How to Get Low-Cost Lexington Auto Insurance

Are you intimidated by the wide range of auto insurance choices in Lexington? You're not alone. There are so many companies to choose from that it can turn into more work than you anticipated to find better rates.

It's important to compare rates every six months since insurance rates are constantly changing. Even if you got the best rates on your last policy you will most likely find a better rate today. You can find a lot of misleading information regarding auto insurance online but I'm going to show you some great ways to put money back in your pocket.

Buying car insurance in Lexington is easy if you know what you're doing. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these methods. But Nebraska vehicle owners do need to know the way companies price insurance differently.

Save big with these discounts

Car insurance companies don't always list all their discounts very well, so the following is a list of some of the best known and the more hidden savings tricks you should be using.

Senior Discount - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
Multiple Vehicles - Insuring multiple vehicles on one policy could earn a price break for each car.
Bundle and Save - If you have multiple policies with the same company you may save at least 10% off all policies.
Theft Prevention Discount - Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
New Vehicle Savings - Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
Clubs and Organizations - Affiliation with a professional or civic organization is a good way to get lower rates on auto insurance.
Air Bag Discount - Factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.

Consumers should know that most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, companies don't profit that way.

Auto insurance ads bend the truth

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. They all seem to make an identical promise that you'll save big after switching to their company. But how can every company say the same thing?

Insurance companies are able to cherry pick for the driver that earns them a profit. A good example of a desirable insured might be profiled as between the ages of 30 and 50, has no driving citations, and has great credit. A propective insured who meets those qualifications is entitled to the best price and most likely will save a lot of money.

Drivers who fall outside this ideal profile will have to pay higher premiums and ends up with business not being written. The ads state "people who switch" not "people who quote" save that much. That's the way companies can advertise the savings. Because of the profiling, you should get as many comparisons as possible. It's not possible to predict which auto insurance company will fit your personal profile best.

Learn more about Nebraska auto insurance

More detailed Nebraska auto insurance information can be read at the Nebraska Department of Insurance website. Nebraska drivers can read enforcement actions against agents and companies, report car insurance fraud, and view agent and company licensing information.

Also read more on this Car Insurance FAQ and this page of insurance agents in Lexington.

Affordable insurance is out there

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at an affordable rate.

Discount auto insurance can be purchased on the web and also from your neighborhood Lexington agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

People change insurance companies for many reasons like not issuing a premium refund, lack of trust in their agent, policy non-renewal and even unfair underwriting practices. Whatever your reason, finding the right auto insurance provider is less work than it seems.