8 Simple Tips to Slash Car Insurance Costs in Edgar

Nobody enjoys paying for car insurance, especially when their premiums are through the roof. Having so many choices, it can be hard to locate the most cost effective provider.

Save big with these eight discounts

Companies do not advertise every discount very well, so we break down some of the more common and also the lesser-known ways to save on car insurance. If you don't get every credit you qualify for, you are throwing money away.

  • Military Rewards - Having a family member in the military could be rewarded with lower premiums.
  • Good Student - Performing well in school can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Homeowners Savings - Simply owning a home may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Discount for Swiching Early - Some companies give discounts for switching to them prior to your current policy expiring. The savings is around 10%.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Auto/Life Discount - Companies who offer life insurance give a break if you buy life insurance.
  • Multiple Cars - Insuring all your vehicles on one policy can get a discount on all vehicles.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, car insurance companies aren't that generous.

compare Edgar car insurance rates

But I don't know anything about car insurance

When it comes to buying adequate coverage for your vehicles, there really is no "perfect" insurance plan. Every situation is different so this has to be addressed. These are some specific questions may help highlight if your situation might need an agent's assistance.

  • Do I have coverage when using my vehicle for my home business?
  • Why am I required to buy high-risk coverage?
  • When do I need to add a new car to my policy?
  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?

If it's difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It's fast, doesn't cost anything and you can get the answers you need.

Car insurance ads bend the truth

Consumers get pounded daily by advertisements for cheaper car insurance by companies like State Farm, Allstate and GEICO. They all make the same claim about savings if you change to them.

But how can every company make the same claim? It's all in the numbers.

Insurance companies have a certain "appetite" for the type of driver that earns them a profit. For example, a driver they prefer could be between the ages of 30 and 50, a clean driving record, and has a high credit rating. Any new insured who matches those parameters is entitled to the best price and most likely will save a lot of money.

Consumers who fall outside this ideal profile will be quoted higher rates which leads to business going elsewhere. The ads state "customers who switch" not "people who quote" save money. That is how companies can truthfully state the savings. This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict which company will have the lowest rates.

Additional Nebraska consumer information

Even more information can be found at the Nebraska Department of Insurance website. Consumers can find disaster information, file complaints about a company, report car insurance fraud, and find out industry alerts.

Also read more on this page for car insurance prices in Nebraska and this page of Edgar insurance agents.

Nebraska car insurance

Best coverage at the best price

You just learned many ideas to reduce car insurance prices online. It's most important to understand that the more providers you compare, the better your comparison will be. Consumers may even find the lowest rates come from some of the smallest insurance companies. Regional companies may have significantly lower rates on certain market segments than their larger competitors like .

Cheap car insurance can be sourced from both online companies and with local Edgar insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.