Chapman, NE Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Chapman, NE, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Buy Cheapest Auto Insurance in Chapman, NE
The average cost of car insurance in Chapman, NE, is $1,325. Car insurance is a must for all the car owners in Chapman, NE. However, all insurance policies are not the same. They may vary in nature from one another. Therefore, it is necessary to understand what your policy covers if you are at fault in an accident. Auto insurance in Chapman, NE, can help cover medical costs, car repairs, and lawsuit costs related to auto accidents. In order to determine the policy that best suits your needs, it is essential to complete detailed comparisons of the different prices and terms available. Here are a few factors that help determine the cost of car insurance in Chapman, CE.
a. By obeying driving regulations
The way you drive and how your car is used has a significant impact on your car insurance rates in Chapman, NE. Insurance companies offer discounts for drivers with clean driving history on car insurance rates in Chapman, NE. For example, car drivers running a red light or driving with an expired registration must pay +$309 and +$136 extra on the total cost of car insurance in Chapman, NE.
Refer to the graph below to understand the car insurance rates per driving violation in Chapman, NE.
b. By opting for a lower deductible
Car drivers can save on auto insurance when they increase their deductible. Higher deductibles can lead to low insurance costs, but you pay more out of pocket if you have a car accident or claim. Before choosing a higher deductible, be sure you have adequate money set aside to cover it in the occurrence of a claim.
The higher the deductible, the lower the auto insurance rates in Chapman, NE. Auto drivers in Chapman who opt for a low deductible of 500 pay $1365, whereas those who opt for a high deductible of 1000 pay $1153. Here, by paying a higher deductible, you can save up to $212.
c. By availing of multi-car discounts
Insurance companies might offer you a more reasonable price if you buy two or more policies from them, like auto and homeowner’s coverage. Bundling your policies can make life easier in other ways, too. For example, in Chapman, NE, car owners pay $2,279 on two vehicles and $3,419 on three cars. They can save up to $371 and $557 on car insurance rates in Chapman, NE.
Factors that can influence the cost of car insurance in Chapman, NE are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Chapman, NE Auto Insurance Rates
- Chapman, NE Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Chapman, NE
- Multi Vehicle Insurance Savings in Chapman, NE
- How Credit Score Affects Car Insurance Rates in Chapman, NE
- How DUI Affects Auto Insurance Premiums in Chapman, NE
- Top Auto Insurance Agents Near Chapman, NE
- How Driving Violations Affect Auto Insurance Rates in Chapman, NE
- Chapman, NE Auto Insurance Discounts on Anti Theft Feature
Chapman, NE Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Chapman, NE with that of other cities in and around Chapman.
| Chapman | Saunders County | Newman | Weston | Mariposa | Stocking | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,325 | $1,337 | $1,432 | $1,262 | $1,315 | $1,463 |
Chapman, NE Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Chapman, NE based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Chapman | $1,365 | $1,153 |
| Weston | $1,345 | $1,136 |
| Newman | $1,392 | $1,175 |
| Saunders County | $1,101 | $930 |
| Malmo | $1,379 | $1,165 |
| Mariposa | $1,483 | $1,253 |
| Stocking | $2,378 | $2,009 |
| Wahoo | $1,453 | $1,228 |
Chapman, NE Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Chapman, NE usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,299 |
| 20 Years | $1,702 |
| 30 Years | $1,311 |
| 40 Years | $1,262 |
| 50 Years | $1,168 |
| 60 Years | $1,185 |
| 70 Years | $1,379 |
Chapman, NE Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Chapman, NE can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,279 | $371 |
| 3 Vehicles | $3,419 | $557 |
| 4 Vehicles | $4,558 | $742 |
Savings on 2 Vehicles bundle:$371
Savings on 3 Vehicles bundle:$557
Savings on 4 Vehicles bundle:$742
Chapman, NE Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Chapman, NE.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Chapman | $1,325 | $1,949 |
| Weston | $1,262 | $1,856 |
| Newman | $1,432 | $2,106 |
| Saunders County | $1,337 | $1,966 |
| Malmo | $1,292 | $1,900 |
| Mariposa | $1,315 | $1,934 |
| Stocking | $1,463 | $2,152 |
| Wahoo | $1,315 | $1,934 |
Chapman, NE Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,137 |
| Excellent (740-799) | $1,298 |
| Good (670-739) | $1,381 |
| Average (580-669) | $1,801 |
| Poor (300-579) | $2,161 |
Chapman, NE Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Joe Hurley | State Farm | 6315 Center St Ste 102, Omaha, 68106-2859 | 402-731-6017 |
| Accolade Insurance | Travelers | 7431 Pacific St, Omaha, 68114 | None |
| Floyd Brown | Allstate | 6318 N 73rd Plz, Omaha, 68134 | (402) 513-0944 |
| Nebraska Farmers Agency Co. | None | 502 N. Linden, Wahoo, 68066 | None |
| Angie Lintz | State Farm | 5484 N 90th St, Omaha, 68134-1804 | 402-991-7366 |
| Midland Insurance Agency | None | 1918 N 203Rd St Elkhorn, Omaha, 68022 | (402) 506-7595 |
| Joe Falcone | State Farm | 920 S 107th Ave Ste 101, Omaha, 68114-4719 | 402-391-6100 |
| Don Kroupa Insurance Agency | None | 12865 Deauville Dr, Ste 1, Omaha, 68137 | None |
| Moores Ins & Investments | Liberty Mutual Independent | 11218 JOHN GALT BLVD STE 105, OMAHA, 68137 | (402) 391-2900 |
Chapman, NE Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$58 | $1,383 |
| Driver's Failure In Showing Documents | +$129 | $1,454 |
| Driving With An Expired Registration | +$136 | $1,461 |
| Driving At A Considerably Slow Pace | +$288 | $1,613 |
| Using A Cellphone While Driving | +$303 | $1,628 |
| Running A Red Light | +$309 | $1,634 |
| Speeding | +$325 | $1,650 |
| Driving A Vehicle Without The Required Permission | +$412 | $1,737 |
| Driving With An Expired/Suspended License | +$893 | $2,218 |
Chapman, NE Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,272 |
| Active Disabling Device | $1,272 |
| Tracking Device | $1,246 |
| Passive Disabling Device | $1,232 |