If you want to save the most money, the best way to get affordable Chevy TrailBlazer insurance in Omaha is to start comparing prices yearly from providers who can sell car insurance in Nebraska. Rates can be compared by completing these steps.
First, spend some time learning about how insurance companies determine prices and the factors you can control to prevent high rates. Many rating factors that cause rate increases like at-fault accidents and a low credit score can be controlled by being financially responsible and driving safely.
Second, compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from one company like Progressive and State Farm, while agents who are independent can give you price quotes for a wide range of insurance providers. Start a quote
Third, compare the price quotes to your existing coverage to see if a cheaper price is available. If you can save money and buy the policy, make sure there is no coverage gap between policies.
The key aspect of shopping around is to use similar coverage information on each price quote and and to compare as many companies as possible. This helps ensure an apples-to-apples comparison and plenty of rates choose from.
Astonishing but true according to a recent study, about 70% of customers kept buying from the same company for well over three years, and 38% of drivers have never compared rates from other carriers. Drivers in Nebraska could save approximately 30% every year just by shopping around, but they don’t know the amount of money they would save if they changed companies.
Best companies for Chevy TrailBlazer insurance
The auto insurance companies shown below are ready to provide price quotes in Omaha, NE. If multiple companies are listed, we recommend you visit several of them to get a more complete price comparison.
Save money with these discounts
Some companies do not list every available discount very clearly, so the following is a list of both well-publicized and the harder-to-find credits available to lower your premiums when you buy Omaha auto insurance online. If you aren’t receiving every discount available, you may be paying too high a price.
- No Accidents – Insureds who avoid accidents and claims can save substantially when compared to accident-prone drivers.
- Senior Citizen Discount – Drivers over the age of 55 can possibly qualify for better car insurance rates.
- Discounts for Government Workers – Employees or retirees of the government could cut as much as 10% off depending on your car insurance provider.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
- Drive Safe and Save – Accident-free drivers can get discounts for up to 45% lower rates than their less cautious counterparts.
- Discount for Low Mileage – Low annual miles may allow you to get better rates on cars that stay parked.
- Omaha Homeowners Pay Less – Being a homeowner may earn you a small savings because it requires personal responsibility.
One thing to note about discounts is that some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.
Some of the insurance companies that may offer some of the above discounts include:
When getting free Omaha auto insurance quotes, it’s a good idea to every insurance company which discounts you qualify for. Savings might not be offered on policies everywhere. To choose providers that offer many of these discounts in Omaha, follow this link.
Chevy TrailBlazer Insurance Rate Factors
A large part of saving on insurance is knowing some of the elements that aid in calculating your premiums. If you understand what influences your rates, this helps enable you to make changes that could help you find cheaper rates. Lots of things are used when quoting car insurance. Some factors are common sense such as your driving record, but other factors are not as apparent such as whether you are married or your financial responsibility.
The list below includes some of the items used by companies to determine your premiums.
Gender impacts premiums – Over the last 30 years, statistics show that women are safer drivers than men. It does not mean women are better drivers. Women and men are responsible for at-fault accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Male teenagers generally have the highest accident percentage and therefore are the most expensive to insure.
Pay more for higher performance vehicles – The type of vehicle you are insuring makes a huge difference in the rate you pay. The cheapest insurance rates are generally reserved for lower performance four cylinder passenger models, but that’s not the only thing that factors into the final price.
Extra policy coverages can add up – Insurance companies have many optional add-on coverages that you can get tricked into buying if you aren’t careful. Coverages for replacement cost coverage, accident forgiveness, and Farm Bureau memberships may be costing you every month. They may seem like a good idea when talking to your agent, but if you have no use for them get rid of them and save.
Theft deterrents lowers premiums – Owning a car with an alarm system can save you some money. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart car theft.
Defend yourself with liability protection – Liability coverage is the coverage that protects you if you are found liable for causing personal injury or damage in an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
How do annual miles impact rates? – Driving more miles annually the more you’ll pay to insure your vehicle. Many insurance companies charge rates based upon how you use the vehicle. Cars and trucks that sit idle most of the time qualify for better rates than those that get driven frequently. An improperly rated TrailBlazer may be costing you higher rates. It’s a smart idea to ensure your insurance policy is rated on the correct usage for each vehicle.
Certain employers pay higher prices – Careers like lawyers, airline pilots, and dentists generally have the highest average rates attributed to stressful work requirements and long work hours. Other jobs like professors, engineers and retirees pay the least.
Shop online but buy locally
Some people would prefer to have an agent’s advice and doing that can be a smart decision An additional benefit of price shopping on the web is that drivers can save money and get cheap rate quotes and also buy local.
By using this form (opens in new window), your insurance data is transmitted to local insurance agents in Omaha who will gladly provide quotes for your insurance coverage. It’s much easier because you don’t need to contact any agents due to the fact that quote results will go instantly to you. You can most likely find cheaper rates and an insurance agent to talk to. If you want to get a comparison quote from a particular provider, feel free to navigate to their website and complete a quote there.
Finding the right insurance company should depend on more than just the premium amount. Ask your prospective agent these questions:
- Does the agent help file claims?
- Do they offer rental car reimbursement?
- Are they in the agency full-time?
- How long has their agency been in business in Omaha?
- Are they able to provide referrals?
- Who are their largest clients?
- Do they have any clout with companies to ensure a fair claim settlement?
If you need to find a reliable insurance agency, you need to know there are two types of agencies and how they are slightly different. Auto insurance agencies can be described as either independent or exclusive.
Exclusive Auto Insurance Agencies
Agents in the exclusive channel can only provide one company’s prices and examples are American Family, State Farm, and Allstate. Exclusive agencies are unable to give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are well trained on their company’s products and that enables them to sell even at higher rates.
Shown below is a short list of exclusive insurance agents in Omaha who may provide you with rate quotes.
American Family Insurance – Shane Boring Agency Inc.
16855 Q St – Omaha, NE 68135 – (402) 932-5755 – View Map
Independent Auto Insurance Agents
Agents that choose to be independent often have many company appointments and that allows them to write policies with any number of different companies and find you the best rates. If they quote lower rates, your agent can just switch to a different company and you don’t have to switch agencies. When comparing rate quotes, you should always contact independent agents to have the most options to choose from.
The following is a list of independent agencies in Omaha that are able to give comparison quotes.
BW Insurance Agency, Inc.
13906 Gold Cir # 103 – Omaha, NE 68144 – (402) 918-0102 – View Map
Best car insurance company in Nebraska
Selecting the right auto insurance provider is difficult considering how many companies sell coverage in Nebraska. The ranking data displayed below may help you choose which coverage providers you want to consider to insure your vehicles.
Top 10 Omaha Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
- Progressive – 87%
Quote often and quote early
You just learned a lot of ways to lower your Chevy TrailBlazer insurance rates in Omaha. The key thing to remember is the more you quote Omaha auto insurance, the better your comparison will be. Drivers may even discover the lowest rates come from the smaller companies. Regional companies may have significantly lower auto insurance rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.
When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where drivers have reduced liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage at the best cost while not skimping on critical coverages.
Additional learning opportunities
- Think You’re a Safe Driver? (State Farm)
- How Much are Auto Insurance Rates for Drivers with Accidents in Omaha? (FAQ)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Auto Crash Statistics (Insurance Information Institute)