Never Compare Kearney, NE Car Insurance Without Knowing These Money Saving Techniques

Are you a victim of overpriced car insurance? Believe me when I say you are not the only one feeling buyer’s remorse.

Numerous insurers battle for your insurance dollar, so it’s not easy to compare every provider and get the definite best price available.

Consumers should take time to shop coverage around periodically because prices are constantly changing. Even if you got the best deal a couple years back the chances are good that you can find a lower rate today. So forget anything you know (or think you know) about car insurance because you’re about to learn one of the best ways to reduce your cost while increasing coverage.

How to Compare Car Insurance Quotes in Kearney, NE

All major car insurance companies such as Allstate and Progressive give price estimates on their websites. Getting online quotes doesn’t take a lot of time as you just enter into a form. When complete, their system makes automated requests for information on your driving record and credit history and provides a quote based on many factors. Online quotes makes it a lot easier to compare rates but having to visit a lot of sites and type in the same information can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible if you want to find lower prices.

The preferred way to compare car insurance pricing uses one form that analyzes rates from a lot of companies. It saves time, requires less work, and makes online quotes a little more enjoyable. As soon as you send your information, it is rated with multiple companies and you can pick your choice of the pricing results.

If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The entire process can be completed in a matter of minutes and may result in a nice savings.

To use this form to compare rates, click here to open in a new tab and input your coverage information. To compare your current rates, we recommend you copy coverages and limits identical to your current policy. Using the same limits helps guarantee you will be getting comparison quotes based on the exact same insurance coverage.

Cut your premium with discounts

Properly insuring your vehicles can get expensive, but there are discounts available that you may not know about. Some trigger automatically when you purchase, but some may not be applied and must be specifically requested before you will receive the discount.

  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Accident Waiver – Certain companies will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Passive Restraints – Factory air bags or motorized seat belts may earn rate discounts of more than 20%.
  • No Claims – Drivers with accident-free driving histories pay less as compared to accident-prone drivers.
  • Homeowners Pay Less – Owning a house in Kearney may earn you a small savings because maintaining a house demonstrates responsibility.
  • Discount for Life Insurance – Larger companies have better rates if you take out life insurance from them.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies before your current expiration date. The savings is around 10%.

It’s important to understand that most discount credits are not given the the whole policy. Most only cut the cost of specific coverages such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will bring down the amount you have to pay.Kearney NE car insurance

For a list of insurance companies with the best car insurance discounts in Nebraska, click here to view.

What is the best insurance coverage?

When it comes to choosing the best car insurance coverage, there is no cookie cutter policy. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that can aid in determining whether you will benefit from professional help.

  • Do I benefit by insuring my home with the same company?
  • Who is covered by my policy?
  • I don’t drive much so do I pay less?
  • Is my cargo covered for damage or theft?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered when driving someone else’s vehicle?
  • If my vehicle is totaled, can I afford another vehicle?
  • Is my vehicle covered for smoke damage?
  • What is covered by UM/UIM coverage?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Understand what determines the rate you pay

An important part of buying insurance is that you know some of the elements that help determine the price you pay for car insurance. When you know what positively or negatively determines base rates helps enable you to make changes that can help you get lower car insurance prices.

The following are a few of the “ingredients” that factor into your rates.

  • Increase deductibles and save – Deductibles for physical damage represent how much money you are required to spend before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims are colliding with a building, damage caused by hail, and rolling your vehicle. The more money you’re willing to pay, the bigger discount you will receive.
  • Pay less if you’re married – Having a wife or husband can actually save you money on car insurance. Marriage is viewed as being more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • Credit scores impact car insurance rates – A driver’s credit score is a huge factor in determining what you pay for car insurance. If your credit score is lower than you’d like, you could be paying less to insure your by improving your rating. Consumers who have high credit ratings tend to be less risk to insure than drivers with poor credit.
  • Older drivers pay less – Mature drivers are more responsible, file fewer claims and receive fewer citations. Youthful drivers are known to be less responsible in a vehicle therefore car insurance rates are much higher.

Car insurance ads bend the truth

Companies like Allstate and Progressive continually stream ads on television and other media. All the ads make an identical promise that you’ll save big after switching to their company. But how can every company claim to save you money? It’s all in the numbers.

Insurance companies have a preferred profile for the type of driver they prefer to insure. An example of a desirable insured might be profiled as between 25 and 40, insures multiple vehicles, and has a high credit rating. A driver who meets those qualifications gets the lowest rates and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile will be charged higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can confidently make the claims of big savings.

That is why you need to get quotes from several different companies. It is impossible to predict the company that will fit your personal profile best.

lower rates in Nebraska

Keep this in mind

Cheaper car insurance can be purchased on the web as well as from independent agents in Kearney, so compare prices from both to have the best chance of lowering rates. A few companies don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

You just read some good ideas how to compare car insurance prices online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the best price on car insurance is with the smaller companies. Some small companies often have lower prices on specific markets as compared to the big name companies such as Progressive or GEICO.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed liability coverage limits and discovered at claim time that it was a big mistake. Your strategy should be to purchase plenty of coverage for the lowest price while still protecting your assets.

Additional car insurance information is available on the website for the Nebraska Department of Insurance found here. Nebraska consumers can view agent and company licensing information, read state legal mandates and laws, and read consumer alerts.

Also read more on this Car Insurance FAQ and this list of agents in Kearney, NE.