Easy Methods to Pay Less on Alliance Nebraska Car Insurance

If you are a novice to online car insurance shopping, you may be overwhelmed by the sheer number of companies offering coverage in Alliance.

Don’t pay full price with these discounts

Insuring your vehicles can cost a lot, but there are discounts available to help offset the cost. Larger premium reductions will be automatically applied at quote time, but less common discounts must be requested specifically before they will apply. If you’re not getting every credit you qualify for, you are throwing money away.

  • Defensive Driving Course – Taking a defensive driving course can save you 5% or more if your company offers it.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Passive Restraints and Air Bags – Factory air bags can receive discounts of up to 25% or more.
  • Resident Student – Youth drivers who are attending college and don’t have a car may be able to be covered for less.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. Just because you may think all those discounts means the company will pay you, car insurance companies aren’t that generous. But all discounts will cut the cost of coverage.

To choose insurers offering car insurance discounts in Alliance, follow this link.

Are insurance agents a thing of the past?

Some people would prefer to visit with an insurance agent and there is nothing wrong with that. Insurance agents can point out coverage gaps and help submit paperwork. The best thing about comparing insurance prices online is you may find better rates but also keep your business local. Supporting local insurance agencies is important especially in Alliance.

After filling out this form (opens in new window), the coverage information is emailed to companies in Alliance who will battle for your coverage. You don’t have to even leave your home because quoted prices will be sent straight to your inbox. It doesn’t get any easier!

Choose the right auto insurance agent

When researching an insurance agent, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Alliance agents can either be independent (non-captive) or captive. Both properly insure your vehicles, but it’s worth mentioning how they differ since it may influence the selection process.

Independent Agencies or Brokers

These agents are not required to write business for one company but instead can place your coverage with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency. When comparing rates, it’s a good idea to include several independent insurance agents to have the most options to choose from.Most can insure with smaller companies which can be an advantage.

Shown below are Alliance independent agents that can give you rate quotes.price insurance in Nebraska

  • Bob Neville Insurance – 216 E 3rd St – Alliance, NE 69301 – (308) 762-4200
  • Brixius Crop Insurance – 503 E 3rd St – Alliance, NE 69301 – (308) 762-2558
Captive Insurance Agents

This type of agents can only write with one company like Allstate, Farmers Insurance, State Farm and AAA. Captives cannot provide prices from multiple companies so they have no alternatives for high prices. These agents are trained well on the products they sell which helps them sell insurance even at higher premiums. Consumers often purchase coverage from captives mainly due to the prominence of the brand and solid financial strength.

The following is a list of captive agents in Alliance who can help you get rate quotes.

  • Shelter Insurance – 214 W 3rd St – Alliance, NE 69301 – (308) 762-8712
  • Farm Bureau Insurance – 416 W 3rd St – Alliance, NE 69301 – (308) 762-7997
  • American Family Insurance – 1004 Niobrara Ave – Alliance, NE 69301 – (308) 762-7200
  • Farmers Insurance Group – 723 Flack Ave – Alliance, NE 69301 – (308) 762-9572

To view a complete directory of car insurance agents in Alliance, please view this page.

Selecting an insurance agent requires more thought than just the bottom line cost. Any agent should be forthright in answering these questions:

  • Who are their largest clients?
  • If your car is totalled, how to they determine the replacement cost?
  • Which insurance companies are they affiliated with?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Did they already check your driving record and credit reports?
  • Do the companies they represent have a solid financial rating?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

Once you have received positive feedback for all questions you ask and a low price estimate, most likely you have located a car insurance agent that can properly service your car insurance policy.

The car insurance bait and switch

Nebraska consumers can’t ignore all the ads for car insurance savings by companies like Progressive, GEICO, Allstate and State Farm. All the companies make an identical promise about savings if you move to them.

How can each company make almost identical claims? It’s all in the numbers.

Insurance companies are able to cherry pick for the driver they prefer to insure. An example of a preferred risk could be between 25 and 40, insures multiple vehicles, and drives less than 10,000 miles a year. A customer who matches those parameters will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who do not match the “perfect” profile will be charged a more expensive rate and this can result in the driver buying from a lower-cost company. The ads state “drivers who switch” not “people who quote” save that much. That’s why companies can truthfully make the claims of big savings.

free Nebraska insurance quote

That is why you need to get a wide range of price quotes. It’s not possible to predict which insurance companies will provide you with the cheapest rates.

Much more information about car insurance in Nebraska can be read on the Nebraska Department of Insurance website located here. Nebraska consumers can file complaints about a company, get help finding coverage, discover disciplinary actions, and read consumer alerts.

Quote more, save more

The cheapest car insurance is attainable on the web and with local Alliance insurance agents, and you need to price shop both to have the best chance of lowering rates. Some car insurance companies do not offer the ability to get a quote online and these smaller companies work with independent agents.

We just covered a lot of techniques to lower your car insurance rates. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the most savings is with a small local company.

People switch companies for a number of reasons such as an unsatisfactory settlement offer, questionable increases in premium, delays in responding to claim requests or even unfair underwriting practices. Whatever your reason, finding a new company can be pretty painless.