Getting the Cheapest North Platte Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say many North Platte consumers feel financially strained by their auto insurance policy. Companies like GEICO and Progressive promote their brand names with ad campaigns and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to compare prices at least once a year because insurance rates are constantly changing. Even if you got the best rates a few years ago there is a good chance you can find better rates now. You'll find quite a bit of inaccurate information about auto insurance on the internet, so I'm going to show you some great ways to reduce your auto insurance bill.

If you have insurance now or need new coverage, you will benefit by learning to find better prices and possibly find even better coverage. Buying car insurance in North Platte is easy if you know what you're doing. Nebraska vehicle owners just need to know the proper methods to get comparison quotes online.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the rating factors that go into determining the price you pay for auto insurance. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with much lower annual insurance costs.

Discounts for married couples - Getting married can actually save you money on your auto insurance policy. It means you're more mature than a single person it has been statistically shown that being married results in fewer claims.
Don't buy coverages you don't need - There are many extra coverages that you can buy on your auto insurance policy. Insurance for roadside assistance, towing coverage and term life insurance may be wasting your money. They may seem like a good idea when talking to your agent, but if they're wasting money eliminate the coverages to reduce your premium.
Discounts for multiple policies - Most auto insurance companies will give a discount to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even though this discount sounds good, it's in your best interest to comparison shop to ensure the best deal. You may still be able to find a better deal by buying insurance from more than one company.
Your job and insurance rates - Did you know that where you work can have an impact on rates? Jobs such as real estate brokers, executives and dentists tend to have the highest average rates in part from stressful work requirements and long work days. Other professions such as actors, historians and homemakers receive lower rates.
Lower miles equals lower premium - The more miles you rack up on your car in a year the more you will pay for auto insurance. Most insurance companies apply a rate based on how the vehicle is used. Autos used primarily for pleasure use get more affordable rates than those used for commuting. Double check that your auto insurance policy is rated on how each vehicle is driven.
Don't sacrifice liability coverage - Liability insurance provides coverage if ever a court rules you are at fault for causing damage or personal injury in an accident. It will provide you with a defense in court which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
Claim-free discounts can add up - Car insurance companies in Nebraska give cheaper rates to people who are claim-free. If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Your insurance policy is designed for the large, substantial claims.

Comprehensive North Platte Auto Insurance Comparison Quotes

Reducing your insurance rates doesn't have to be difficult. Just spend a few minutes on the computer comparing rate quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

The fastest way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This form saves time by eliminating repetitive form entry for each company you want a rate for. Completing one form compares rates direct from many companies.
A less efficient way to compare rate quotes is going to each individual company website to complete a price quote. For examples sake, let's assume you want to compare rates from , and . To get each rate you have to take the time to go to each site and enter your information, and that's why the first method is more popular.

To view a list of companies in North Platte, click here.

It's up to you how you get prices quotes, just compare exactly the same coverage limits and deductibles with each company. If you use different liability limits it will be very difficult to make an equal comparison in North Platte.

Take advantage of discounts

Auto insurance companies don't necessarily list all their discounts in a way that's easy to find, so the following is a list of both well-publicized and the harder-to-find ways to save on auto insurance. If you aren't receiving every discount possible, you are paying more than you should be.

Sign Online - A few companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
Defensive Driver - Successfully completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
Bundle and Save - If you insure your home and vehicles with the same company you may save at least 10% off all policies.
No Accidents - Drivers with accident-free driving histories pay less as compared to accident-prone drivers.
Drive Less and Save - Driving fewer miles could qualify for better rates on cars that stay parked.
No Charge for an Accident - A handful of insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don't have any claims for a set time period.
Auto/Life Discount - Select insurance companies reward you with better rates if you take out life insurance.
Organization Discounts - Participating in a civic or occupational organization could trigger savings on auto insurance.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course in school.
Service Members Pay Less - Having a family member in the military could mean lower rates.

Drivers should understand that most discount credits are not given the the whole policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies wouldn't make money that way.

To choose companies offering auto insurance discounts in North Platte, click this link.

Are auto insurance companies telling the truth?

Nebraska consumers can't ignore all the ads that promise big savings by State Farm, GEICO and Progressive. They all seem to make the same claim that you'll save big if you switch to their company.

How can each company make almost identical claims? This is how they do it.

Insurance companies are able to cherry pick for the driver that makes them money. A good example of a desirable insured could possibly be between 30 and 50, has no tickets, and has a short commute. A driver who matches those parameters is entitled to the best price and most likely will save when they switch companies.

Potential insureds who don't qualify for the requirements will have to pay more money which leads to the driver buying from a lower-cost company. The ads state "drivers who switch" not "people who quote" save that much. That's the way companies can make the claims of big savings. Because of the profiling, you need to quote coverage with many companies. It is impossible to predict which auto insurance company will fit your personal profile best.

More detailed Nebraska auto insurance information can be read at the Nebraska Department of Insurance website. Nebraska consumers can get help finding coverage, discover disciplinary actions, read consumer alerts, and read industry bulletins.

And the best car insurance company is...

Budget-conscious auto insurance can be found online and also from your neighborhood North Platte agents, so compare prices from both to have the best chance of lowering rates. Some insurance providers may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

As you shop your coverage around, it's a bad idea to reduce coverage to reduce premium. In many cases, an insured dropped collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage for the lowest price.