The most effective way to save money on car insurance rates is to do a yearly price comparison from insurance carriers in Omaha.
- Spend some time learning about the coverage provided by your policy and the steps you can take to keep rates in check. Many factors that increase rates like distracted driving and an imperfect credit score can be remedied by making minor changes to your lifestyle.
- Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agents can quote prices for a wide range of companies. View prices
- Compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you find a lower rate quote and buy the policy, make sure coverage is continuous and does not lapse.
One piece of advice is to use similar coverage information on every price quote and and to get quotes from as many carriers as you can. Doing this provides a fair rate comparison and a complete selection of prices.
It’s a fact that insurance companies don’t want you to look for a cheaper policy. Insureds who shop around will, in all likelihood, switch to a new company because of the high probability of finding a more affordable policy premium. A recent survey discovered that drivers who routinely shopped for cheaper coverage saved over $865 a year compared to people who never compared other company’s rates.
If saving the most money on auto insurance in Omaha is why you’re here, then having some insight into how to choose a company and compare insurance rates can make it easier for you to save money.
Finding the cheapest insurance coverage in Omaha is much easier if you have a good place to start. If you currently have a car insurance policy, you should be able to get lower rates using the tips covered below. Consumers just need to use the tricks to shop for insurance instantly.
How to compare Omaha Suzuki Aerio insurance rate quotes
Most major insurance companies like GEICO, State Farm and Progressive provide prices for coverage online. Obtaining pricing for Suzuki Aerio insurance in Omaha is very simple as you just enter the coverages you want on the page. When the form is submitted, their quoting system obtains your driving record and credit report and generates pricing information based on many factors.
Being able to quote online for Suzuki Aerio insurance in Omaha simplifies rate comparisons, and it’s also necessary to compare as many rates as possible in order to get affordable prices.
In order to compare pricing, check out the insurance providers below. To compare your current rates, we recommend you complete the form with deductibles and limits just like they are on your policy. Using the same limits helps guarantee you will get rate comparison quotes based on the exact same insurance coverage.
The companies shown below can provide price comparisons in Nebraska. If your goal is to find the cheapest auto insurance in NE, we recommend you visit two to three different companies to find the most competitive car insurance rates.
Omaha insurance discounts for a Suzuki Aerio
Companies don’t always advertise every discount they offer in an easy-to-find place, so below is a list some of the more common and the harder-to-find discounts that you can inquire about if you buy Omaha auto insurance online.
- Military Rewards – Being on active deployment in the military could qualify you for better prices.
- Buy New and Save – Buying a new car model can cost up to 25% less compared to insuring an older model.
- Professional Organizations – Having an affiliation with qualifying employment or professional organizations is a good way to get lower rates on auto insurance.
- Federal Government Employee – Having worked for a branch of the government can save as much as 8% with some auto insurance companies.
- Early Payment Discounts – By paying your entire bill at once rather than paying monthly you could save 5% or more.
- Defensive Driver Discount – Completing a course in defensive driver could cut 5% off your bill and make you a better driver.
- One Accident Forgiven – Not really a discount, but a few companies such as State Farm and Allstate will let one accident slide before raising your premiums so long as you haven’t had any claims prior to the accident.
- Discounts for Multiple Vehicles – Drivers who insure more than one vehicle on one policy may reduce the rate for each vehicle.
A quick disclaimer, most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way.
A list of auto insurance companies and some of their more popular discounts can be found below.
- State Farm has savings for defensive driving training, Drive Safe & Save, anti-theft, student away at school, Steer Clear safe driver discount, good driver, and driver’s education.
- Progressive may include discounts for homeowner, online signing, online quote discount, multi-vehicle, good student, and continuous coverage.
- Progressive policyholders can earn discounts including online signing, multi-policy, homeowner, good student, online quote discount, and multi-vehicle.
- MetLife offers discounts for good student, multi-policy, defensive driver, claim-free, good driver, accident-free
- Farm Bureau includes discounts for youthful driver, multi-policy, good student, renewal discount, and multi-vehicle.
- GEICO may offer discounts for air bags, military active duty, seat belt use, multi-policy, anti-lock brakes, and daytime running lights.
- SAFECO offers discounts including safe driver, teen safety rewards, multi-car, anti-lock brakes, and drive less.
When getting a coverage quote, ask all the companies which discounts you may be entitled to. Some discounts listed above may not apply to policies in Omaha. To locate companies who offer online Suzuki Aerio insurance quotes in Omaha, click here.
It may be expensive, but it’s not optional
Despite the high cost of buying insurance for a Suzuki Aerio in Omaha, auto insurance is mandatory in Nebraska but it also protects more than you think.
- The majority of states have mandatory insurance requirements which means the state requires specific limits of liability insurance in order to drive the car legally. 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 Suzuki Aerio, it’s guaranteed your bank will force you to have full coverage to guarantee loan repayment. If you do not keep the policy in force, the bank or lender will purchase a policy for your Suzuki for a lot more money and require you to reimburse them for the expensive policy.
- Auto insurance preserves both your assets and your car. It will also cover most medical and hospital costs for not only you but also any passengers injured in an accident. Liability coverage will also pay to defend you if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of having insurance are without a doubt worth the cost, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver overpays more than $855 a year so it’s important to compare rates at every policy renewal to make sure the price is not too high.
Don’t I need to talk to an insurance agency?
A lot of people still prefer to talk to a local agent and that is OK! Good agents are very good at helping people manage risk and help in the event of a claim. One of the best bonuses of comparing auto insurance online is the fact that you can find cheaper rates but also keep your business local.
Upon completion of this quick form, your insurance data gets sent to insurance agents in Omaha who will return price quotes for your coverage. You won’t need to find an agent since rate quotes are delivered immediately to your email address. If you wish to quote rates from a specific auto insurance provider, you just need to go to their quote page and fill out their quote form.
Choosing an provider should include more criteria than just the price. Any agent in Omaha should be forthright in answering these questions:
- Do they get paid more for recommending certain coverages?
- Is the agency involved in supporting local community causes?
- Are they giving you every discount you deserve?
- How much can you save by raising your physical damage deductibles?
- Will they take your side in the event of a claim?
Coverages available on your auto insurance policy
Understanding the coverages of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.
Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like ambulance fees, pain medications, funeral costs and X-ray expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is not universally available and may carry a deductible
Comprehensive protection – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers things like damage from a tornado or hurricane, a broken windshield, hail damage, falling objects and hitting a bird. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Liability coverages – This will cover damage that occurs to people or other property. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability can pay for claims like loss of income, pain and suffering, legal defense fees and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford. Nebraska requires drivers to carry at least 25/50/25 but you should consider buying better liability coverage.
The illustration below demonstrates why the minimum limit may not provide adequate coverage.
Uninsured or underinsured coverage – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people carry very low liability coverage limits (25/50/25), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like rolling your car, crashing into a ditch, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also increase the deductible on your Aerio to save money on collision insurance.