For people living in Omaha, it’s a great idea to call the Nebraska Department of Insurance before purchasing a new car insurance policy. The representatives of this office are authorized to tell consumers whether specific auto insurance companies can legally sell policies. Although this may seem an unnecessary step, it can actually be the difference between security and disaster in the event of an accident.
Once you know a company is on the up and up, it’s time to consider whether they are in a position to offer cheap car insurance in Omaha, Nebraska. There are many factors that go into calculating what an individual pays including:
o The driver’s age. Younger drivers and often older drivers face the highest premiums.
o The make and model of the car. Newer cars aren’t always more expensive to insure. Cars that are a high risk for theft or accidents usually cost the most and should be avoided.
o The driver’s history. Keeping a clean driving record is the best way to find cheap car insurance rates. Insurance companies frown on drivers who collect speeding citation and get in numerous fender benders.
o The number of cars insured. Many families have two or more cars and putting them both on the same policy can help reduce insurance costs for one or both. In this case it’s a good idea to inquire about a quote from more than one company beginning with both drivers’ current insurance companies.
o The area you live. Some neighborhoods in Omaha are deemed higher risk than others for theft or vandalism. Ask about this and also inquire about a discount if you do live in an unfavorable neighborhood but your car is stored in a locked garage.
It can take some time, insight and research to find a good car insurance rate. Most agents will work with prospective clients to find a policy that provides coverage at an acceptable rate.