5 Discounts Columbus Drivers Forget when Comparing Car Insurance

Consumers who are new to the process of buying insurance online might discover finding the lowest-priced Columbus car insurance is harder than they anticipated.

Finding the best rates in Columbus is easy if you know what you're doing. If you are insured now or are looking for a new policy, you can use these techniques to find the best rates and still get good coverage. Nebraska vehicle owners just need to know the tricks to buy car insurance online.

compare Columbus car insurance rates

Are you getting all your discounts?

Car insurance companies don't list every discount very clearly, so the following is a list of some of the more common and the more hidden savings tricks you should be using. If you're not getting every credit you qualify for, you're just leaving money on the table.

  • Lower Rates for Military - Being on active duty in the military can result in better rates.
  • Air Bag Discount - Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Pay Upfront and Save - If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Multiple Policy Discount - When you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
  • Anti-theft System - Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

Drivers should understand that most discounts do not apply to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. Just because it seems like you could get a free car insurance policy, companies wouldn't make money that way.

For a list of insurance companies with the best car insurance discounts in Nebraska, click here to view.

Car Insurance Comparison Rates in Columbus, NE

Most major insurance companies like State Farm, Allstate and GEICO give price estimates directly from their websites. Getting quotes is quite simple as you simply type in your personal and coverage information as detailed in the form. Once entered, their rating system will obtain information on your driving record and credit history and generates pricing information.

This streamlines rate comparisons, but the time it takes to visit each company's website and repetitively fill out multiple forms can be a bit tiresome and repetitive. But it's very important to compare as many rates as possible in order to get the best price on car insurance.

The easy way to compare rates

A more efficient way to compare rates is to use a quote form that gets prices from several companies at one time. The form is fast, requires much less work on your part, and makes comparison shopping much more enjoyable and efficient. After your information is entered, your coverage is rated and you are able to buy any one of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and purchase coverage. This process can be completed in a matter of minutes and you will know how your current rates stack up.

To find out if lower rates are available, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend that you enter just like they are on your policy. This helps ensure you are getting comparison quotes based on identical coverages.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there isn't really a "perfect" insurance plan. Each situation is unique.

For instance, these questions may help highlight whether you may require specific advice.

  • Do I have coverage when using my vehicle for my home business?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Do I need special endorsements for business use of my vehicle?
  • When do I need to add a new car to my policy?

If you're not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, free and can provide invaluable advice.

In the end, you save

People who switch companies do it for many reasons like unfair underwriting practices, poor customer service, policy non-renewal and lack of trust in their agent. Regardless of your reason for switching companies, finding the right car insurance provider is not as hard as you think.

You just learned many tips how you can get a better price on car insurance. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the biggest savings come from a company that doesn't do a lot of advertising.

While you're price shopping online, make sure you don't sacrifice coverage to reduce premiums. There have been many situations where someone dropped collision coverage and discovered at claim time they didn't purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.