Category: Auto Insurance

Why Omaha Drivers Should Consider Comprehensive Coverage for Wildlife Collisions

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Driving through Nebraska’s scenic landscapes is a pleasure for many Omaha residents, but it comes with its own set of risks. Wildlife collisions are a common occurrence on rural and suburban roads, especially during certain times of the year. Deer, raccoons, and other animals can unexpectedly cross your path, leading to accidents that cause significant damage to your vehicle. Comprehensive auto insurance is essential for protecting Omaha drivers from the financial burden of wildlife-related incidents. At Ally Insurance Brokers of Omaha, we help drivers find the right coverage to stay protected.

Understanding the Risks of Wildlife Collisions

Wildlife collisions can happen in an instant, often leaving drivers with little time to react. Nebraska’s rural areas and highways are particularly prone to these incidents, but even suburban roads in Omaha can see their fair share of wildlife activity. Damage from these collisions can range from minor dents to severe structural issues, and in some cases, they can lead to injuries. Comprehensive auto insurance ensures you’re covered for repairs and medical expenses, giving you peace of mind on the road.

Why Comprehensive Coverage Matters

While liability insurance is required by law, it doesn’t cover damage to your own vehicle. Comprehensive coverage fills this gap, protecting you from non-collision incidents like wildlife encounters, theft, vandalism, and weather-related damage. For Omaha drivers, comprehensive coverage is particularly valuable given the prevalence of wildlife on Nebraska roads. At Ally Insurance Brokers of Omaha, we work with drivers to ensure their policies include the protection they need.

Seasonal Risks for Omaha Drivers

Wildlife activity tends to increase during certain seasons, particularly in the fall when deer are more active during mating season. Early mornings and evenings are peak times for wildlife crossings, making it crucial for Omaha drivers to stay vigilant. Comprehensive auto insurance provides year-round protection, ensuring you’re covered no matter when an incident occurs.

Customizing Coverage for Omaha Drivers

Every driver’s needs are different, and your insurance policy should reflect that. Whether you commute daily through wildlife-prone areas or occasionally drive through rural Nebraska, comprehensive coverage can be tailored to fit your lifestyle. At Ally Insurance Brokers of Omaha, we specialize in creating personalized auto insurance plans for Omaha residents, ensuring you’re fully protected on the road.

Stay Protected Against Wildlife Risks

Don’t let unexpected wildlife collisions catch you off guard. Contact Ally Insurance Brokers of Omaha today to learn more about comprehensive auto insurance options. With the right coverage, you can drive confidently, knowing your vehicle is protected against Nebraska’s wildlife risks.

Seasonal Auto Insurance Adjustments: What Omaha Drivers Should Know

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As seasons change in Omaha, so do driving conditions. From icy winter roads to summer road trips, different seasons can present unique risks and challenges for drivers. But did you know that these changes can also impact your auto insurance needs? Let’s explore how seasonal changes can affect your auto insurance and why adjustments might be necessary.

Understanding Seasonal Risks

At Ally Insurance Brokers of Omaha, we understand that each season brings its own set of driving risks. Winter may bring icy roads and poor visibility, while summer might see an increase in road trips and vehicle use. These changes in driving habits and conditions can impact the potential risks you face on the road.

Adjusting Your Auto Insurance Coverage

Given these seasonal risks, it’s important to review and adjust your auto insurance coverage accordingly. For instance, you might consider increasing your collision coverage during winter months due to the increased risk of accidents. On the other hand, if you’re planning a summer road trip, you might want to look into roadside assistance coverage if you don’t already have it.

When to Review Your Auto Insurance Policy

While it’s a good practice to review your auto insurance policy annually, seasonal changes present a good opportunity to reassess your coverage. This ensures that your policy continues to provide the protection you need, no matter what the season.

How Ally Insurance Brokers of Omaha Can Help

At Ally Insurance Brokers of Omaha, we’re committed to helping Omaha drivers navigate their auto insurance needs. We can guide you through the process of understanding and adjusting your coverage to match the season’s risks.

