How to Know You're Wasting Money for Auto Insurance in Nehawka

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out.

There are many to buy insurance from, and although it's a good thing to have a choice, it makes it harder to compare rates.

This article will help educate you on how car insurance quotes work and some tips to save money. If you have car insurance now, you will most likely be able to save some money using these methods. But Nebraska consumers do need to know how companies price insurance differently and take advantage of how the system works.

How to Compare Auto Insurance in Nehawka, Nebraska

There are several ways of comparing rates from auto insurance companies in your area. The recommended way to find the cheapest insurance rates is simply to get online rate quotes. This can be accomplished using a couple different methods.

The first (and easiest) way to get quotes is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing separate quotation requests for every auto insurance company. Filling out one form gets rate comparisons from auto insurance companies with the best prices.

A slightly less efficient method to get quotes online is spending the time to visit the website of each company and complete a new quote form. For instance, let's say you want to compare rates from , and . To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method. To view a list of companies in Nehawka, click here.

The least recommended method to get comparison rates is driving around to insurance agents' offices. The internet makes this process obsolete unless you prefer the personal advice of a local Nehawka agent. However, consumers can compare the best prices online and still use a local agent. We'll cover that shortly.

It's your choice how you get your quotes, but ensure you are comparing identical information on every quote. If your comparisons have higher or lower deductibles it will be next to impossible to make a fair comparison in Nehawka. Quoting even small variations in insurance coverages can make a big difference in price. Just remember that quoting more helps locate the best price.

What determines how much you pay?

It's important that you understand the different types of things that help determine the rates you pay for auto insurance. Knowing what controls the rates you pay allows you to make educated decisions that will entitle you to lower auto insurance prices.

The following are some of the factors companies use to determine prices.

Do you have a high stress job? - Did you know your occupation can influence how much you pay for auto insurance? Careers like doctors, business owners and financial analysts tend to pay higher average rates attributed to stressful work requirements and lengthy work days. Conversely, professions such as actors, engineers and performers have the lowest average rates.
Do you know your deductibles? - Deductibles for physical damage define the amount you are required to spend if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The more money you're willing to pay, the less your auto insurance will be.
Your location affects your rates - Choosing to live in a rural area can save you money when talking about auto insurance. Drivers who live in large cities have to deal with traffic congestion and much longer commute distances. Fewer drivers means fewer accidents and also fewer theft and vandalism claims.
Older drivers save more - Youthful drivers in Nebraska are known to be careless and easily distracted when behind the wheel so they pay higher auto insurance rates. Older insureds are more cautious drivers, tend to file fewer claims and receive fewer citations.
Do men or women drive better? - Statistics demonstrate that women are safer drivers than men. However, this does not mean women are better drivers. Women and men tend to get into accidents at about the same rate, but the men have costlier accidents. Men also statistically receive more costly citations like DUI and reckless driving. Teenage male drivers are several times more likely to be in an accident and thus pay the highest rates.
Cautious drivers pay less - A bad driving record has a lot to do with how much you pay for insurance. Good drivers receive lower rates compared to drivers with tickets. Even one ticket can increase rates forty percent or more. If you have flagrant violations such as DWI, reckless driving or hit and run convictions may find they need to file a SR-22 to the state department of motor vehicles in order to keep their license.

Save big with these discounts

Properly insuring your vehicles can get expensive, but there are discounts available to reduce the price significantly. Some trigger automatically when you complete an application, but lesser-known reductions have to be asked for before they will apply.

Accident Free - Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
Multiple Vehicles - Insuring multiple vehicles on one policy could earn a price break for each car.
Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
Distant Student - Kids in college who live away from home and do not have access to a covered vehicle may qualify for this discount.
No Charge for an Accident - Certain companies permit an accident without raising rates if your claims history is clear prior to the accident.
Discount for Good Grades - Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
Club Memberships - Being a member of a qualifying organization is a good way to get lower rates when shopping for auto insurance.
Military Rewards - Being on active duty in the military may qualify for rate reductions.
Air Bag Discount - Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
Seat Belts Save - Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.

Drivers should understand that most discounts do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. So when the math indicates all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will bring down your overall premium however.

For a list of insurance companies who offer auto insurance discounts in Nebraska, click here to view.

Much more information about auto insurance in Nebraska is available on the website for the Nebraska Department of Insurance through this link. Visitors are able to read industry bulletins, report car insurance fraud, view agent and company licensing information, and read enforcement actions against agents and companies.

The best insurance company isn't always the cheapest

Budget-conscious auto insurance can be purchased both online and with local Nehawka insurance agents, so you should compare both to get a complete price analysis. A few companies do not offer online quoting and these smaller companies work with independent agents.

When trying to cut insurance costs, it's very important that you do not reduce needed coverages to save money. There are too many instances where someone sacrificed comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.