9 Proven Ways to Pay Lower Car Insurance Cost in South Sioux City

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me when I say you’re not the only one.

Lots of car insurance companies contend for your insurance dollar, and because of this it can be hard to compare car insurance companies to get the best rates possible.

It is always a good idea to compare prices on a regular basis because rates are rarely the same from one policy term to another. Just because you found the best price six months ago you may be paying too much now. So just forget all the misinformation about car insurance because you’re going to learn the only way to save money, get proper coverage and the best rates.

Free Quotes for Car Insurance in South Sioux City, Nebraska

All major car insurance companies such as State Farm, Allstate and GEICO give insurance quotes on their websites. Obtaining pricing doesn’t take much effort as you simply type in as requested by the quote form. Once you submit the form, their system makes automated requests for credit information and your driving record and quotes a price based on these and other factors. Being able to quote online helps simplify price comparisons, but the time required to go to a lot of sites and type in the same information can be a bit repetitive. But it’s absolutely necessary to perform this step in order to get the best price possible.

Rate comparisons made easy

The smarter way to find lower prices utilizes a single form to obtain quotes from a bunch of companies at once. The form is fast, reduces the work, and makes online quotes much more efficient. After sending your information, it is rated and you are able to buy any one of the resulting price quotes.

If a lower price is quoted, you simply finish the application and purchase the new policy. The entire process takes less than 15 minutes and may save quite a bit of money.

To save time and compare rates now, click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended that you enter exactly as shown on your declarations page. This guarantees you will be getting rate quotes using the same coverage and limits.

How much can you save with discounts?

The cost of insuring your cars can be expensive, but you may find discounts to help offset the cost. Some trigger automatically when you get a quote, but some may not be applied and must be requested specifically in order for you to get them.

  • Good Student – This discount can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Distant Student – Children who live away from home and don’t have a car may qualify for this discount.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of more than 20%.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Multi-policy Discount – If you have multiple policies with the same company you will save approximately 10% to 15%.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • Accident Forgiveness – Certain companies will allow you to have one accident before your rates go up if your claims history is clear for a set time period.
  • Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiring. It can save you around 10%.

It’s important to understand that some credits don’t apply to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. So even though it sounds like you could get a free car insurance policy, you’re out of luck. But any discount will cut your overall premium however.

To see a list of insurance companies with the best car insurance discounts in South Sioux City, click here.

Save Money with These Tips

Consumers need to have an understanding of the rating factors that come into play when calculating your car insurance rates. Knowing what determines base rates empowers consumers to make smart changes that may reward you with better car insurance rates.

  • Don’t let your coverage lapse – Having an insurance coverage lapse will be a quick way to pay more for car insurance. Not only will you pay more, but not being able to provide proof of insurance might get you a steep fine or even jail time.
  • Careful drivers pay lower rates – Careful drivers tend to pay less for car insurance than their less careful counterparts. Only having one ticket can boost insurance rates by as much as thirty percent. Drivers who have dangerous citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
  • An active claims history can cost you – If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Auto insurance companies in Nebraska provide discounts to people who are claim-free. Your insurance policy is meant to be used in the event of larger claims.
  • Protect your assets with liability insurance – Liability insurance will protect you when you are found liable for damages caused by your negligence. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.

Don’t I need to talk to an agent?

Some people prefer to buy from a licensed agent and there is nothing wrong with that. The biggest benefit of getting online price quotes is that you can obtain the best rates but still work with a licensed agent. Supporting small agencies is especially important in South Sioux City.auto insurance image

To help locate an agent, after submitting this quick form, your coverage information is instantly submitted to insurance agents in South Sioux City who will compete for your coverage. You won’t need to even leave your home since price quotes are sent straight to your inbox. Now that’s easy! It’s the lowest rates and work with a local agent.

The difference between South Sioux City auto insurance agents

When researching local South Sioux City agents, there are a couple of different types of agents that you can select. Insurance agencies in South Sioux City are either captive or independent (non-captive).

Independent Agents

These agents do not work for one specific company but rather can write business with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move the coverage in-house and that require little work on your part.

When comparing rates, it’s a good idea to include multiple independent agents to get the best comparison.

Shown below are South Sioux City independent insurance agents willing to provide comparison quotes.

Diversified Insurance – 2829 Dakota Ave – South Sioux City, NE 68776 – (402) 494-4633
Farm Bureau Insurance – 901 W 21st St # 2 – South Sioux City, NE 68776 – (402) 494-3972
Jerry Beacom Agency – 1800 Dakota Ave # C – South Sioux City, NE 68776 – (402) 494-5136

Agency Captives

Captive agents work for only one company and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. Captives cannot compare other company’s rates so they have to upsell other benefits. They are usually quite knowledgeable on their company’s products which can be an advantage.

Shown below are South Sioux City captive insurance agents willing to provide comparison quotes.

Farm Bureau Insurance – 913 W 21st St – South Sioux City, NE 68776 – (402) 494-3972
American Family Insurance – 125 E 19th St – South Sioux City, NE 68776 – (402) 494-2149
State Farm Insurance – 1000 W 29th St # 216 – South Sioux City, NE 68776 – (402) 494-1949

To view a complete directory of South Sioux City captive insurance agents, please view this page.

Selecting an auto insurance agent requires more thought than just the price. Any agent should have no problem answering these questions:

  • How are claims handled?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Does the agency provide any after hours assistance?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • If they are an independent agency, which companies do they recommend?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Is vehicle mileage a factor when determining depreciation for repairs?

Once you have received acceptable answers for all questions you ask and locked in a price quote, most likely you have located an insurance agent that is a good match to insure your vehicles.

How much car insurance do I need?

When it comes to choosing proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help you determine if your situation may require specific advice.

South Sioux City Nebraska insurance quotes

  • What discounts do I qualify for?
  • Are my friends covered when driving my vehicle?
  • Should I have combined single limit or split liability limits?
  • What should my uninsured motorist coverage limits be in Nebraska?
  • Should I buy more coverage than the required Nebraska minimum liability coverage?
  • What are the best liability limits?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when using my vehicle for business?
  • Why does it cost so much to insure a teen driver in South Sioux City?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Additional car insurance information is located on the website for the Nebraska Department of Insurance through this link. Consumers can find out industry alerts, get help finding coverage, find a variety of consumer forms, and file complaints about an insurance agent or broker.

Slick advertising tricks that work

Car insurance providers like State Farm, Allstate and GEICO regularly use ads in print and on television. They all make the same claim of big savings if you move your policy. How can each company make the same claim?

Different companies have a preferred profile for the driver that is profitable for them. An example of a preferred risk might be over the age of 50, has no prior claims, and chooses high deductibles. A customer who meets those qualifications gets the lowest rates and is almost guaranteed to cut their rates substantially.

Consumers who don’t measure up to these standards will have to pay higher rates which leads to business going elsewhere. The ad wording is “drivers who switch” not “everyone that quotes” save that much money. That is how insurance companies can confidently claim big savings.

Because of the profiling, you absolutely need to quote coverage with many companies. You cannot predict which car insurance company will provide you with the cheapest rates.

What is YOUR best insurance company?

We covered quite a bit of information on how to compare car insurance prices online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from a small local company. These companies may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.

Cost effective car insurance is attainable on the web as well as from independent agents in South Sioux City, and you need to price shop both so you have a total pricing picture. Some companies don’t offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.