Methods for Effectively Comparing Holdrege Nebraska Auto Insurance Rates

Have you had enough of scraping the payment together to insure your vehicles every month? You are no different than most other car owners in Nebraska. Drivers have so many car insurance companies to pick from, and although it’s nice to have a choice, so many choices can make it hard to adequately compare rates.

Smart consumers take time to check auto insurance prices at least once a year due to the fact that insurance rates change regularly. Just because you had the best price a year ago a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because you’re about to find out how to use the internet to lower your rates without sacrificing coverage.

How to Compare Auto Insurance Costs in Holdrege, NE

Getting better auto insurance pricing doesn’t have to be difficult. The only requirement is to invest a few minutes to get quotes provided by online insurance companies. This can be done in just a few minutes using one of these methods.

  1. The single most time-saving way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This easy form prevents you from having to do separate forms to each individual auto insurance company. One quote request compares rates from multiple low-cost companies.
  2. A harder way to compare rate quotes consists of going to each company’s website to complete their respective quote request forms. For sake of this example, we’ll assume you want rates from Nationwide, State Farm and Progressive. To get rate quotes you would need to go to every website to input your insurance information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in Holdrege, click here.

  3. The least recommended method of comparing rate quotes is driving to and from local Holdrege insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you want the personal advice of a local Holdrege agent. You can, however, obtain prices from the web but still have the advice of a local agent.

Whichever way you use, be sure to compare identical quote information for each price quote. If each company quotes different limits and deductibles on each one it’s impossible to make a fair comparison in Holdrege.

How much can you save with discounts?

Car insurance companies don’t always publicize every available discount in an easy-to-find place, so here is a list both the well known as well as the least known ways to save on auto insurance. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Federal Employees – Simply working for the federal government can earn a discount up to 10% with select insurance companies.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could save 15% off your medical payments premium.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Homeowners Discount – Simply owning a home may trigger a auto insurance policy discount because owning a home is proof that your finances are in order.
  • Accident Free – Claim-free drivers can save substantially compared to frequent claim filers.
  • Early Signing – Select companies give a discount for switching policies before your current expiration date. This can save 10% or more.

As a disclaimer on discounts, some credits don’t apply the the whole policy. A few only apply to individual premiums such as comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky.

For a list of providers who offer auto insurance discounts in Holdrege, click this link.

You may need specialized coverage

When choosing adequate coverage, there isn’t really a one size fits all plan. Each situation is unique so your insurance needs to address that. For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

Holdrege insurance cheap

  • Do I pay less if my vehicle is kept in my garage?
  • Does my vehicle qualify for pleasure use?
  • What if I total my vehicle and owe more than it’s worth?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does coverage extend to a rental car in a foreign country?
  • Should I buy additional glass protection?
  • Do I have coverage when making deliveries for my home business?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

More resources for learning

Even more information can be found at the Nebraska Department of Insurance website. Nebraska consumers can find a variety of consumer forms, read state legal mandates and laws, read enforcement actions against agents and companies, and get help finding coverage.