Find the Cheapest Howells Auto Insurance

Comparison shopping for Howells auto insurance is nearly impossible for consumers new to buying insurance online. Consumers have so many options available that it can be more work than you anticipated to locate the lowest price in Howells.

Policy discounts you shouldn't miss

Companies don't list all available discounts in a way that's easy to find, so we break down both well-publicized and the harder-to-find ways to save on auto insurance.

  • Clubs and Organizations - Participating in a civic or occupational organization could trigger savings when buying auto insurance.
  • No Claims - Claim-free drivers can save substantially when compared with drivers who are more careless.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to enroll in driver's education in high school.
  • Military Discounts - Having a family member in the military can result in better rates.
  • One Accident Forgiven - A handful of insurance companies will allow you to have one accident before your rates go up so long as you haven't had any claims prior to the accident.

It's important to note that most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like it's possible to get free car insurance, you're out of luck.

Save $429 a year? Really?

Allstate, GEICO and Progressive regularly use television and radio advertisements. All the companies make the same claim that you can save if you move your policy. How can each company make almost identical claims? This is how they do it.

All companies can use profiling for the right customer that earns them a profit. For example, a profitable customer could possibly be between 25 and 40, is a homeowner, and chooses high deductibles. A driver who matches those parameters gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't qualify for the requirements must pay more money which leads to the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that kind of money. That's why insurance companies can state the savings. This illustrates why you should compare many company's rates. It is impossible to predict the company that will give you the biggest savings.

Additional detailed information can be found at the Nebraska Department of Insurance website. Nebraska consumers can find out which companies have the most complaints, read industry bulletins, and download brochures.

Final considerations

Lower-priced auto insurance is possible online in addition to many Howells insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Insureds who switch companies do it for any number of reasons including questionable increases in premium, high rates after DUI convictions, extreme rates for teen drivers and even delays in responding to claim requests. No matter why you want to switch, switching auto insurance companies is less work than it seems.

When buying insurance coverage, it's not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.