7 Tips Guaranteed to Save on Car Insurance Costs in Beatrice

Having to pay for overpriced car insurance can dwindle your personal savings and force you to prioritize other expenses. Comparing price quotes is free, only takes a few minutes, and is a good way to lower your monthly bill. Popular companies such as GEICO and Progressive continually hit you with ad campaigns and consumers find it hard to sift through the bull and take the time to shop coverage around.

If you are insured now or need a new policy, you will benefit by learning to find better prices while maintaining coverages. Finding affordable coverage in Beatrice is quite easy. Nebraska drivers only need an understanding of the most efficient way to compare company rates online.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, but you can get discounts that can drop the cost substantially. Certain discounts will be applied at the time of quoting, but some may not be applied and must be asked about before you will receive the discount. If you aren't receiving every discount you deserve, you are paying more than you should be.

  • Government Employees - Employees or retirees of the government may qualify you for a discount with a few car insurance companies.
  • Senior Citizens - If you're over the age of 55, you can possibly qualify for better car insurance rates.
  • Seat Belts Save - Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Life Insurance - Larger companies have better rates if you take out auto and life insurance together.
  • Theft Prevention System - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Paperwork-free - A handful of insurance companies may give you up to $50 simply for signing digitally online.
  • Defensive Driving Course - Taking part in a defensive driving course could cut 5% off your bill if your company offers it.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like comp or med pay. Just because you may think having all the discounts means you get insurance for free, companies don't profit that way. Any qualifying discounts will reduce the amount you have to pay.

To choose insurance companies with the best car insurance discounts in Beatrice, click here to view.

Is there truth in advertising?

Consumers in Nebraska can't ignore all the ads for car insurance savings by Progressive, Allstate and GEICO. They all make an identical promise of big savings if you move to their company.

How can each company claim to save you money? It's all in the numbers.

All the different companies have a preferred profile for the driver that makes them money. A good example of a driver they prefer might be between the ages of 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who meets those qualifications is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential insureds who don't measure up to the requirements will be quoted more money and ends up with the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. This is how insurance companies can confidently advertise the way they do.

This emphasizes why you should compare many company's rates. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

How do I know if I need professional advice?

When buying coverage for your personal vehicles, there really is not a "best" method to buy coverage. Every situation is different so your insurance should reflect that For example, these questions may help you determine whether or not you might need an agent's assistance.

  • Why am I required to get a high-risk car insurance policy?
  • Should I put collision coverage on all my vehicles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have coverage for damage caused while driving under the influence?
  • When does my teenage driver need to be added to my policy?
  • What are Nebraska no-fault laws?
  • Do I need special endorsements for business use of my vehicle?
  • Does my personal policy cover me when driving my company car?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

More sites with car insurance information

Additional car insurance information can be read on the website for the Nebraska Department of Insurance found here. Visitors are able to read industry bulletins, learn about insurance regulations, find a variety of consumer forms, and download brochures.

Beatrice car insurance comparison

Best coverage at the best price

As you go through the steps to switch your coverage, it's a bad idea to buy poor coverage just to save money. There are too many instances where drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to buy enough coverage at the best price while still protecting your assets.

Cost effective car insurance is definitely available both online and also from your neighborhood Beatrice agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies may not provide online price quotes and these small insurance companies work with independent agents.