Tightwads Guide to Saving on Grand Island Auto Insurance

Expensive auto insurance can overdraw your checking account, especially in this economy. Shopping your coverage around is a smart way to slash your bill and have more diposable income.

With consumers having so many auto insurance companies to choose from, it is very difficult to locate the right company.

Be sure to get all your discounts

Companies offering auto insurance don't list all available discounts very well, so we took the time to find both well-publicized and the harder-to-find auto insurance savings.

  • Defensive Driver - Completing a course in driver safety could cut 5% off your bill if you qualify.
  • Auto/Home Discount - If you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Early Signing - Select companies give a discount for switching policies prior to your current policy expiring. This can save 10% or more.
  • Good Student Discount - Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
  • Multi-car Discount - Buying insurance for more than one vehicle on one policy qualifies for this discount.

It's important to note that most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you can get free auto insurance, you're out of luck.

auto insurance in Grand Island

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every insured's situation is different and a cookie cutter policy won't apply. For example, these questions can help discover whether or not you would benefit from professional advice.

  • Should I rate my vehicle as pleasure use or commute?
  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Why am I required to buy high-risk coverage?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Should I buy additional glass protection?
  • Is rental equipment covered for theft or damage?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Is there truth in advertising?

21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies say the same thing that you can save if you switch to their company. But how can every company make almost identical claims? This is how they do it.

All companies have a preferred profile for the driver that earns them a profit. For example, a profitable customer could possibly be a mature driver, has no prior claims, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don't measure up to this ideal profile must pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ad wording is "drivers who switch" but not "drivers who get quotes" save that much. This is how insurance companies can advertise the way they do. This illustrates why you should get as many quotes as possible. It's impossible to know which insurance companies will provide you with the cheapest rates.

Additional detailed information can be found at the Nebraska Department of Insurance website. Nebraska consumers can discover disciplinary actions, view agent and company licensing information, learn about specific coverages, and file complaints about a company.

Also read more on this resource for Nebraska auto insurance prices and this link which helps you find a Grand Island agent.

Nebraska auto insurance quotes

Affordable insurance is out there

Lower-priced auto insurance is available online and also from your neighborhood Grand Island agents, and you need to price shop both to have the best chance of lowering rates. Some auto insurance companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, don't be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice physical damage coverage only to discover later that the savings was not a smart move. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.

You just read a lot of tips how to reduce auto insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the best price on auto insurance is with a lesser-known regional company. Regional companies often have lower prices on specific markets compared to the large companies like .