in Omaha? Have you finally had enough of not being able to afford to keep your car insured? You are no different than many other Nebraska consumers.
Astonishing but true, over 70% of drivers renewed their policy with the same company for a minimum of four years, and practically 40% of car insurance customers have never compared rates to find affordable insurance. Omaha drivers could pocket $388 a year just by comparing rates, but most just don’t grasp how much savings they would realize if they switched to a cheaper policy.
Steps to finding low-cost rates for Dodge Stratus insurance in Omaha
Truthfully, the best way to get discount Dodge Stratus insurance in Omaha is to start doing an annual price comparison from insurance carriers that sell auto insurance in Nebraska.
First, read and learn about what is in your policy and the steps you can take to prevent high rates. Many risk factors that result in higher rates like getting speeding tickets and a less-than-favorable credit rating can be rectified by making minor changes in your lifestyle. Keep reading for information to get low prices and get bigger discounts that may have been overlooked.
Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO or Allstate, while agents who are independent can quote prices from multiple insurance companies.
Third, compare the price quotes to the price on your current policy and determine if cheaper Stratus coverage is available in Omaha. If you find a lower rate and change companies, make sure there is no coverage gap between policies.
One key aspect when comparing rates is that you use similar deductibles and liability limits on each quote request and and to get rates from as many companies as you can. This helps ensure a fair price comparison and a good representation of prices.
You have multiple auto insurance companies to choose from, and although it’s a good thing to be able to choose, it makes it harder to find the lowest cost provider for Dodge Stratus insurance in Omaha.
Locating the most cost-effective insurance policy in Omaha is easy if you know what you’re doing. In essence, each driver who compares rate quotes for insurance will more than likely be able to find lower rates. Nevertheless, Nebraska consumers should learn how insurance companies calculate your policy premium and use this information to your advantage.
Lower Your Omaha Insurance Costs
Multiple criteria are used in the calculation when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, but other criteria are less obvious such as your marital status or your vehicle rating.
Rates increase with policy add-ons – Insurance companies have many add-on coverages that sound like a good idea at the time if you don’t pay attention. Coverage for things like coverage for rental cars, accidental death, and membership fees could be just wasting money. They may seem good initially, but if you have no use for them remove them from your policy.
Teenagers vs. mature drivers – More mature drivers are viewed as being more responsible, statistically cause fewer accidents, and are safer drivers. Teen drivers tend to be more careless when driving so car insurance rates are higher.
Bad driving leads to higher costs – A bad driving record has a big impact on rates. Just one speeding ticket can boost insurance rates twenty percent or more. Drivers with clean records get better rates than their less careful counterparts. Drivers who have dangerous violations like reckless driving, hit and run or driving under the influence are required to maintain a SR-22 with their state DMV in order to prevent a license revocation.
Bad credit will cost you – A driver’s credit history can be an important factor in calculating your premium rate. Insureds that have good credit tend to file fewer claims and have better driving records than drivers who have worse credit. If your credit history is not that good, you could pay less to insure your Dodge Stratus by improving your credit score.
Put fewer miles on your vehicle – Driving more miles in a year’s time the more you’ll pay to insure it. Many insurance companies apply a rate based on their usage. Autos that are left in the garage receive better premium rates than vehicles that are driven to work every day. An improperly rated Stratus may be costing you. Ask your agent if your car insurance declarations sheet is rated on the correct usage, because improper ratings can cost you money.
Decrease car insurance rates by maintaining coverage – Allowing your car insurance policy to lapse is a fast way to increase your rates. And not only will your rates increase, getting caught without coverage can result in a fine, jail time, or a revoked license.
Where you live is a factor – Having an address in a rural area is a positive aspect if you are looking for the lowest rates. Lower population means reduced accidents as well as less vandalism and auto theft. Residents of big cities regularly have congested traffic and a longer drive to work. More time behind the wheel means more chances of being involved in an auto accident.
Gender and car insurance rates – Over the last 50 years, statistics have shown females are less aggressive when driving. That doesn’t necessarily mean that males are worse at driving than females. Females and males cause at-fault accidents at about the same rate, but males cause more damage. In addition to higher claims, males also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 have the highest risk to insure so it costs more to insure them.
Cheap car insurance rates are possible
We just presented some good ideas how to get a better price on Dodge Stratus insurance in Omaha. The most important thing to understand is the more times you quote, the higher your chance of finding the cheapest Dodge Stratus rate quotes. You may even find the lowest prices come from the least-expected company.
Some companies do not provide price quotes online and most of the time these regional carriers sell through independent insurance agents. Low-cost Dodge Stratus insurance in Omaha can be purchased both online as well as from independent agents in Omaha, so you should compare both so you have a total pricing picture.
Consumers leave their current company for many reasons like unfair underwriting practices, extreme rates for teen drivers, high prices or even not issuing a premium refund. It doesn’t matter why you want to switch finding a great new company can be less work than you think.
Steps to finding better rates for Dodge Stratus insurance in Omaha
If your goal is the lowest price, then the best way to find cheaper prices for auto insurance rates in Omaha is to start comparing prices yearly from insurers who sell auto insurance in Nebraska. Rate comparisons can be done by following these steps.
- It will benefit you to learn about how car insurance works and the factors you can control to lower rates. Many policy risk factors that cause high rates like accidents, traffic violations, and a not-so-good credit score can be eliminated by making minor changes to your lifestyle.
- Request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive or State Farm, while independent agents can give you price quotes from multiple sources.
- Compare the new quotes to your existing policy and see if you can save money. If you find a lower rate quote, make sure there is no coverage gap between policies.
One tip to remember is to use the same deductibles and limits on each quote and to quote with all possible companies. Doing this provides an accurate price comparison and and a good selection of different prices.
Additional car insurance information can be found below:
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- How Much are Omaha Auto Insurance Rates for Drivers Over Age 70? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Jeep Grand Cherokee in Omaha? (FAQ)
- Who Has Cheap Car Insurance for a 20 Year Old Male in Omaha? (FAQ)
- What Insurance is Cheapest for a GMC Acadia in Omaha? (FAQ)
- How Much are Omaha Car Insurance Rates for a Ford Explorer? (FAQ)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Understanding Limits and Deductibles (Allstate)
- Teen Driver Statistics (Insurance Information Institute)
- Auto Insurance for Teen Drivers (Insurance Information Institute)