Know How to Find the Lowest Price on Fremont Nebraska Auto Insurance

Have you had enough of robbing Peter to pay Paul each month for car insurance? Your situation is no different than millions of other consumers.

Having so many online and local companies to choose from, it’s difficult to find the lowest cost insurer.

You need to shop coverage around on a regular basis since rates are usually higher with each renewal. If you had the lowest rates two years ago you may be paying too much now. You’ll find quite a bit of inaccurate information about auto insurance on the web, but I’m going to show you a bunch of ideas how to find cheap auto insurance.

You have some control over your rates

Smart consumers have a good feel for the factors that go into determining the rates you pay for auto insurance. Knowing what determines base rates helps enable you to make changes that may reward you with big savings.

  • Lower rates come with age – More mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations. Teenage drivers are statistically proven to be less responsible when driving therefore auto insurance rates are much higher.
  • Tickets mean higher rates – Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Only having one moving violation can bump up the cost by as much as thirty percent. Drivers with dangerous tickets like DUI or reckless driving are required to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
  • Your credit rating is important – Credit rating is a important factor in calculating your auto insurance rates. Consumers who have good credit tend to be less risk to insure than drivers who have lower ratings. So if your credit history can use some improvement, you could save money insuring your by improving your credit score.
  • Don’t cancel a policy without a new one in place – Not having insurance is a misdemeanor and you will pay a penalty because you let your coverage lapse. And not only will your rates increase, failure to provide proof of insurance may earn you a revoked license or a big fine.You may need to provide proof of insurance in the form of an SR-22 filing with the Nebraska motor vehicle department to get your license reinstated.
  • Where do you drive? – The higher the mileage driven in a year the higher your rate. The majority of insurers rate vehicles determined by how the vehicle is used. Cars left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance declarations sheet properly reflects the correct usage for each vehicle.
  • Do you need the policy add-ons? – There are many additional coverages you can purchase if you aren’t careful. Coverages for vanishing deductibles, better glass coverage and motor club memberships may be wasting your money. They may seem good at first, but if you don’t need them eliminate them to save money.

Auto Insurance Comparison Rates in Fremont, NE

The are a couple different ways to compare rate quotes and find the best price. The fastest way to find competitive insurance rates involves getting comparison quotes online. This can be accomplished in several different ways.

  1. The single most time-saving way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This method prevents you from having to do separate forms to each individual auto insurance company. One form gets you price quotes from many national carriers.
  2. A different way to obtain and compare quotes online consists of going to each company website and complete a new quote form. For example, we’ll pretend you want to compare GEICO, Esurance and State Farm. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is quicker.

    To view a list of companies in Fremont, click here.

  3. The most time-consuming method of getting rate comparisons is driving to local Fremont insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you require the personal advice only provided by licensed Fremont agents. You can, however, get the lowest quotes online and still use a local agent and we’ll cover that in a bit.

Whichever method you choose, make darn sure you compare identical coverages on every quote. If you have different values for each quote you can’t possibly determine the lowest rate in Fremont. Having just a slight variation in limits can make a big difference in price. And when quoting auto insurance, remember that having more price comparisons helps locate a lower rate.

Can you really save that much by switching?

GEICO, State Farm and Progressive constantly bombard you with ads on television and other media. All the companies say the same thing about savings if you switch to their company. How do they all claim to save you money?

All companies have a certain “appetite” for the type of driver that earns them a profit. A good example of a driver they prefer could be between 25 and 40, a clean driving record, and has excellent credit. Any new insured who meets those qualifications receives the best rates and is almost guaranteed to save when switching.

Drivers who do not match these standards will have to pay more money and this can result in the customer not buying. The ads say “drivers who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently make the claims of big savings. Because of the profiling, drivers must get as many quotes as possible. It’s just too difficult to predict the company that will provide you with the cheapest rates.

Lower rates by qualifying for discounts

Auto insurance companies don’t necessarily list all their discounts very clearly, so we researched some of the more common and the harder-to-find discounts you could be insurance image

  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Save over 55 – Mature drivers may qualify for a small decrease in premiums.
  • Organization Discounts – Affiliation with a civic or occupational organization may earn a discount when buying auto insurance.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less than their less cautious counterparts.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears you could get a free auto insurance policy, it doesn’t quite work that way.

To see a list of insurance companies who offer auto insurance discounts in Nebraska, follow this link.

But I prefer to buy car insurance from an agent

Some people would prefer to sit down with an agent. One of the best bonuses of getting online price quotes is you may find the best rates but still work with a licensed agent.

Upon completion of this form (opens in new window), your insurance data is emailed to local insurance agents in Fremont who will compete for your coverage. There is no reason to even leave your home since price quotes are sent immediately to your email address. How cool is that?! Get lower rates and an insurance agent to talk to.

Picking an insurer needs to be determined by more than just the bottom line cost. Agents should be asked these questions:

  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Is their price quote a firm figure or are their hidden costs?
  • What are the financial ratings for the companies they represent?
  • Do they review policy coverages at every renewal?
  • Which insurance companies are they affiliated with?
  • Are they full-time agents?
  • If they are an independent agency, which companies do they recommend?

Two types of insurance agents

When researching a reliable agent, you must know there are a couple types of agencies from which to choose. Insurance agencies in Fremont are classified as either independent or captive.

Captive Insurance Agents

This type of agents can only place business with one company and some examples include AAA, State Farm, Farmers Insurance and Allstate. These agents are not able to compare other company’s rates so they are skilled at selling on more than just price. Captive agents are well schooled on the products they sell and that can be a competitive advantage.

Below are captive insurance agencies in Fremont that are able to give price quotes.

Farm Bureau Insurance – 1900 E Military Ave # 248b – Fremont, NE 68025 – (402) 721-7133
State Farm Insurance – 1900 E Military Ave # 268 – Fremont, NE 68025 – (402) 721-5454
American Family Insurance – 2127 E 23rd Ave S – Fremont, NE 68025 – (402) 941-1148
Farmers Insurance Group – 2428 N Lincoln Ave – Fremont, NE 68025 – (402) 721-7684

Independent Agents

Independent agencies do not work for one specific company so they have the ability to put coverage amongst many companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally and you don’t have to find a new agent. When searching for an agent, we recommend you contact at least one independent agent for the best price selection.

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Listed below are independent insurance agencies in Fremont willing to provide comparison quotes.

Farm Bureau Insurance – 1900 E Military Ave # 248b – Fremont, NE 68025 – (402) 721-7133
Agency – 210 W 23rd St – Fremont, NE 68025 – (402) 721-1162
Don V Insurance – 224 N Main St – Fremont, NE 68025 – (402) 721-7910
Tony Hale Agency Inc – 2300 Laverna St – Fremont, NE 68025 – (402) 721-9610

For a complete listing of licensed insurance agents in Fremont, visit this site.

Upon getting satisfactory answers to your questions as well as a affordable price, you have narrowed it down to an insurance agency that can insure your vehicles.

Additional detailed information can be read at the Nebraska Department of Insurance website. Visitors are able to report car insurance fraud, find out which companies have the most complaints, read consumer alerts, and find disaster information.

Better coverage you can count on

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Throughout this article, we presented many tips how you can save on auto insurance. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may even find the biggest savings come from a small mutual company. Some small companies can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.