For drivers in Nebraska, the best way to protect against financial stress due to a car accident is with auto insurance. Of course, you see ads everywhere for low-cost auto coverage. How can you find the insurance you need with the coverage and protection you can count on? Omega Insurance Group, an independent insurance agency, partners with several top-rated insurance carriers to provide great auto insurance options for a wide variety of Nebraska residents. We offer discounts based on a number of different qualifications and we’ll help you find affordable rates on insurance plans that don’t sacrifice value for economy.
Although Nebraska law only requires you to carry minimum liability coverage, you can probably get higher liability limits as well as additional coverages to protect you and your vehicle for much less money than you would expect. Call today if you need to insure a new driver, get a rate review on existing coverage or just ask questions about auto insurance for you and your family.
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Questions and Answers
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It s a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Some general terms and coverages in an auto insurance policy include:
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Collision coverage pays for crash-related damages to your insured vehicle.
- Comprehensive insurance covers non-crash-related damages to the insured vehicle.
- Uninsured/Underinsured motorist insurance covers damages or injuries related to a hit-and-run or an encounter with an uninsured/underinsured driver.
Why do I need auto insurance?
It’s really about protecting yourself from the financial burden that an auto accident can put on you and your family.
- If you’re in an accident, car is stolen or even something as frequent and common as hail damage, it can cost a lot of money to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your car is responsible for damage or injury to others, you may be sued for much more than you are able to pay.
- The State of Nebraska requires you to have a minimum of liability coverage.
- If you are leasing or financing your vehicle, your lender will also have minimum requirements during the term of the financial agreement.
Mike has been my insurance agent ever since I moved to Lincoln. He is always a phone call away and will do everything he can to make sure that my needs are handled. Whether that be making house calls to discuss life insurance with me and my husband or climbing up on the roof to making sure our new home will have coverage or calling me back on a Sunday afternoon because we bought a new car over the weekend. I trust Mike to find the best insurance for me and my family. Highly recommend!!Jessica A.Lincoln NE
I have known Mike for nearly 50 years and have known him as a business professional and insurance agent for nearly 20 years. Mike has written the insurance on all my family’s autos and homes since he entered the business as an insurance professional. I have known Mike to be forthright, honest and very ethical and he always looks out for my family’s best interests when taking care of our insurance needs. I never have to worry about Mike selling us insurance coverage that we don’t need. He is very thorough in reviewing our insurance needs with me and makes thoughtful recommendations . Mike is very knowledgeable in all areas of insurance and his primary concern is to make sure his clients have the necessary protection in place at the most affordable cost. Mike has also been very responsive when I have questions regarding our insurance. If he doesn’t know the answer to a question, he takes it upon himself to do the necessary research and gets back to me in a timely manner. Mike has also been an advocate for us on those rare occasions when we have had to file an insurance claim. I never have to worry about a claim not being handled in a fair and timely manner as Mike takes it upon himself to follow-up with the claims personnel to ensure the matter is being handled. Mike will always be my insurance agent. With him as my agent, it simply takes away one less thing that I have to worry about. In today’s busy world, that peace of mind is priceless. Patrick D.Lincoln NE
We can’t say enough about the customer service and the knowledge that Tracy and all of the agents have at Omega Insurance Group! Whenever, we have had a question, Tracy has addressed it immediately. Tracy is always checking to make sure that my husband and I have the best coverage for the best price! We know we are in good hands with Tracy at Omega Insurance Group!Pam & Floyd B.Lincoln NE