8 Tricks Guaranteed to Lower Car Insurance Costs in Bertrand

Expensive car insurance can empty your savings account and force you to prioritize other expenses. Shopping your coverage around is free and is an excellent way to help make ends meet.

With consumers having so many options when it comes to car insurance, it's nearly impossible to locate the lowest cost insurance company.

Are you getting all your discounts?

Companies that sell car insurance don't necessarily list all available discounts very well, so we took the time to find some of the more common as well as the least known ways to save on car insurance.

Defensive Driving Course - Taking part in a driver safety course could cut 5% off your bill if you qualify.
55 and Retired - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
Government Employees - Active or retired federal employment may qualify you for a discount depending on your company.
Sign Early and Save - Some insurance companies reward drivers for switching to them prior to your current policy expiring. It can save you around 10%.
Theft Prevention System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
Clubs and Organizations - Belonging to a professional or civic organization could trigger savings when buying car insurance.
Fewer Miles Equal More Savings - Keeping the miles down can earn better rates on cars that stay parked.
Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.

It's important to note that many deductions do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, you're out of luck.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no "perfect" insurance plan. Everyone's needs are different so this has to be addressed. For instance, these questions may help you determine whether you might need an agent's assistance.

Should I rate my vehicle as pleasure use or commute?
Should I put collision coverage on all my vehicles?
Am I covered if I drive in a foreign country?
Does my car insurance cover rental cars?
Do I need special endorsements for business use of my vehicle?
Are rental cars covered under my policy?
Is my dog or cat covered if injured in an accident?
What can I do if my company won't pay a claim?

If it's difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

How can 21st Century, Allstate and State Farm save drivers who switch?

21st Century, Allstate and State Farm regularly use ads on television and other media. All the companies make the same claim that you can save if you move your coverage to them. But how can every company make the same claim?

All the different companies have a preferred profile for the type of customer that earns them a profit. For example, a profitable customer could be between the ages of 30 and 50, insures multiple vehicles, and drives newer vehicles. Any new insured who matches those parameters is entitled to the best price and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile must pay a higher premium which leads to business going elsewhere. Company advertisements say "customers that switch" not "everybody who quotes" save that much money. This is how insurance companies can claim big savings. This illustrates why you should get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

More sites with car insurance information

Additional detailed information can be found at the Nebraska Department of Insurance website. Consumers can discover disciplinary actions, learn about insurance regulations, download brochures, and file complaints about a company.

Also read more on this resource for Nebraska car insurance prices and this link which helps you find a Bertrand agent.

Do the work, save more money

Lower-priced car insurance is definitely available from both online companies as well as from independent agents in Bertrand, and you should compare price quotes from both to have the best rate selection. A few companies don't offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, don't be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced physical damage coverage only to discover later that it was a big mistake. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.