Top 10 Ways to Save Money on Auto Insurance in Papillion

Having to pay for overpriced auto insurance can dwindle your savings account and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to lower your monthly bill. Consumers have many insurance companies to choose from, and even though it’s nice to have a selection, having more insurers makes it harder to locate the cheapest rates.

This information will help educate you on how to effectively get price quotes and some tricks to saving. If you are paying for car insurance now, you will be able to reduce your rates substantially using these techniques. Nebraska drivers just need to know the best way to compare rates online.

Pay less by taking advantage of these ten discounts

Car insurance is not cheap, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but less common discounts must be requested specifically before you will receive the discount. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Discount for Swiching Early – Some companies give discounts for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Safe Drivers – Safe drivers can pay as much as 50% less than drivers with accidents.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Memberships – Affiliation with certain professional organizations is a good way to get lower rates when buying auto insurance.
  • Homeowners Pay Less – Owning a house in Papillion can save you money because of the fact that having a home requires personal responsibility.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can receive discounts up to 30%.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. Just because you may think you could get a free auto insurance policy, companies don’t profit that way. Any qualifying discounts will help reduce your premiums.

To see a list of companies who offer auto insurance discounts in Nebraska, click here to view.

How to Get Papillion Auto Insurance Comparison Quotes

Finding a lower price on insurance is not rocket science. Drivers just need to invest a few minutes getting comparison quotes from different insurance companies. This can be accomplished in several different ways.

  1. The first (and easiest) way to get the best comparison quotes is a comparison rater form (click to open form in new window). This form keeps you from doing separate quotation requests for each company. Just one form will return quotes .
  2. A slightly less efficient method to shop for auto insurance online requires you to visit each company’s website and fill out their own quote form. For example, we’ll assume you want to compare GEICO, Farmers and Progressive. To get rate quotes you would need to visit each site and enter your information, which is why the first method is quicker. For a handy list of car insurance company links in Papillion, click here.
  3. The least recommended way to get comparison rates is to spend your day driving to local Papillion insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you want the professional advice that only a license agent can provide. However, consumers can price shop online but still have the advice of a local agent and we’ll talk about that later.

Whichever way you use, be sure to compare identical coverage limits and deductibles on every quote you get. If your comparisons have higher or lower deductibles it will be next to impossible to determine the best price in Papillion.

Car insurance coverages

Having a good grasp of auto insurance can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types offered by auto insurance companies.<img class="alignright" style="padding-top:15px;" src="" alt="Papillion Nebraska insurance quotes“/>

Comprehensive insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, hitting a deer, a tree branch falling on your vehicle and damage from flooding. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insuranceLiability insurance can cover damages or injuries you inflict on people or other property. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair bills for other people’s vehicles, attorney fees and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford. Nebraska requires minimum liability limits of 25,000/50,000/25,000 but you should consider buying more coverage.

Collision – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Papillion Nebraska insurance quotes

Since a lot of drivers only carry the minimum required liability limits (25/50/25), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for short-term medical expenses like rehabilitation expenses, nursing services, X-ray expenses and funeral costs. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Better coverage you can count on

When you buy insurance online, it’s very important that you do not reduce coverage to reduce premium. In too many instances, an insured cut full coverage and found out when filing a claim that they should have had better coverage. Your goal should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

We just presented quite a bit of information on how to save on auto insurance. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest premiums are with the least-expected company. Regional companies may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.