Find Cheaper Lincoln Car Insurance

Finding lower rates for Lincoln car insurance is hard for consumers not familiar with shopping for insurance online. There are so many options available that it can be more work than you anticipated to locate the lowest price in Lincoln.

It's important to get comparison quotes before your policy renews due to the fact that insurance rates are constantly changing. Just because you had the best rates on your last policy you can probably find a better price now. You can find a lot of wrong information about car insurance online, so I'm going to show you some great ways to quit paying high car insurance rates.

If you have car insurance now, you will be able to reduce your rates substantially using this information. This article will let you in on the most effective way to quote insurance and some money-saving tips. Although Nebraska consumers do need to know how companies sell insurance online.

Understand what determines the rate you pay

Consumers need to have an understanding of the factors that go into determining the rates you pay for car insurance. Understanding what impacts premium levels helps enable you to make changes that may reward you with lower car insurance prices.

Listed below are some of the items that factor into rates.

Bump up deductibles to save - Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered would be a windshield shattered by a rock, damage caused by hail, or theft. The deductibles are how much you are willing to pay before a claim is paid by your company. The more expense the insured has to pay upfront, the less your company will charge you for insurance.
Frequent car insurance claims increase rates - If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies in Nebraska generally give better rates to insureds who do not rely on their insurance for small claims. Auto insurance is intended for major claims that would cause financial hardship.
Bad driving skills means higher rates - Your driving citation history impacts your car insurance rates tremendously. Drivers with clean records have lower premiums than bad drivers. Even a single moving violation may increase your cost by twenty percent. Drivers who have serious citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
Do you need those extra coverages? - There are many extra bells and whistles that you can buy when buying car insurance. Coverages like vanishing deductibles, towing coverage and membership fees are some examples. These may sound like a good investment when you first buy your policy, but your needs may have changed so get rid of them and save.
Are you male or female? - The statistics show that men are more aggressive behind the wheel. That doesn't necessarily mean that men are WORSE drivers than women. Women and men have accidents at a similar rate, but the males cause more damage. They also get more serious tickets like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and are penalized with high car insurance rates.
Your occupation can affect rates - Did you know your occupation can influence how much you pay for car insurance? Jobs such as real estate brokers, social workers and accountants are shown to have higher rates than average because of high stress levels and lengthy work days. On the flip side, occupations like farmers, athletes and homemakers pay the least.
Lower rates with optional equipment - Driving a car with an alarm system can save you a little every year. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
More than one policy can earn a discount - Most insurance companies will give a discount to insureds who have multiple policies with them. It's known as a multi-policy discount. Discounts can add up to 10 percent or more. Even if you're getting this discount you still need to comparison shop to confirm you are receiving the best rates possible. You may still be able to find better rates by insuring with multiple companies.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, but companies offer discounts that you may not even be aware of. Some trigger automatically at quote time, but some may not be applied and must be inquired about in order for you to get them.

Homeowners Pay Less - Owning a house in Lincoln can save you money because owning a home demonstrates responsibility.
Employee of Federal Government - Employees or retirees of the government can save as much as 8% with select insurance companies.
Passive Restraint Discount - Factory air bags can get savings of 20% or more.
Defensive Driver - Completing a defensive driving course could save 5% or more if your company offers it.
Senior Citizens - If you're over the age of 55, you may qualify for a discount up to 10%.
No Claims - Claim-free drivers pay less as compared to accident-prone drivers.
Military Discounts - Being deployed with a military unit could mean lower rates.

A little note about advertised discounts, some credits don't apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will cut the amount you have to pay.

To choose companies offering car insurance discounts in Lincoln, click here.

Is there truth in advertising?

Car insurance companies such as State Farm, GEICO and Progressive constantly bombard you with television and radio advertisements. They all seem to have a common claim about savings if you switch your policy. How do they all claim to save you money?

All companies can use profiling for the right customer that makes them money. A good example of a desirable insured might be between 25 and 40, is a homeowner, and has great credit. Any driver that hits that "sweet spot" is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential insureds who don't measure up to the "perfect" profile will have to pay more money and this can result in the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. That's why companies can truthfully advertise the savings.

Because of the profiling, you should get quotes from several different companies. You cannot predict the company that will fit your personal profile best.

Learn more today

Additional information can be read on the Nebraska Department of Insurance website located here. Visitors are able to report car insurance fraud, download brochures, and file complaints about a company.

Affordable insurance is out there

The cheapest car insurance is available both online in addition to many Lincoln insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

Drivers switch companies for a number of reasons such as an unsatisfactory settlement offer, extreme rates for teen drivers, poor customer service or even delays in responding to claim requests. Regardless of your reason, choosing a new insurance company is easier than you think.

We just presented a lot of ways to save on car insurance. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the most savings is with a small local company.