Having to pay for overpriced auto insurance can take a big chunk out of your personal savings and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill.
Companies like State Farm, Farmers Insurance, GEICO and Allstate all claim big savings with fancy advertisements and it can be hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.
Companies offering auto insurance do not list all available discounts in a way that’s easy to find, so here is a list both the well known as well as the least known auto insurance savings.
A little note about advertised discounts, most discounts do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren’t that generous.
For a list of insurers offering auto insurance discounts in Nebraska, click here to view.
Smart consumers have a good feel for the different types of things that come into play when calculating your auto insurance rates. Understanding what impacts premium levels helps enable you to make changes that may reward you with big savings.
The list below includes some of the items that factor into rates.
Some consumers would rather visit with an insurance agent and there is nothing wrong with that. The best thing about price shopping on the web is the fact that you can find the best rates and still have an agent to talk to.
To find an agent, once you fill out this short form, your information gets sent to participating agents in Kearney who will return price quotes for your coverage. You don’t have to leave your house due to the fact that quote results will go immediately to your email address. It doesn’t get any easier! You can find the lowest rates and an insurance agent to talk to.
Selecting an insurance company requires more thought than just a low price. Agents should be asked these questions:
If you prefer to view licensed agents in Kearney, please view this page.
After getting satisfactory answers to any questions you have and locked in a price quote, you may have just found an insurer that can provide auto insurance coverage.
Companies like State Farm, GEICO and Progressive constantly bombard you with ads in print and on television. All the ads make an identical promise that you’ll save big if you switch to them. How does each company say the same thing?
All the different companies have a certain “appetite” for the driver that makes them money. For example, a desirable insured could be a mature driver, insures multiple vehicles, and drives newer vehicles. A driver that hits that “sweet spot” will get the preferred rates and as a result will probably save when they switch companies.
Potential customers who are not a match for the “perfect” profile will have to pay a more expensive rate and ends up with business going elsewhere. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. This is how companies can truthfully make the claims of big savings. Because of the profiling, drivers should get as many quotes as possible. It’s not possible to predict the company that will give you the biggest savings.
More detailed Nebraska auto insurance information can be found at the Nebraska Department of Insurance website. Nebraska consumers can view agent and company licensing information, read state legal mandates and laws, file complaints about a company, and learn about specific coverages.
We covered a lot of information how to compare auto insurance prices online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. You may be surprised to find that the biggest savings come from some of the smallest insurance companies. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Progressive or GEICO.
When you buy insurance online, never reduce needed coverages to save money. There have been many situations where an insured dropped liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.