Learn How to Pay Less and Get More for Lexington Nebraska Auto Insurance

Overwhelmed by the number of auto insurance choices in Lexington? You’re not the only one! Consumers have so many options available that it can quickly become a lot of work to compare prices.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these techniques. Locating affordable coverage in Lexington is simple if you know the tricks. Although Nebraska drivers should learn how insurance companies market insurance on the web and take advantage of how the system works.

How to Lower Your Auto Insurance Cost in Lexington

Most major insurance companies such as 21st Century, Allstate and State Farm allow you to get price estimates online. The process is pretty easy as you simply enter the coverage amounts you desire into a form. Once entered, their rating system will order your driving and credit reports and provides a quote determined by many factors.

Being able to quote online makes it a lot easier to compare rates but the process of having to visit several different sites and complete many quote forms is monotonous and tiresome. But it’s absolutely necessary to perform this step in order to find a better rate.

There is a better way to compare rates

The quickest way to get multiple rate quotes uses one form that gets price quotes from more than one company. The form is fast, eliminates form submissions, and makes online price comparison much more efficient. After your information is entered, your coverage is rated and you can select your choice of the pricing results. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The whole process just takes a couple of minutes and may save quite a bit of money.

To get comparison pricing now, click here to open in a new tab and enter your information. If you have coverage now, it’s recommended that you enter your coverages as close as possible to your current policy. Using the same limits helps guarantee you will receive comparison quotes using the same coverage and limits.

Understand what determines the rate you pay

It’s important that you understand some of the elements that help determine auto insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.save money in Lexington NE

  • Drive less and save money – Driving more miles each year the higher your rates will be. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars that are left in the garage can get a lower rate than those used for commuting. Verify your auto insurance coverage properly reflects the proper vehicle usage, because it can save money.
  • Low deductibles can be expensive – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims are collision with another vehicle, damage caused by hail, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend out-of-pocket before a claim is paid by your company. The higher the amount you’re willing to pay, the lower your rates will be.
  • Safer cars are cheaper to insure – Cars with high safety ratings are cheaper to insure. Safer cars have better occupant injury protection and better occupant protection means lower claim amounts and lower rates for you.
  • Frequent auto insurance claims increase rates – Car insurance companies in Nebraska award discounts to insureds who file claims infrequently. If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Having a spouse can save you money – Having a spouse actually saves money when buying auto insurance. It translates into being more mature and responsible and it’s proven that being married results in fewer claims.
  • Careful drivers pay lower rates – Careful drivers receive lower rates compared to drivers with tickets. Even a single speeding ticket can boost insurance rates twenty percent or more. Drivers who get flagrant violations like reckless driving, hit and run or driving under the influence may be required to file a SR-22 to the state department of motor vehicles in order to keep their license.
  • Lower rates come with age – Youthful drivers in Nebraska are statistically proven to get distracted easily in a vehicle so they pay higher auto insurance rates. Mature drivers are more responsible, tend to cause fewer accidents and are safer drivers.

Discounts are basically free money

Auto insurance companies don’t always advertise all available discounts in a way that’s easy to find, so we took the time to find some of the more common and the more hidden discounts you could be receiving.

  • Auto/Life Discount – Some companies give lower rates if you buy life insurance from them.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Multi-policy Discount – When you have multiple policies with the same company you may earn at least 10% off all policies.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • More Vehicles More Savings – Having multiple cars or trucks on the same auto insurance policy qualifies for this discount.
  • Save over 55 – If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off with select insurance companies.
  • Low Mileage Discounts – Keeping the miles down could qualify for lower rates on the low mileage vehicles.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates than drivers with accident claims.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce specific coverage prices like medical payments or collision. Even though it may seem like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

For a list of insurers with discount auto insurance rates in Lexington, click this link.

Don’t I need to talk to an agent?

Certain consumers would prefer to buy from a local agent and that is just fine! The biggest benefit of getting online price quotes is you may find better rates but still work with a licensed agent.

For easy comparison, once you complete this form (opens in new window), your insurance data is emailed to insurance agents in Lexington who will battle for your insurance coverage. You don’t have to even leave your home due to the fact that quote results will go straight to your inbox. How’s that for easy! Get lower rates and an insurance agent to talk to.

Deciding on a company shouldn’t rely on just the price. Agents should be asked these questions:

  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Do they regularly work with personal auto policies?
  • Does the agency support the community they serve?
  • Is their price quote a firm figure or are their hidden costs?
  • What insurance companies do they recommend if they are an independent agent?

If you want to contact a specific insurance agent in Lexington, simply jump to this page.

Once you have received acceptable answers to these questions as well as a affordable price, most likely you have located an provider that can provide auto insurance coverage.

Summing up your auto insurance search

The cheapest auto insurance can be bought online in addition to many Lexington insurance agents, and you should be comparing both to get a complete price analysis. A few companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

save money concept

People leave their current company for a number of reasons such as not issuing a premium refund, policy cancellation, an unsatisfactory settlement offer or unfair underwriting practices. Regardless of your reason, choosing a new company is actually quite simple.

Throughout this article, we presented quite a bit of information on how to lower your auto insurance rates. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from some of the lesser-known companies.

More detailed Nebraska auto insurance information is available at the Nebraska Department of Insurance website. Visitors are able to find disaster information, discover disciplinary actions, and learn about specific coverages.

Other informative sites include this page for auto insurance prices in Nebraska and this list of insurance agents in Lexington, NE.