Tightwads Tips for Saving on Genoa Car Insurance

Nobody cherishes buying car insurance, especially when the cost is way too high.

You have multiple to buy insurance from, and even though it's nice to have a selection, having more makes it harder to compare rates.

This information will introduce you to how to effectively get price quotes. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this information. But Nebraska car owners do need to know how companies price online insurance and apply this information to your search.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, but you may find discounts that many people don't even know exist. Some trigger automatically when you quote, but less common discounts must be manually applied before you get the savings.

  • Multi-car Discount - Buying insurance for more than one vehicle on the same car insurance policy can get a discount on all vehicles.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Theft Prevention Discount - Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Accident Forgiveness - Certain companies allow you one accident before raising your premiums so long as you haven't had any claims for a set time period.
  • Early Signing - Some companies give discounts for switching to them before your current expiration date. This can save 10% or more.
  • Auto/Home Discount - When you combine your home and auto insurance with one company you may earn at least 10% off all policies.
  • Accident Free - Good drivers with no accidents can save substantially when compared with bad drivers.
  • Fewer Miles Equal More Savings - Driving fewer miles can earn discounted rates on garaged vehicles.
  • Passive Restraints - Vehicles equipped with air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance.

Drivers should understand that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

To see a list of insurers offering car insurance discounts in Nebraska, click here to view.

Genoa Car Insurance Quote Comparison

The are a couple different ways to compare quotes from different Genoa insurance companies. The best method to find the lowest rates is simply to get online rate quotes. This can be done in a couple of different ways.

  • The best way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This easy form prevents you from having to do separate quotes for each company you want a rate for. A single form compares rates instantly.
  • Another way to shop for car insurance online is going to each individual company website to complete their respective quote request forms. For instance, we'll pretend you want to compare , and . To get each rate you have to go to every website and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in Genoa, click here.

It's your choice how you get your quotes, but make absolute certain that you use identical coverage limits and deductibles on every quote you get. If you are comparing different liability limits then you won't be able to determine which rate is truly the best in Genoa. Quoting even small variations in insurance coverages can mean a large discrepancy in price. And when quoting car insurance, remember that more quotes helps locate the best rates.

Why some people pay less for insurance in Genoa

An important part of buying insurance is that you know the different types of things that go into determining your car insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that could result in much lower annual insurance costs.

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

  • Lower deductibles cost more - Deductibles for physical damage represent how much money you are willing to pay if you file a covered claim. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. The higher the amount you're willing to pay, the lower your rates will be.
  • Your credit rating is important - A driver's credit score is a big factor in determining your rates. If your credit rating 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 as compared to drivers with poor credit.
  • Consolidate policies to earn discounts - Most insurers will award you with lower prices to policyholders who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it's still a good idea to compare rates to make sure you are getting the best deal.
  • Battle of the sexes - Statistics show that women are safer drivers than men. That doesn't necessarily mean that women are better drivers. Both sexes have accidents in similar percentages, but the male of the species cause more damage. Men also tend to receive more costly citations such as reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive car insurance rates.

Insurance agents can help

When choosing the right insurance coverage for your vehicles, there isn't really a best way to insure your cars. Every situation is different so your insurance should reflect that For example, these questions might point out whether your personal situation would benefit from an agent's advice.

  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover me when driving someone else's vehicle?
  • Does my car insurance cover rental cars?
  • Am I covered when driving in Canada or Mexico?
  • Are there companies who specialize in insuring high-risk drivers?

If you're not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Save $429 a year? Really?

Allstate, GEICO and Progressive constantly bombard you with television and radio advertisements. All the companies make an identical promise that you'll save big if you switch to them. How does each company make the same claim? It's all in the numbers.

Insurance companies have a certain "appetite" for the type of driver that is profitable for them. For example, a profitable customer could be between 25 and 40, owns a home, and drives less than 7,500 miles a year. A customer who meets those qualifications gets the lowest rates and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards must pay a higher premium and ends up with business going elsewhere. Company advertisements say "customers who switch" but not "drivers who get quotes" save money. That is how companies can advertise the way they do.

This illustrates why drivers must get as many quotes as possible. Because you never know which company will provide you with the cheapest rates.

Shop smart and save

Budget-conscious car insurance can be found from both online companies and with local Genoa insurance agents, so you should compare both to have the best selection. Some car insurance companies do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When shopping online for car insurance, never reduce coverage to reduce premium. In too many instances, an insured cut physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

We just showed you many tips how you can compare car insurance prices online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the most savings is with some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower rates compared to the large companies like .

Genoa car insurance quote

For more Nebraska car insurance information

Much more information about car insurance in Nebraska can be found on the website for the Nebraska Department of Insurance found here. Consumers can report car insurance fraud, find out industry alerts, read consumer alerts, and learn about insurance regulations.