How to Know You're Throwing Money Away for Auto Insurance in Sargent

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other Nebraska consumers.

You have so many to pick from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates.

It's important to shop coverage around before your policy renews since insurance rates are constantly changing. Just because you had the best deal six months ago you may be paying too much now. Starting now, forget all the misinformation about auto insurance because it's time to teach you the only way to find better rates and still maintain coverage.

Finding affordable coverage in Sargent is quite easy. If you currently have car insurance, you will most likely be able to save some money using this information. Nevertheless, Nebraska vehicle owners do need to know the way insurance companies sell insurance online and take advantage of how the system works.

Cheap Sargent Auto Insurance Comparisons

There are several ways you can shop for auto insurance but some are less time-consuming than others. You could spend your day driving to insurance agencies in Sargent, or you can stay home and use the internet to get prices fast.

All the larger companies are enrolled in a marketplace that allows shoppers to complete one form, and every company then returns a price quote for coverage. This saves time by eliminating repetitive form submissions for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The only drawback to using this type of form is you are unable to specify which companies you want to price. So if you prefer to pick individual companies to compare rates, we have a listing of the cheapest auto insurance companies in Nebraska. Click here for list of insurance companies in Nebraska.

It's your choice how you get your quotes, but ensure you're using identical coverages and limits for every company. If you use different deductibles it will be very difficult to decipher which rate is best in Sargent. Quoting even small variations in coverage limits may result in large price differences. And when price shopping your coverage, comparing more company's prices helps you find a lower rate.

Tips to Get Lower Sargent Rates

It's important that you understand the different types of things that go into determining auto insurance rates. Knowing what determines base rates empowers consumers to make smart changes that may reward you with better auto insurance rates.

Listed below are some of the factors used by your company to calculate rates.

Lower miles equals lower premium - The more miles you rack up on your car every year the more you will pay for auto insurance. Almost all companies price each vehicle's coverage determined by how the vehicle is used. Cars and trucks that are left in the garage can get a lower rate compared to those used for work or business. Verify your auto insurance policy shows how each vehicle is driven, because it can save money.
You might want pay the small claims yourself - Car insurance companies in Nebraska award lower rates to policyholders who do not file claims often. If you file claims often, you can look forward to either higher rates or even cancellation. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
A clean driving record saves money - Your driving citation history has a lot to do with how much you pay for insurance. Just one speeding ticket can bump up the cost by twenty percent. Drivers who don't get tickets tend to pay less for car insurance than bad drivers. Drivers who have serious citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as doctors, business owners and financial analysts have higher average rates in part from job stress and long work hours. Conversely, occupations like farmers, engineers and homemakers get better rates.
Higher safety ratings means cheaper insurance - Safer cars can get you lower premiums. These vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims and thus lower rates.
High credit ratings translate to low rates - Credit score is a huge factor in your rate calculation. If your credit is lower than you'd like, you could be paying less to insure your by spending a little time repairing your credit. People with high credit ratings tend to be more responsible than drivers with poor credit.
Protect yourself with liability coverage - Liability insurance will protect you if ever a jury decides you are liable for personal injury or accident damage. It provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
Do you qualify for a multi-policy discount? - Most insurers will give a discount to people who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it's in your best interest to shop around to verify if the discount is saving money. You may still be able to find better rates by buying auto insurance from a different company.

How much can you save with discounts?

Car insurance companies do not advertise all their discounts very clearly, so here is a list some of the best known and the harder-to-find savings tricks you should be using.

New Vehicle Savings - Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
Employee of Federal Government - Simply working for the federal government can earn a discount up to 10% with select insurance companies.
Good Students Pay Less - Getting good grades can save 20 to 25%. The discount lasts until age 25.
Claim Free - Claim-free drivers can earn big discounts as compared to frequent claim filers.
Drive Less and Save - Driving fewer miles can qualify you for discounted rates on garaged vehicles.
Lower Rates for Military - Being on active duty in the military could mean lower rates.
Passive Restraints and Air Bags - Factory air bags may earn rate discounts of up to 25% or more.

It's important to understand that most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, it doesn't quite work that way.

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

More tips and info about auto insurance is available at the Nebraska Department of Insurance website. Nebraska drivers can file complaints about an insurance agent or broker, download brochures, file complaints about a company, and read industry bulletins.

Other useful links include Auto Insurance 101 and this page where you can research Sargent insurance agents.

Do the work, save more money

As you restructure your insurance plan, make sure you don't reduce needed coverages to save money. In many instances, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage for the lowest price.

Throughout this article, we presented many tips how you can lower your auto insurance rates. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with a smaller regional carrier. Smaller companies can often provide lower rates in certain areas compared to the large companies like .