If you are shopping for Omaha car insurance then make sure you find the best rates by using our free Omaha, NE car insurance quote finder. This makes comparison shopping for your Omaha auto insurance policy quick and simple!

Here are five quick tips for finding the best Omaha car insurance coverage for you.

1. Know The Nebraksa State Auto Insurance Requirements

Each state has different laws and regulations regarding car insurance policies. In Nebraska, drivers and owners of registered vehicles are required to have a certain amount of auto insurance coverage. The Nebraska minimum auto insurance requirements are:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability

Depending on your situation, you may want to consider adding more coverage to your policy so that you will be well protected in the event of an accident. The minimum coverage required that is listed above only covers the medical expenses and property damages of the other driver, and will not pay for any of your own expenses.

The state of Nebraska is a tort state for auto insurance, which means that when an accident occurs someone must be found to be at fault for causing the accident. Consequently, that person and their auto insurance company will be responsible for paying all the damages.

Some commonly purchased auto insurance coverage that is not required by state law but that you may want to consider adding to your Omaha auto insurance policy includes:

• Uninsured/Underinsured Motorist: This will protect you if you are ever in an accident where the driver who is found to be at fault is uninsured and/or underinsured.
• Collision: This will cover damages to your car when in an accident.
• Comprehensive: This will cover damages to your car that are non accident related (fire, theft, etc.)
• Personal Injury Protection: This will cover you and your passenger’s medial expenses in an accident.

Make sure you have the Omaha, Nebraska car insurance coverage that you need by using our free Omaha car insurance quote finder right now!

2. Understand Your Omaha Car Insurance Rates

Before you purchase a car insurance policy, it may be helpful to understand how your Omaha car insurance rates are determined.

Each Omaha, NE auto insurance company can set your rates however they choose. The state of Nebraska does not fix or set the car insurance rates. This means that it is very unlikely that any two auto insurance companies would determine their rates in exactly the same manner, which makes it crucial to shop around to find the best rates.

It is important to remember that no one auto insurance company is the absolute best choice for everyone. Even though someone you know may have found the best rates at one auto insurance company, that same company might set your rate very high. Shopping around is the only way to ensure that you are getting the best rates possible.

Some of the most common factors that car insurance companies do use to determine rates include:

• Location
• Age
• Gender
• Vehicle
• Credit Score
• Driving History
• Claims Record

3. Know What To Look For In An Omaha Auto Insurance Company

While having the lowest rate may be the number one priority when choosing an auto insurance company, it may not be the only thing you want to consider. Here are some questions that may be helpful to ask about potential Omaha auto insurance providers when making your decision.

• How long has the company been in business? You will want to know that you are working with an experienced company.
• Does the company have a good reputation? If you know someone who has purchased auto insurance through them, ask how the service has been. Or you can read reviews about potential auto insurance companies online.
• What kind of claims service does the company offer? If you ever do need to make a claim you want it to be as simple as possible for you. Does the company offer online or 24 hour claims service?
• What kind of discounts do they offer? Does the company have any discounts that could help save you money on your auto insurance policy?
• How do their rates compare? Of course, you will want to find out how competitive their rates are. Use our free Omaha car insurance rate tool to see which companies can offer you the lowest rates now!

4. Look for Cheap Omaha Car Insurance

Finding ways to save on auto insurance in Omaha may sound difficult. But there are a few things that you can try to save money on your car insurance policy.

• Discounts: Many auto insurance companies offer discounts that can be a great way to save on car insurance. Some common examples include safe driver, safe vehicle, good student, low mileage, military and senior.
• Higher Deductible: Choosing a higher deductible, yet one that you can still afford to pay in case of an accident, will help you to have a cost efficient auto insurance policy.
• Credit Score: Having a good credit score is another thing that may help you find lower rates, as many companies factor in your credit score when determining your auto insurance rates.
• Coverage: Know what coverage you want on your policy and avoid adding unnecessary coverage. Eliminating coverage that is unnecessary from your policy is a great way to lower the cost of auto insurance. 

5. Comparison Shop For Omaha Car Insurance

Many people don’t fully understand the importance of comparison shopping when it comes to auto insurance. Unless you shop around and compare quotes there is no way that you can know where the lowest rates on Omaha auto insurance are for you.

Get started saving money on your Omaha auto insurance policy now by using our free Omaha car insurance quote finder!