Benedict Car Insurance For Less Than You're Paying Now

If you are a novice to online car insurance shopping, it's easy to be confused because of the huge number of car insurance companies all offering big savings in Benedict.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, but you can get discounts to help bring down the price. Some discounts apply automatically when you purchase, but less common discounts must be specifically requested before being credited.

  • Multiple Cars - Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Safety Course Discount - Completing a defensive driving course can save you 5% or more if you qualify.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Student in College - Children who attend school more than 100 miles from home and don't have a car can receive lower rates.
  • Accident Forgiveness - Some insurance companies will allow you to have one accident before your rates go up so long as you haven't had any claims prior to the accident.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears it's possible to get free car insurance, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

Insurance agents can help

When it comes to buying the right insurance coverage for your vehicles, there really is no perfect coverage plan. Every insured's situation is different.

For example, these questions might point out whether your personal situation may require specific advice.

  • Am I covered when driving on a suspended license?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Do I really need UM/UIM coverage?
  • Do I need PIP (personal injury protection) coverage in Nebraska?
  • Why does it cost so much to insure a teen driver in Benedict?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my cargo covered for damage or theft?

If you don't know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Save $429 a year? Really?

Allstate, GEICO and Progressive consistently run television and radio advertisements. All the companies say the same thing about savings if you change to their company. But how can every company claim to save you money? This is how they do it.

All companies have a certain "appetite" for the driver that earns them a profit. For example, a profitable customer might be over the age of 50, owns a home, and has excellent credit. Any driver who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Consumers who don't qualify for this ideal profile must pay higher prices which usually ends up with the customer not buying. The ad wording is "drivers who switch" but not "drivers who get quotes" save that much. That is how companies can truthfully make those claims.

This illustrates why you should get quotes from several different companies. You cannot predict which company will have the lowest rates.

Additional information can be found on the Nebraska Department of Insurance website. Click here for link. Visitors are able to report car insurance fraud, read consumer alerts, and discover disciplinary actions.

Also read more on this page for Nebraska car insurance and this page for help finding agents in Benedict, NE.

Benedict car insurance quote

Final considerations

Cheaper car insurance is attainable both online and also from your neighborhood Benedict agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

While you're price shopping online, do not buy lower coverage limits just to save a few bucks. In too many instances, an insured cut physical damage coverage only to discover later they didn't purchase enough coverage. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

Consumers leave their current company for any number of reasons including lack of trust in their agent, policy non-renewal, questionable increases in premium and even policy cancellation. No matter why you want to switch, switching car insurance companies is less work than it seems.