How to Know You’re Wasting Money for Auto Insurance in Bellevue

Are you confused by the dozens of auto insurance company choices in Bellevue? Many other consumers are too. Drivers have so many options available that it can easily become a ton of work to find the lowest price.

You should make it a habit to take a look at other company’s rates yearly due to the fact that insurance rates are variable and change quite frequently. Despite the fact that you may have had the best deal a few years ago there is a good chance you can find better rates now. Don’t believe everything you read about auto insurance online, so I’m going to show you some of the best ways to stop overpaying for insurance.

This article will familiarize you with how car insurance quotes work. If you currently have a car insurance policy, you will be able to cut costs considerably using these methods. Nebraska drivers just need to know the most effective way to compare price quotes online.

Quick Bellevue Auto Insurance Quotes

Finding a lower price on insurance is not rocket science. All that’s required is to take a few minutes comparing rate quotes from different insurance companies. This can be accomplished using a couple different methods.

  1. Probably the best way to find low rates is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating separate quotes for each company you want a rate for. One simple form gets rate comparisons from many national carriers.It’s the quickest way to get rates.
  2. A harder way to shop for auto insurance online is spending the time to visit each company website and fill out their own quote form. For examples sake, let’s say you want to compare rates from Liberty Mutual, Progressive and GMAC. You would have to go to every website to enter your coverage information, which is why most consumers use the first method. For a list of links to insurance companies in Bellevue, click here.

It’s up to you which method you use, but ensure you are comparing exactly the same deductibles and coverage limits with every price quote. If you compare higher or lower deductibles it will be next to impossible to determine the best price in Bellevue.

Are you getting all your discounts?

Car insurance can cost a lot, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but lesser-known reductions have to be specially asked for prior to getting the savings. If they aren’t giving you every credit possible, you are throwing money away.

  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • Sign Early and Save – Some insurance companies reward drivers for signing up prior to your current policy expiring. It can save you around 10%.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates than drivers with accidents.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • 55 and Retired – If you’re over the age of 55, you may receive a small decrease in premiums.
  • Discount for Life Insurance – Larger companies have better rates if you take out auto and life insurance together.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you will save up to 20% off your total premium.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. So when it seems like you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will help reduce your overall premium however.

lower rates in Bellevue NE

To see a list of providers with the best auto insurance discounts in Nebraska, click here to view.

More information can be read on the Nebraska Department of Insurance website located here. Visitors are able to learn about insurance regulations, file complaints about a company, learn about specific coverages, and read consumer alerts.