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Omaha, Nebraska Auto Insurance


More Cycling Opportunities for Omaha Commuters

The city of Omaha is facing deep budget cuts like many other cities around the United States this year, but they are not letting that stop them from actively finding ways to improve alternative transportation routes in the city. Creating bike lanes and educating residents of the benefits of biking to work should help lower overall car insurance rates in the city because it will reduce the number of miles many people drive, and will reduce the congestion on city streets.

Bike Coordinator Hired by City

The Omaha mayor recently created a new position in the city government. He hired Carlos Morales as the brand new Bike Coordinator. Morales will plan new ways to make Omaha more comfortable for bike riders who would rather leave their cars at home and ride their bikes to work. Morales has already discussed the need for more bike lanes throughout the city. He is moving to Omaha from Los Angeles, where there have already been substantial changes in the biking infrastructure. Omaha hopes that Morales can bring some of that experience to their streets.

Nebraska Weather Conducive to Biking

Residents who have already found ways to ride their bikes to work report that they usually only experience one or two days every year when the weather is too severe to ride their bike. They also report that they feel healthier since they began biking, and they have saved hundreds of dollars every year. Biking or walking to work saves you money on fuel costs, car maintenance, and car insurance. Most insurance companies will give you a substantial discount if you drive your car fewer miles each year. Keeping the car off the road more often reduces your chances of being involved in an accident, so you have a lower risk of ever needing to file a car insurance claim.

Debates over Feasibility of Special Bike Lanes

Not everyone in Omaha is excited about the prospect of adding bike lanes to the city streets. Some residents worry that the streets are too narrow for bike lanes to be safe. There is also some concern in the city about spending money to enhance alternative transportation while the city government is cutting back in many areas due to the budget crisis. The fact is, everyone in town will benefit from better access to alternative transportation for commuters. Car insurance rates will go down across the board if a large number of people begin to bike rather than drive.

City Working with Businesses to Make Omaha Bike-Friendlier

The city is already working with local businesses to improve the biking culture. Businesses are installing bike racks so that employees can park their bikes safely if they ride to work. Several bike lanes are already planned, and some are in progress. The trail system existing in limited parts of the city will be expanded so that it is more practical for daily riding. If you would like to learn about your insurance costs in Omaha, enter your zip code in the form on this page for more information.

Located in the State of Nebraska, Omaha residents are required to carry liability insurance before getting behind the wheel of their car or truck. The coverage is referred to as 25/50/25. This means that in the event of an accident the person at fault must pay $25,000 per person, up to a total of $50,000 per accident. Property damage is also set at $25,000.

Nebraska determines guilt or culpability through a tort system. If the state finds fault, the driver and their insurance company must then pay for all damages. There are several different types of coverage in Omaha, including uninsured/underinsured motorist liability. This vehicle policy covers bodily injury in case you're involved in an accident with an uninsured driver. This kind of vehicle coverage is not required by the state, however depending on how often you drive, you may want to consider this policy.

The reason for this is simple. Accidents happen on crowded streets and roadways, usually at slow speeds and near home or work. Risk for drivers has always been the number of cars on the road, not how fast you travel, although excessive speed can and will get you in trouble with the law. Omaha car insurers also offer comprehensive coverage to protect you against theft, mother nature, and other dangers.

Auto insurance companies take your driving record as well as other factors into consideration before writing a policy, including, where you live and how far you drive on a daily basis. Who drives your auto besides you, and where you park your vehicle overnight. Your age is a very big factor in how much premium you will have to pay. If you're under 25 and happen to be male, you will pay the highest rates. Your credit score also factors in. A good credit rating will lower your rates, while a bad one will cause you to pay more for your coverage.