7 Best Tricks to Reduce Car Insurance Costs in Norfolk, NE
Have you had enough of trying to scrape together enough money each month for car insurance? You are in the same boat as millions of other consumers.
Popular companies such as GEICO and Progressive continually hit you with TV and radio ads and consumers find it hard to sift through the bull and find the best price available.
If you currently have car insurance, you stand a good chance to be able to save some money using these methods. Buying car insurance in Norfolk is quite easy. Nevertheless, Nebraska consumers do need to know the way companies sell online and take advantage of how the system works.
Save big with these seven discounts
Companies don't list all available discounts in a way that's easy to find, so here is a list both the well known and the more hidden car insurance savings.
- Fewer Miles Equal More Savings - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
- Pay Now and Pay Less - If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
- Organization Discounts - Being a member of a civic or occupational organization could qualify you for a break when buying car insurance.
- Employee of Federal Government - Employees or retirees of the government can earn a discount up to 10% depending on your company.
- Auto/Home Discount - If you insure your home and vehicles with the same company you will save 10% to 20% off each policy.
- Air Bag Discount - Vehicles equipped with air bags can qualify for discounts of up to 25% or more.
- Accident Free - Claim-free drivers can earn big discounts when compared with accident-prone drivers.
Consumers should know that most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you could get a free car insurance policy, companies don't profit that way.
To choose insurers with discount car insurance rates in Norfolk, follow this link.
Car insurance ads bend the truth
21st Century, Allstate and State Farm consistently run ads on TV and radio. All the companies say the same thing of big savings if you change to them. How can each company claim to save you money?
Different companies can use profiling for the type of driver that makes them money. An example of a profitable customer might be between the ages of 30 and 50, has no tickets, and has excellent credit. Any new insured who fits that profile will get very good rates and most likely will save when they switch companies.
Drivers who fall outside the requirements must pay higher premiums which usually ends up with the customer not buying. The ads say "people who switch" not "people who quote" save money. That's why insurance companies can confidently make those claims. This illustrates why you should compare many company's rates. It's just too difficult to predict the company that will have the lowest rates.
More tips and info about car insurance is available at the Nebraska Department of Insurance website. Visitors are able to find disaster information, view a list of available companies, find out which companies have the most complaints, and download brochures.
Shop smart and save
Cost effective car insurance can be sourced both online and with local Norfolk insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.
While you're price shopping online, it's a bad idea to buy poor coverage just to save money. There are a lot of situations where an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.
