Tightwads Tips for Saving on Bennet Auto Insurance

Have you had enough of scraping the payment together each month for car insurance? Your situation is no different than many other Nebraska drivers. Drivers have multiple to pick from, and although it's a good thing to have a choice, it can be more challenging to compare rates.

Comprehensive Auto Insurance Comparison in Bennet

There are several ways you can shop for auto insurance but there is one way that is less time-consuming than others. You could spend your day discussing policy coverages with agents in Bennet, or you could save time and use online quoting to get prices fast.

All the larger companies enroll in a system that allows shoppers to submit one quote, and every company returns a rated price determined by their information. This system prevents you from having to do quotation requests for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The single downside to using this type of form is that you can't choose which companies you want pricing from. So if you want to select specific insurance companies for rate comparison, we put together a list of auto insurance companies in Nebraska. Click here for list of insurance companies in Nebraska.

It doesn't matter which method you choose, just double check that you are using identical coverage limits and deductibles for every company. If your comparisons have different liability limits it will be impossible to decipher which rate is best in Bennet.

Good Decisions Result in Lower Rates

It's important that you understand the rating factors that go into determining the rates you pay for auto insurance. Knowing what impacts premium levels enables informed choices that could result in big savings.

Listed below are a partial list of the pieces auto insurance companies consider when setting premiums.

  • Liability coverage protects you - Liability insurance will protect you if you are found liable for causing damage or personal injury in an accident. It provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.
  • Lower rates with optional equipment - Driving a car with an alarm system can get you a discount on your auto insurance. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • Poor credit can mean higher rates - A driver's credit score is a important factor in your rate calculation. If your credit score is lower than you'd like, you could be paying less to insure your by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Pleasure use saves money - The more miles you rack up on your car every year the more you'll pay to insure your vehicle. Most insurance companies charge to insure your cars based upon how you use the vehicle. Autos not used for work or commuting receive lower rates compared to those used for work or business. Ask your agent if your auto insurance policy shows how each vehicle is driven, because improper ratings can cost you money.
  • Being married can save on auto insurance - Having a wife or husband can actually save you money on your auto insurance policy. Having a spouse means you're more responsible and it's proven that drivers who are married are more cautious.
  • Battle of the sexes - The statistics show that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. They both have accidents in similar numbers, but the male of the species cause more damage. Men also tend to have more aggressive citations like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and thus pay the highest rates.
  • More than one policy can earn a discount - Most auto insurance companies will award you with lower prices to insureds who have multiple policies with them in the form of a multi-policy discount. Even if you're getting this discount you still need to shop around to ensure the best deal. You may still be able to find better rates by insuring with multiple companies.

How much can you save with discounts?

Insurance can cost an arm and a leg, but you can get discounts that many people don't even know exist. Most are applied at quote time, but a few must be inquired about in order for you to get them. If you're not getting every credit available, you're just leaving money on the table.

  • Club Memberships - Being a member of a qualifying organization could trigger savings when buying auto insurance.
  • Service Members Pay Less - Having a family member in the military could mean lower rates.
  • Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Paperless Signup - A handful of insurance companies may give you up to $50 for buying your policy over the internet.
  • One Accident Forgiven - Certain companies will forgive one accident without raising rates so long as you haven't had any claims for a particular time prior to the accident.

As a disclaimer on discounts, many deductions do not apply to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

For a list of insurers offering auto insurance discounts in Nebraska, click this link.

Additional information is located on the website for the Nebraska Department of Insurance located here. Visitors are able to find out which companies have the most complaints, view a list of available companies, find out industry alerts, and file complaints about an insurance agent or broker.

Other useful links include this link for Nebraska auto insurance quotes and this link which helps you find a Bennet agent.

compare Bennet auto insurance rates

Best coverage at the best price

Cheap auto insurance can be found both online and also from your neighborhood Bennet agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, make sure you don't reduce needed coverages to save money. In too many instances, an insured dropped collision coverage and learned later that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.