Sick and tired of trying to scrape together enough money to pay high auto insurance rates every month? You have the same problem as many other vehicle owners in Nebraska. Companies like Progressive, State Farm and Geico constantly blast consumers with ad campaigns and it can be hard to ignore the flashy ads and take the time to shop coverage around.
More discounts mean lower premiums
Companies don’t always list all possible discounts in an easy-to-find place, so the list below contains some of the best known as well as some of the hidden savings tricks you should be using when you . If you’re not getting every credit possible, you could be paying more than you need to.
- Safety Course Discount – Participating in a course that instructs on driving safety could possibly earn you a 5% discount and make you a better driver.
- Switch and Save Discount – Select auto insurance companies give a discount for buying a new policy prior to your current policy expiring. It could save around 10% when you .
- ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
- Senior Citizens – If you qualify as a senior citizen, you can get better auto insurance rates.
- Pay Early and Save – If you can afford to pay the entire bill rather than spreading payments over time you can avoid the installment charge.
- Data Collection Discounts – Drivers that enable their company to analyze vehicle usage remotely such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if their driving habits are good.
- Active Military Service – Being on active deployment in the military may qualify for rate reductions.
- Multiple Policy Discount – If you insure your home and vehicles with one company you could save up to 20% and get you .
- Paperwork-free – A few larger online companies will provide an incentive for buying your policy digitally online.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to wear their seat belts can save a little off the PIP or medical payment premium.
Don’t be surprised that some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.
If you would like to choose from a list of providers who offer auto insurance discounts in Ashland, click this link.
The are a couple different ways to get quotes from many different Nebraska insurance companies. The fastest way to compare rates consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.
- If you don’t have a lot of time, the easiest way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This form prevents you from having to do separate quotes for every company. One quote request gets you price quotes from many national carriers.
- A more time consuming way to find lower rates requires a trip to the website of each company and repeat the quote process. For examples sake, we’ll pretend you want comparison quotes from Geico, Safeco and Allstate. In order to get each rate, you would have to visit each site to enter your coverage information, which can be really labor intensive.
For a list of links to companies insuring cars in Ashland, click here.
- The most time-consuming way to price shop rates is driving to insurance agencies in your area. Comparing rates online can eliminate the need for a local agent unless you have a need for the professional abilities that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to obtain prices from the web and have a local agent actually service the policy.
Whichever way you choose to compare rates, be certain you are entering exactly the same coverage information with every price quote. If each company quotes differing limits you can’t possibly decipher which rate is best in Ashland. Even a minor difference in limits could skew the results. And when comparing auto insurance rates, know that more quotes helps improve the odds of finding lower pricing. Some companies don’t provide online price quotes, so it’s necessary to compare price estimates from them, too.
A tidy conclusion
Cost effective auto insurance is definitely available from both online companies and with local Ashland insurance agents, and you should compare rates from both to have the best rate selection. Some companies do not provide rates over the internet and many times these small insurance companies only sell through independent insurance agents.
We just presented a lot of ways to lower your auto insurance prices. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Drivers may discover the most savings is with a smaller regional carrier. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.