Cheaper North Platte Nebraska Car Insurance Rates in Five Minutes

Finding better rates for North Platte car insurance is challenging for beginners to shopping for insurance online. People have so many choices that it can easily become a ton of work to find lower rates in North Platte.

If you have insurance now or are shopping for new coverage, you can learn to find better prices while maximizing coverage. Buying the lowest cost car insurance in North Platte is quite easy. Nebraska drivers only need an understanding of the proper methods to compare prices over the internet.

Compare Car Insurance Today

Most companies like 21st Century, Allstate and State Farm allow you to get coverage price quotes on the web. Getting online quotes is pretty easy as you simply enter your coverage information as detailed in the form. When the form is submitted, the company’s rating system collects reports for credit and driving violations and provides a quote.

Quoting online makes comparing rates easy, but the time required to go to each company’s website and repetitively complete many quote forms can be a bit tiresome and repetitive. But it’s very important to have as many quotes as possible if you want to find lower prices.

The better way to compare rates

The easiest way to compare car insurance pricing makes use of a single form to obtain quotes from a lot of companies. This type of form saves time, helps eliminate reptitive entry, and makes online quotes much easier to do. Immediately after you send the form, it is quoted and you are able to buy your choice of the quote results. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The entire process takes less than 15 minutes and may save quite a bit of money.

To save time and compare pricing, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you replicate the coverages just like they are on your policy. This makes sure you will have comparison quotes based on the exact same insurance coverage.

Is there truth in advertising?

Nebraska consumers get pounded daily by advertisements for cheaper car insurance by 21st Century, Allstate and State Farm. They all seem to have a common claim of big savings if you change to their company.

But how can every company make almost identical claims? This is how they do it.

All the different companies have a preferred profile for the right customer they prefer to insure. An example of a driver they prefer might be profiled as between the ages of 40 and 55, insures multiple vehicles, and drives newer vehicles. A customer who matches those parameters is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Drivers who don’t qualify for these standards must pay a higher premium which leads to the customer not buying. Company advertisements say “customers who switch” not “everyone that quotes” save that much. That’s the way companies can truthfully advertise the savings. This illustrates why you absolutely need to quote coverage with many companies. It’s just too difficult to predict which insurance companies will have the lowest rates.

Why your price might be higher

Consumers need to have an understanding of the rating factors that help determine the rates you pay for car insurance. Knowing what impacts premium levels enables informed choices that could result in better car insurance rates.

  • Being married can save on car insurance – Being married can get you a discount on your policy. It translates into being more mature than a single person and it’s proven that married couples file fewer claims.
  • Adjust deductibles and save – Deductibles for physical damage define the amount you are willing to pay before a claim is paid by your company. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. A few examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The higher the amount you have to pay, the lower your rates will be.
  • Better crash test results mean better rates – Vehicles with high crash test scores get lower rates. The safest vehicles protect occupants better and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
  • Never allow your policy to lapse – Letting your insurance expire will be a sure-fire way to increase your car insurance rates. Not only will you pay more, but not being able to provide proof of insurance will get you a license revocation or jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with the Nebraska motor vehicle department.
  • Performance makes a difference – The performance of the vehicle you own makes a huge difference in the rate you pay. The lowest rates are for lower performance four cylinder passenger vehicles, but the final cost of insurance is determined by many other factors.

Don’t miss out on these money-saving discounts

Companies don’t always list every available discount very clearly, so we researched some of the more common and the more hidden discounts you could be receiving. If you’re not getting every credit you deserve, you are throwing money away.

  • No Claims – Claim-free drivers can earn big discounts compared to accident-prone drivers.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Homeowners Discount – Simply owning a home may trigger a car insurance policy discount because owning a home shows financial diligence.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount with a few car insurance companies.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Early Signing – A few companies offer discounts for signing up prior to your current policy expiration. This can save 10% or more.

As a disclaimer on discounts, most discount credits are not given the the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.

To choose insurance companies offering car insurance discounts in North Platte, click here.

Insurance agents can help

When choosing the right insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining whether or not you will benefit from professional help.