Roadside Assistance: The Unsung Hero of Your Auto Insurance

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When you think of auto insurance, you likely think of collision coverage, liability coverage, and perhaps comprehensive coverage. But there’s another aspect of auto insurance that often flies under the radar, yet can be a real lifesaver when you need it: roadside assistance. At Ally Insurance Brokers of Omaha, we’re here to shine a spotlight on this unsung hero of auto insurance.

What is Roadside Assistance?

Roadside assistance is a type of coverage that can help you when you’re stranded on the side of the road. Whether it’s a flat tire, a dead battery, or an empty gas tank, roadside assistance can get you back on the road quickly and safely.

The Benefits of Roadside Assistance

Imagine you’re driving home late at night and your car breaks down. Or you’re on a road trip and you get a flat tire in an area with no cell service. In these situations, roadside assistance can be invaluable. It provides peace of mind, knowing that help is just a phone call away.

Adding Roadside Assistance to Your Policy

Many auto insurance policies offer roadside assistance as an optional coverage. It’s typically quite affordable, and it can save you a significant amount of money (and stress) in the event of a breakdown.

At Ally Insurance Brokers of Omaha, we’re committed to helping drivers in Omaha, NE understand the full range of protections their auto insurance can offer. If you have any questions about roadside assistance or any other aspect of your coverage, don’t hesitate to contact us.

The Biggest Risks on the Road

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Driving today is significantly safer than it was in the past, thanks to the advanced safety features and systems in modern cars. These include crumple zones, airbags, and warning sensors, which have greatly reduced the number of deaths and serious injuries resulting from car accidents. However, there are still many risks to be aware of. If you or your loved ones are in need of car insurance and live in or near Omaha, NE, consider contacting Ally Insurance Brokers of Omaha.

Risks on the Road

Other Drivers

Driver error often poses the biggest risk on many roads. Another driver could cause an accident through no fault of your own. It’s worth noting that drivers aged 19 or younger are responsible for nearly 10% of fatal car accidents, highlighting the importance of proper driving education for younger individuals.

Drunk Drivers

Alcohol-impaired driving fatalities accounted for approximately a third of all vehicle deaths in 2022. In 2019, 277 people died in Alabama due to alcohol-related accidents. Despite improvements over time, drunk drivers continue to pose a serious risk.

Bad Weather

Alabama often experiences powerful storms that can create hazardous conditions, such as fallen tree limbs and downed power lines. Flooding, which is common in the state, can quickly sweep vehicles away. While snow and ice are less common in Alabama than in other states, they still present risks.

Not Wearing Seat Belts

In Alabama, it’s a legal requirement for passengers and drivers in the front seat to wear a seat belt, although this isn’t the case for those in the rear seats. Despite this, many people choose not to wear seat belts. Over half of those killed in a passenger vehicle accident in Alabama were not wearing a seat belt. Therefore, wearing a seat belt is advisable, even when seated in the back.

If you’re convinced of the necessity of car insurance, contact Ally Insurance Brokers of Omaha for a quote!

Dealing with Roadside Emergencies: How Auto Insurance Can Help.

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Nobody likes to think about roadside emergencies, but they can happen to any driver at any time. Should one occur to a motorist in Des Moines, IA, it’s important to understand how your auto insurance can provide support.


Roadside Assistance Coverage

Many auto insurance policies include roadside assistance, which can be a real lifesaver in emergencies. This service could cover situations ranging from flat tires and dead batteries to a tank that’s out of gas or keys locked inside the car. It’s worth discussing with your agent at Ally Insurance Brokers of Omaha to ensure your policy includes this coverage.

Towing and Labor Costs

If your vehicle breaks down and cannot be repaired at the scene, most roadside assistance coverage includes towing to a nearby repair shop. Also, the coverage often extends to labor costs for small repairs done on the spot.

Accident and Collision Assistance

If a roadside emergency is due to an accident, your collision insurance steps in. Collision coverage pays for repairs to your vehicle if you hit another vehicle or object, flip your car, or if your car rolls over.

Rental Car Reimbursement

If your vehicle is in the repair shop for a few days due to a covered claim, rental reimbursement coverage will cover the cost of a rental car. Ask your agent how your policy handles these scenarios.

Every road trip should be a joy, not a source of stress. Let the experienced team at Ally Insurance Brokers of Omaha guide you through the process of setting up coverage that will give you confidence on every journey.