Proven Techniques to Save on Geneva Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you you're not the only one.

There are many to buy insurance from, and though it is a good thing to have a selection, it makes it harder to compare rates.

Save big with these discounts

Properly insuring your vehicles can get expensive, but there are discounts available that many people don't even know exist. Certain discounts will be applied at the time of quoting, but a few need to be specially asked for before you will receive the discount.

Accident Free - Drivers with accident-free driving histories can save substantially when compared to bad drivers.
Defensive Driver - Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
Homeowners Discount - Simply owning a home may trigger a auto insurance policy discount because owning a home is proof that your finances are in order.
Military Rewards - Having a deployed family member could mean lower rates.

Keep in mind that most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like comp or med pay. Just because it seems like all those discounts means the company will pay you, it just doesn't work that way. But any discount will bring down your overall premium however.

To see a list of insurance companies offering auto insurance discounts in Nebraska, follow this link.

Quick Geneva Auto Insurance Quotes

There are several ways of comparing rate quotes from auto insurance companies in your area. The best method to find the cheapest insurance rates is to get quotes online. This can be done in just a few minutes using one of these methods.

The best way to get quotes is to use a rate comparison form click here to open form in new window. This method saves time by eliminating multiple quote forms to each individual auto insurance company. Completing one form compares rates from multiple low-cost companies.
A less efficient way to get quotes online is going to the website of each company to complete a price quote. For sake of this example, we'll assume you want to compare rates from , and . To find out each rate you need to spend time on each company's site and enter your information, which is why the first method is quicker. To view a list of companies in Geneva, click here.
The least efficient method to compare rates is to waste gas driving to and from local insurance agencies. The internet has reduced the need for local agents unless you want the professional advice only provided by licensed agents. You can, however, obtain prices from the web and still use a local agent and we'll touch on that later.

Whichever way you use, compare identical coverage limits and deductibles with each company. If each company quotes different liability limits then you won't be able to make an equal comparison in Geneva. Just a small difference in limits can make a big difference in price. Just keep in mind that quoting more helps locate the best rates.

What determines how much you pay?

An important part of buying insurance is that you know some of the elements that go into determining auto insurance rates. Knowing what influences your rates allows you to make educated decisions that will entitle you to big savings.

Listed below are a few of the "ingredients" companies use to determine prices.

Your job and insurance rates - Did you know your auto insurance rates can be affected by your occupation? Careers like lawyers, architects and financial analysts tend to pay higher average rates due to high stress and lots of time spent at work. Conversely, professions such as actors, engineers and homemakers have the lowest average rates.
Little extras can really add up - There are many extra coverages that can waste your money if you aren't careful. Coverages for roadside assistance, accident forgiveness and motor club memberships are examples of these. These coverages may sound good initially, but if you don't need them eliminate them to save money.
Multi-policy discounts can save money - Most companies provide better rates to people who carry more than one policy in the form of a multi-policy discount. Even with this discount, it's still a good idea to compare rates to make sure you are getting the best deal. You may still be able to find a better deal by splitting coverages up.
Marriage pays dividends - Having a spouse can actually save you money when buying auto insurance. Having a significant other is viewed as being more mature and statistics show being married results in fewer claims.
Choose a safe vehicle and save - Vehicles with good safety scores are cheaper to insure. The safest vehicles result in less severe injuries and better occupant protection means lower claim amounts and thus lower rates.
Better credit means lower rates - Having a bad credit score is a big factor in calculating your auto insurance rates. So if your credit is lower than you'd like, you could pay less to insure your by spending a little time repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than those with poor credit.
Battle of the sexes - Statistics demonstrate that women are safer drivers than men. That doesn't necessarily mean that women are better drivers. They both tend to get into accidents in similar percentages, but the men cause more damage. Men also statistically get cited for more serious violations like reckless driving and DUI. Young males are the most expensive to insure and therefore have the most expensive auto insurance rates.

Auto insurance ads bend the truth

Auto insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads on TV and radio. They all say the same thing that you can save if you switch to them. How does each company say the same thing? It's all in the numbers.

All the different companies are able to cherry pick for the type of driver that is profitable for them. For example, a driver they prefer might be profiled as between the ages of 30 and 50, has no tickets, and chooses high deductibles. A propective insured who fits that profile will qualify for the lowest rates and most likely will save when switching.

Potential insureds who fall outside these standards will be quoted more money which usually ends up with business not being written. The ad wording is "customers who switch" not "people who quote" save money. That's the way insurance companies can state the savings.

This emphasizes why drivers must get a wide range of price quotes. It's not possible to predict which auto insurance company will give you the biggest savings.

Shop smart and save

Affordable auto insurance can be found on the web and with local Geneva insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

When buying insurance coverage, never reduce coverage to reduce premium. There are too many instances where an insured dropped physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at the best price while still protecting your assets.

Find out more about auto insurance

More information can be found on the website for the Nebraska Department of Insurance found here. Nebraska drivers can read industry bulletins, discover disciplinary actions, read consumer alerts, and get help finding coverage.