Discover How to Find the Cheapest Price on Lexington Car Insurance

Are you tired of paying out the nose to buy car insurance? You are in the same boat as millions of other consumers.

Drivers have so many auto insurance companies to purchase coverage from, and although it’s nice to have multiple companies, so many choices can make it hard to compare rates and cut insurance costs.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but there are discounts available that can drop the cost substantially. Some discounts apply automatically at quote time, but some may not be applied and must be asked about prior to getting the savings.

  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more than their less cautious counterparts.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
  • Life Insurance Discount – Some companies give a discount if you purchase auto and life insurance together.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may earn at least 10% off all policies.
  • Accident Free – Drivers who don’t have accidents pay much less when compared to frequent claim filers.
  • Driver’s Ed – Have your child successfully complete driver’s ed class if it’s offered in school.
  • Drive Less and Save – Driving fewer miles can qualify you for a substantially lower rate.
  • Early Signing – Some insurance companies reward drivers for buying a policy before your current policy expires. This can save 10% or more.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Most cut individual premiums such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will help reduce your overall premium however.

To see a list of insurers offering car insurance discounts in Nebraska, follow this link.

Lexington Rates are Influenced by These Factors

It’s important that you understand the rating factors that play a part in calculating the rates you pay for car insurance. Knowing what influences your rates allows you to make educated decisions that may reward you with big savings.Nebraska insurance cheap

Shown below are a few of the “ingredients” companies use to determine rates.

  • Protect yourself with liability coverage – Liability coverage is the coverage that protects you when you are found liable for damages from an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
  • Where you live is a factor – Being located in small towns and rural areas is a positive aspect when talking about car insurance. Urban drivers tend to have more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • Proper usage rating affects rates – The more you drive each year the higher your rate. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates compared to those used for work or business. Make sure your car insurance policy is showing the correct driver usage.
  • Theft deterrents lower rates – Driving a car with an alarm system can save you a little every year. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.

How do I know if I need professional advice?

When buying the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Every insured’s situation is different so your insurance needs to address that. For example, these questions may help you determine whether you may require specific advice.

  • Do I need roadside assistance coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my nanny covered when driving my vehicle?
  • Does my car insurance cover rental cars?
  • What are Nebraska no-fault laws?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when using my vehicle for business?
  • Does liability extend to a camper or trailer?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

To learn even more about car insurance

Much more information about car insurance in Nebraska is available on the website for the Nebraska Department of Insurance. Click here for link. Nebraska drivers can find out industry alerts, learn about insurance regulations, and file complaints about an insurance agent or broker.

Other useful links include this online resource for free quotes in Nebraska and this list of insurance agents in Lexington.

Nebraska insurance cheap

Quote often and quote early

You just learned quite a bit of information on how to save on car insurance. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. You may even find the most savings is with some of the smallest insurance companies. These companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

When you buy insurance online, you should never buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Lower-priced car insurance can be bought from both online companies and also from your neighborhood Lexington agents, so you should be comparing quotes from both to have the best selection. A few companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.