If you’re looking to buy auto insurance, there are a lot of options and choosing the right Omaha insurance agency takes more work than just calling the closest agent. Consumers need a good agent, and also want to find affordable rates.
Online insurance companies like Geico and Progressive increase brand awareness with catchy ads and consumers find it hard to separate fact from fiction and find the best price available.
Local Omaha auto insurance agents
Insurance agents are trained to spot inefficiencies and help you file claims. One of the great benefits of comparing rates online is you can get lower rates and still choose a local agent.
To make it easy to find an agent, after completing this simple form, your insurance data is emailed to companies in Omaha who will battle for your insurance coverage. You never need to leave your house as quotes are delivered to the email address you provide. How’s that for easy!
Selecting an insurance agency requires more thought than just the price. Any agent should be forthright in answering these questions:
- Are they full-time agents?
- If your car is totalled, how to they determine the replacement cost?
- Is the agency involved in supporting local community causes?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Which company do they place the most coverage with?
- How much can you save by raising your physical damage deductibles?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do the companies they represent have a solid financial rating?
If you prefer to contact a specific insurance agent in Omaha, please click here.
Upon getting acceptable answers for all questions you ask and a low price estimate, chances are good that you have found an auto insurance agent that is a good match to insure your vehicles.
Can you save money by buying online?
Professional insurance agents can be invaluable at times, but you also have the option of buying direct from companies online. Certain auto insurance companies that sell primarily through agents also permit you to buy direct on their websites, and that is helpful.
If you’re uncomfortable with not having an agent to talk to when buying online, this really isn’t an issue. Companies that require consumers to choose their own coverages provide access to licensed agents to answer any questions you may have. They also have the ability to chat online live with a sales rep and online research to help you make a buying decision.
Do people save by buying online? It’s hard to say exactly since companies use quite a few components that impact your premium. It’s logical to say that shopping direct saves the cost of an agent commission. For most companies selling online, however, online and traditional media advertising are expensive so rates may not be all that different from traditional agents.
More effort can pay off
When shopping online for auto insurance, never reduce coverage to reduce premium. There are many occasions where someone dropped liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage for the lowest price while not skimping on critical coverages.
Low-cost auto insurance is possible online as well as from independent agents in Omaha, and you should be comparing both to have the best selection. Some insurance companies don’t offer online quoting and these small, regional companies work with independent agents.
Find out more about auto insurance
More detailed Nebraska auto insurance information can be read at the Nebraska Department of Insurance website. Visitors are able to get help finding coverage, read state legal mandates and laws, and discover disciplinary actions.