Are you tired of paying out the nose to insure your vehicles every month? You’re in the same situation as most other car owners in Nebraska.
Companies like State Farm and GEICO all promote huge savings with fancy advertisements and consumers find it hard to not get sucked in by the cute commercials and find the best price available.
If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these tips. Finding affordable coverage in Cozad is easy if you know what you’re doing. But Nebraska car owners must know the methods companies use to price online insurance and use this information to your advantage.
How to Buy Cozad Auto Insurance Online
All the larger auto insurance companies provide pricing online. Getting quotes is quite easy as you just type in into a form. Once you submit the form, the system orders your driving record and credit report and returns a price quote based on many factors. Online price quotes makes it a lot easier to compare rates but having to visit each company’s website and repetitively complete many quote forms can get tiresome after awhile. But it’s very important to get many rate quotes in order to find a better rate.
Compare rates the easy way
A quicker way to compare rates makes use of a single form to obtain quotes from multiple companies. The form is fast, requires less work, and makes online shopping much easier to do. After your information is entered, it is rated with multiple companies and you can pick any or none of the price quotes you receive. If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. It can be completed in a matter of minutes and you will know how your current rates stack up.
To get comparison pricing now, click here to open in new window and submit your coverage information. To compare your current rates, we recommend that you enter exactly as they are listed on your policy. This helps ensure you’re receiving comparison quotes for the exact same coverage.
The fine print in auto insurance ads
State Farm, GEICO and Progressive constantly bombard you with ads in print and on television. All the companies make an identical promise about savings if you switch your coverage to them. How can each company say the same thing?
Different companies have a preferred profile for the right customer they prefer to insure. For instance, a preferred risk might be over the age of 40, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters receives the best rates and is almost guaranteed to save quite a bit of money when switching.
Potential customers who don’t qualify for the requirements must pay higher rates which leads to the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “drivers who get quotes” save that much money. This is how insurance companies can state the savings. This illustrates why drivers must compare many company’s rates. It’s impossible to know which auto insurance company will give you the biggest savings.
More discounts equal less premium
Car insurance companies do not advertise every available discount in an easy-to-find place, so here is a list both the well known and the more hidden discounts you could be receiving.
- Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
- Multi-policy Discount – If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
- Save over 55 – If you’re over the age of 55, you may be able to get reduced rates.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
- Distant Student – Children who are attending college and don’t have a car may qualify for this discount.
- Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
- Air Bag Discount – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
Consumers should know that some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way.
To see a list of insurance companies with discount auto insurance rates in Cozad, click this link.
Additional detailed information can be found at the Nebraska Department of Insurance website. Nebraska consumers can find disaster information, file complaints about an insurance agent or broker, view agent and company licensing information, and find out which companies have the most complaints.
Affordable insurance is out there
We just presented a lot of tips how to reduce auto insurance prices online. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with a small local company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.
When shopping online for auto insurance, never skimp on critical coverages to save a buck or two. In too many instances, an insured cut liability limits or collision coverage only to regret they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at the best price, not the least amount of coverage.