Best Way to Find the Cheapest Curtis Car Insurance

Are you overwhelmed by the wide range of car insurance choices in Curtis? Many other drivers are as well. People have so many choices that it can turn into a big hassle to find the lowest price.

Save big with these discounts

Companies don't list all available discounts in a way that's easy to find, so the following is a list of some of the more common as well as the least known savings tricks you should be using.

Fewer Miles Equal More Savings - Keeping the miles down could qualify for discounted rates on garaged vehicles.
Drivers Ed for Students - Have your child enroll in driver's education in high school.
Discount for Good Grades - A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
Paperless Signup - A handful of insurance companies will give a small break for buying your policy digitally online.
No Charge for an Accident - A handful of insurance companies will forgive one accident before raising your premiums so long as you haven't had any claims for a particular time prior to the accident.
Theft Prevention System - Cars that have factory anti-theft systems help deter theft and will save you 10% or more.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only reduce individual premiums such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, car insurance companies aren't that generous.

To see a list of insurers with the best car insurance discounts in Curtis, click here to view.

Quick Curtis Car Insurance Quotes

There are several ways to compare quotes from car insurance companies in your area. The best method to find the lowest rates consists of shopping online. This can be done in just a few minutes using one of these methods.

The best way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for separate forms to each individual car insurance company. Completing one form will return price quotes from several companies.It's the quickest way to get rates.
Another way to get quotes online consists of visiting the website for every company you want to comare to complete their respective quote request forms. For example, we'll assume you want to compare rates from , and . To find out each rate you need to visit each site to enter your coverage information, which is why the first method is more popular.

To view a list of companies in Curtis, click here.

It's up to you which method you use, but compare exactly the same deductibles and coverage limits on every quote you get. If you have different values for each quote it's not possible to determine which rate is truly the best in Curtis. Quoting even small variations in coverages may cause a big price difference. Just keep in mind that obtaining a wide range of quotes will improve the odds of getting better pricing.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the different types of things that come into play when calculating your car insurance rates. Having a good understanding of what impacts premium levels enables informed choices that could result in big savings.

The list below includes some of the items car insurance companies consider when setting premiums.

Safer cars are cheaper to insure - Vehicles with good safety scores can get you lower premiums. Safe vehicles reduce injuries and fewer injuries means lower claim amounts and more competitive rates for policyholders.
High numbers of claims are not good - If you are a frequent claim filer, you can pretty much guarantee higher rates. Auto insurance companies in Nebraska award cheaper rates to insureds who are claim-free. Insurance coverage is meant to be used in the event of the large, substantial claims.
How's your driving record? - Whether or not you get tickets has a huge affect on how much you pay. Careful drivers have lower premiums than people who have multiple driving citations. Even one moving violation can boost insurance rates forty percent or more. Drivers with severe tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
Pay less if you're married - Getting married actually saves money on your policy. Having a spouse means you're more responsible and it's proven that being married results in fewer claims.
Sex matters - Statistics demonstrate women are more cautious behind the wheel. However, don't assume that men are worse drivers. They both tend to get into accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to receive more costly citations such as reckless driving.
Bundling policies can get discounts - The majority of insurers will award you with lower prices to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even if you're getting this discount you still need to compare rates to ensure the best deal. Consumers may find a better deal by insuring with multiple companies.
Mature drivers pay less - Older insureds are more responsible, file fewer claims and receive fewer citations. Young drivers tend to be more careless when behind the wheel and because of this, their car insurance rates are much higher.

Car insurance ads bend the truth

21st Century, Allstate and State Farm regularly use ads on TV and radio. All the companies make an identical promise about savings if you move to their company. How can each company make the same claim?

All the different companies are able to cherry pick for the driver that is profitable for them. A good example of a profitable customer could be a mature driver, has no tickets, and has great credit. A customer who meets those qualifications will get very good rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements must pay a higher premium and ends up with business going elsewhere. The ads say "customers that switch" not "people who quote" save that much. That's the way companies can truthfully advertise the savings. This illustrates why drivers must get a wide range of price quotes. Because you never know which car insurance company will give you the biggest savings.

Final considerations

Cheap car insurance is possible from both online companies and also from your neighborhood Curtis agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

People who switch companies do it for a number of reasons such as delays in responding to claim requests, extreme rates for teen drivers, poor customer service or an unsatisfactory settlement offer. Whatever your reason, choosing a new insurance company is actually quite simple.

We just showed you some good ideas how you can compare car insurance prices online. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. Consumers may even find the best price on car insurance is with the least-expected company.

Find out more about car insurance

Even more information can be read at the Nebraska Department of Insurance website. Consumers can find disaster information, download brochures, and file complaints about a company.