6 Ways to Save on Car Insurance in Clarks

Beginners to buying insurance online will find shopping for cut-rate Clarks car insurance quite difficult.

It's important to take a look at other company's rates periodically since rates are constantly changing. Despite the fact that you may have had the best price a couple years back you can probably find a better price now. Ignore everything you know about car insurance because you're about to find out one of the best ways to find better coverage at a better price.

Clarks car insurance comparison

How much can you save with these six discounts?

Companies that sell car insurance don't always advertise all their discounts in a way that's easy to find, so we took the time to find some of the more common and the more hidden discounts you could be receiving.

  • New Car Discount - Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Good Student - This discount can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • 55 and Retired - If you're over the age of 55, you may be able to get better car insurance rates.
  • Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Multiple Vehicles - Buying insurance for multiple vehicles with the same company could earn a price break for each car.

It's important to note that some credits don't apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, you're out of luck.

To choose companies who offer car insurance discounts in Clarks, click here.

Save 15 percent in 15 minutes? Is it for real?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to have a common claim that you can save after switching to their company. How can each company make the same claim?

All companies have a certain "appetite" for the driver that makes them money. For example, a desirable insured could be a mature driver, a clean driving record, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" receives the best rates and is almost guaranteed to save when they switch companies.

Potential customers who don't meet the requirements will have to pay a more expensive rate and this can result in business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. That is how insurance companies can advertise the way they do. Because of the profiling, you should get quotes from several different companies. It's just too difficult to predict which company will provide you with the cheapest rates.

How much car insurance do I need?

When buying the right insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Everyone's needs are different.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Should I file a claim if it's only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in Nebraska?
  • Should I buy additional glass protection?
  • Am I covered when pulling a rental trailer?
  • Do I need PIP (personal injury protection) coverage in Nebraska?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?

If you can't answer these 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, complete this form.

Additional detailed information can be found at the Nebraska Department of Insurance website. Consumers can read enforcement actions against agents and companies, file complaints about a company, and learn about insurance regulations.

Nebraska car insurance

The best insurance company isn't always the cheapest

As you go through the steps to switch your coverage, it's not a good idea to buy poor coverage just to save money. There are many occasions where someone dropped physical damage coverage only to regret at claim time that the savings was not a smart move. Your aim should be to buy enough coverage at an affordable rate.

You just learned a lot of ways to save on car insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the best price on car insurance is with an unexpected company.

Drivers change insurance companies for many reasons like not issuing a premium refund, poor customer service, denial of a claim or even unfair underwriting practices. It doesn't matter what your reason, finding the right car insurance provider is easier than you think.