  • Can I rate high risk drivers on liability-only vehicles?
  • What can I do if my company won’t pay a claim?
  • Exactly who is provided coverage by my policy?
  • Do I need motorclub coverage?
  • Is rental equipment covered for theft or damage?
  • Do I benefit by insuring my home with the same company?
  • Am I covered when driving in Canada or Mexico?
  • Is my dog or cat covered if injured in an accident?
  • Are there companies who specialize in insuring high-risk drivers?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Your insurance agent down the street

A small number of people would prefer to talk to a local agent and that is a personal choice. Professional agents can point out coverage gaps and help file insurance claims. The biggest benefit of getting online price quotes is you may find better rates and still have an agent to talk to.

To make it easy to find an agent, after completing this short form, the quote information is immediately sent to local insurance agents in North Platte who will battle to get your business. You don’t have to leave your house as quotes are delivered directly to your email. Now that’s easy!

Choosing an insurance company should depend on more than just the price. These are valid questions to ask:

  • If they are an independent agency, which companies do they recommend?
  • How are claims handled?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Is the agent and/or agency licensed to do business in Nebraska?
  • Does the agency provide any after hours assistance?
  • If you are a high risk driver, do they have special markets for your coverage?

Is a captive or independent auto insurance agent right for you?

When looking for a reliable agent, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Agencies in North Platte are either independent or captive. While both can properly insure your vehicles, but it’s worth mentioning how they differ since it can impact the selection process.

Captive Insurance Agents

This type of agents write business for a single company and some examples include Allstate, State Farm and Farmers Insurance. They generally cannot provide prices from multiple companies so they have to upsell other benefits. Captive agencies are very knowledgeable on their products and sales techniques which can be an advantage. Consumers frequently choose to use a captive agent mainly due to high brand loyalty and the convenience of having all coverages with one company.

Below are North Platte captive insurance agencies willing to provide price quote information.

  • American Family Insurance – 419 W 4th St – North Platte, NE 69101 – (308) 532-6264
  • Shelter Insurance – 907 S Willow St – North Platte, NE 69101 – (308) 532-7359
  • Farmers Insurance Group – 103 N Dewey St – North Platte, NE 69101 – (308) 532-0611
  • Lincoln Co Farm Bureau – 515 S Jeffers St – North Platte, NE 69101 – (308) 534-1757
  • State Farm Insurance – 202 S Chestnut St – North Platte, NE 69101 – (308) 532-8115
Independent Agents (or Brokers)

Independent agents are not locked into one company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent. When comparison shopping, it’s a good idea to include at least one independent agent for maximum quote selection.Many can place coverage with smaller regional carriers which can save you money.

Listed below are independent agents in North Platte who can help you get rate quotes.

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  • Writer Agency – 202 W 2nd St – North Platte, NE 69101 – (308) 532-4149
  • C E Smith Insurance – 13907 W State Farm Rd – North Platte, NE 69101 – (308) 368-7259
  • Lowe Insurance and Real Estate – 117 W 4th St – North Platte, NE 69101 – (308) 532-3911
  • Cain Agency Insurance – 102 N Dewey St – North Platte, NE 69101 – (308) 534-9292
  • Tim Malmkar Agency – 105 W D St – North Platte, NE 69101 – (308) 534-1080

For a complete listing of North Platte insurance agents, please click here.

After receiving positive responses for all questions you ask and an acceptable price quote, you have narrowed it down to an insurance agency that is a good match to properly service your car insurance policy.

The best insurance company isn’t always the cheapest

When you buy insurance online, do not buy less coverage just to save a little money. In many instances, someone dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your goal should be to get the best coverage possible for the lowest price while still protecting your assets.

People who switch companies do it for any number of reasons including policy cancellation, an unsatisfactory settlement offer, denial of a claim and high prices. No matter why you want to switch, finding a new company is less work than it seems.

Low-cost car insurance is available online and also from your neighborhood North Platte agents, and you need to price shop both to have the best rate selection. Some companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

Additional detailed information is available at the Nebraska Department of Insurance website. Nebraska drivers can find out industry alerts, file complaints about a company, and find out which companies have the most complaints.