Clay Center Auto Insurance For Less Than You're Paying Now

If you are a novice to online auto insurance shopping, it's easy to get confused by the hoards of auto insurance companies competing for business in Clay Center.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this strategy. The purpose of this article is to familiarize you with the best way to quote coverages and some tricks to saving. Nevertheless, Nebraska drivers do need to know the methods companies use to sell online because it can help you find the best coverage.

These discounts can lower your rates

Companies do not advertise all available discounts in a way that's easy to find, so we researched both well-publicized as well as the least known auto insurance savings.

Safety Course Discount - Taking a course in driver safety can save you 5% or more and easily recoup the cost of the course.
Good Student - A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
Memberships - Participating in a civic or occupational organization could qualify you for a break when buying auto insurance.
Drivers Ed for Students - Have your child enroll in driver's education if offered at their school.
Save over 55 - Mature drivers may receive better auto insurance rates.
Discount for Life Insurance - Larger companies have better rates if you take out life insurance from them.
Accident Forgiveness - A handful of insurance companies will forgive one accident before raising your premiums so long as you haven't had any claims for a certain period of time.
Auto/Home Discount - When you combine your home and auto insurance with one insurance company you may earn 10% to 20% off each policy.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as liability and collision coverage. Just because you may think you could get a free auto insurance policy, companies don't profit that way.

To see a list of insurers with discount auto insurance rates in Clay Center, follow this link.

Vehicle Insurance Comparison

Most companies quote coverage prices directly from their websites. Getting online rates is pretty painless as you just enter your personal and coverage information as detailed in the form. Once you submit the form, the company's rating system will obtain credit information and your driving record and generates pricing information based on these and other factors.

Online quotes helps simplify price comparisons, but the time it takes to visit different websites and fill out multiple forms is monotonous and tiresome. But it's very important to have as many quotes as possible if you are searching for better auto insurance pricing.

The preferred way to compare rates uses one simple form that gets prices from several different companies. The form is fast, eliminates form submissions, and makes rate comparisons much more enjoyable and efficient. Once the form is submitted, it is quoted with multiple companies and you can pick your choice of the price quotes you receive. If a lower price is quoted, you simply finish the application and purchase coverage. It just takes a couple of minutes and may result in a nice savings.

To save time and find out what other companies charge, click here to open in new window and submit your coverage information. If you have coverage now, it's recommended that you enter coverages and limits identical to your current policy. This makes sure you will have an apples-to-apples comparison based on the exact same insurance coverage.

Clay Center Rates are Influenced by These Factors

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for auto insurance. Having a good understanding of what determines base rates enables informed choices that could result in better auto insurance rates.

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

Don't get talked into coverage you don't need - There are quite a few additional coverages that you can get tricked into buying on your auto insurance policy. Insurance for rental car reimbursement, accidental death and term life insurance are examples of these. They may seem good when you first buy your policy, but if they're wasting money eliminate the coverages to reduce your premium.
Traffic violations increase rates - Only having one citation can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than their less careful counterparts. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
Protect your assets with liability insurance - Your policy's liability coverage is the coverage that protects you if a court rules you are at fault for causing damage or personal injury in an accident. Liability provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
Special features that cut premiums - Owning a car with an alarm system can help bring down rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.

Different people need different coverages

When choosing the best auto insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone's situation is a little different.

For instance, these questions may help highlight whether you could use an agent's help.

Should I have combined single limit or split liability limits?
Why am I required to buy high-risk coverage?
Am I getting all the discounts available?
Is rental equipment covered for theft or damage?
Should I rate my vehicle as pleasure use or commute?
Should I put collision coverage on all my vehicles?

If you don't know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Are you falling for claims of savings?

21st Century, Allstate and State Farm consistently run ads on television and other media. All the companies say the same thing of big savings if you change to their company. How can each company make almost identical claims?

Different companies have a certain "appetite" for the driver that is profitable for them. For instance, a profitable customer could possibly be over the age of 40, a clean driving record, and has a high credit rating. A driver who fits that profile will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements must pay a higher premium which usually ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everybody who quotes" save that much. That is how insurance companies can confidently state the savings. This illustrates why drivers must get a wide range of price quotes. It is impossible to predict which company will have the lowest rates.

Shop smart and save

Cost effective auto insurance can be sourced online and also from your neighborhood Clay Center agents, and you need to comparison shop both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

In this article, we presented many ways to compare auto insurance prices online. It's most important to understand that the more companies you get rates for, the higher the chance of saving money. Consumers may even find the lowest premiums are with some of the lesser-known companies.

Consumers leave their current company for a number of reasons such as questionable increases in premium, poor customer service, extreme rates for teen drivers or denial of a claim. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

More tips and info about auto insurance is located at the Nebraska Department of Insurance website. Nebraska consumers can discover disciplinary actions, file complaints about a company, and find out which companies have the most complaints.