Chapman Auto Insurance Rates, Quotes, Agents & Reviews in NE

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.

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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 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