Car Insurance in Pierce - 9 Ways to Save Money

Are you tired of paying out the nose each month for car insurance? You're in the same situation as many other Nebraska drivers. Because there are so many insurance companies to choose from, it can be challenging to find the most affordable insurance company.

It's important to compare prices once or twice a year since rates are constantly changing. Even if you got the lowest rates last year there is a good chance you can find better rates now. So forget all the misinformation about car insurance because we're going to show you the tricks you need to know to find lower rates on car insurance.

Finding affordable coverage in Pierce is easy if you know what you're doing. If you have a current car insurance policy or are shopping for new coverage, you will benefit by learning to find the best rates and still get good coverage. Nebraska vehicle owners just need to know the best way to compare prices over the internet.

How to Compare Car Insurance Costs in Pierce

Effectively comparing car insurance prices can take time and effort if you don't understand the fastest way to get free quotes. You can spend your afternoon talking to insurance agencies in Pierce, or you could use the web for quick rates.

Most of the larger companies belong to a marketplace that allows shoppers to submit one quote, and each company can provide price quotes determined by their information. This system prevents you from having to do form submissions for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The only drawback to pricing coverage this way is buyers cannot specifically choose which providers you will receive quotes from. So if you want to select individual companies to request quotes from, we have a page of companies who write car insurance in Nebraska. Click to view list.

It's up to you how you get prices quotes, just double check that you are using apples-to-apples information with every price quote. If your comparisons have higher or lower deductibles then you won't be able to find the best deal in Pierce.

How much can you save with these nine discounts?

Companies offering auto insurance don't always advertise every available discount very well, so we break down some of the more common and also the lesser-known ways to save on car insurance. If you don't get every credit available, you are paying more than you should be.

Passive Restraints - Vehicles with factory air bags can receive discounts of more than 20%.
Payment Method - If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
Multi-policy Discount - If you insure your home and vehicles with one company you will save 10% to 20% off each policy.
Early Switch Discount - Some companies give discounts for switching to them prior to your current policy expiration. It's a savings of about 10%.
Anti-theft System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
Homeowners Pay Less - Being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
Claim Free - Claim-free drivers can save substantially compared to accident-prone drivers.
Good Students Pay Less - This discount can save 20 to 25%. This discount can apply well after school through age 25.
Auto/Life Discount - Select insurance companies reward you with a break if you buy life insurance from them.

Drivers should understand that most discount credits are not given to the entire cost. A few only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears you could get a free car insurance policy, companies wouldn't make money that way.

To choose providers who offer car insurance discounts in Nebraska, click this link.

Save 15 percent in 15 minutes? Is it for real?

Consumers can't ignore all the ads for the lowest price auto insurance from the likes of State Farm and Allstate. All the ads make the same claim that you'll save big after switching your coverage to them.

But how can every company make the same claim? It's all in the numbers.

Different companies can use profiling for the type of customer that makes them money. For example, a preferred risk could be between the ages of 40 and 55, has no tickets, and drives newer vehicles. Any new insured who matches those parameters receives the best rates and is almost guaranteed to save a lot of money.

Potential customers who don't meet this ideal profile will be charged a more expensive rate which leads to business going elsewhere. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much money. That's why companies can claim big savings. That is why you need to get a wide range of price quotes. It's just too difficult to predict the company that will give you the biggest savings.

More detailed Nebraska car insurance information can be found at the Nebraska Department of Insurance website. Consumers can find out industry alerts, view a list of available companies, view agent and company licensing information, and file complaints about a company.

Other informative sites include NAIC.org's Understanding your Policy and this directory of Pierce insurance agents.

In the end, you save

You just learned some good ideas how to compare car insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. You may even discover the lowest priced car insurance comes from some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower rates compared to the large companies like .

When trying to cut insurance costs, don't be tempted to reduce coverage to reduce premium. There have been many cases where an insured dropped uninsured motorist or liability limits only to regret that it was a big mistake. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.