7 Discounts Scottsbluff Drivers Forget when Buying Car Insurance

Nobody enjoys paying for car insurance, particularly when the price is too high.

Because you have many online and local companies to choose from, it's difficult to pick the lowest price provider.

It's important to do rate comparisons occasionally since rates are constantly changing. If you had the best deal six months ago the chances are good that you can find a lower rate today. So just forget anything you know (or think you know) about car insurance because we're going to show you the proper way to remove unneeded coverages and save money.

Don't pay full price with these seven discounts

Car insurance companies don't always list every available discount very well, so here is a list both the well known and also the lesser-known ways to save on car insurance.

Braking Control Discount - Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
Theft Prevention System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
Military Rewards - Having a family member in the military can result in better rates.
Good Student - A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up to age 25.
Multi-policy Discount - When you combine your home and auto insurance with the same insurance company you may earn approximately 10% to 15%.
More Vehicles More Savings - Having multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.
Accident Forgiveness - Some insurance companies allow you one accident before raising your premiums if you are claim-free for a particular time prior to the accident.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most cut specific coverage prices like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, you won't be that lucky.

To see a list of providers with the best car insurance discounts in Nebraska, click this link.

Finding Car Insurance in Scottsbluff, NE

Shopping for lower car insurance rates can take time and effort if you aren't aware of the most efficient way to do it. You can waste a lot of time driving to insurance agencies in Scottsbluff, or you could use the internet for quick rates.

Many insurance companies take part in a program that enables customers to enter their coverage request one time, and at least one company can give them a price. This system prevents you from having to do repetitive form submissions to each individual car insurance company.

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

The only downside to getting quotes like this is you are unable to specify which carriers you want to price. If you would rather choose specific insurance companies to compare, we put together a list of companies who write car insurance in Nebraska. View list of Nebraska insurance companies.

It's up to you how you get prices quotes, just make absolute certain that you use apples-to-apples deductibles and coverage limits for each comparison quote. If you compare different values for each quote then you won't be able to determine the lowest rate in Scottsbluff. Having just a slight variation in coverages can mean a large discrepancy in price. And when quoting car insurance, remember that more quotes gives you a better chance of getting better pricing.

Your personal situation dictates your coverage

When choosing proper insurance coverage for your vehicles, there really is no "best" method to buy coverage. Every situation is different so this has to be addressed. Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have coverage when using my vehicle for my home business?
Should I buy only the required Nebraska minimum liability coverage?
What is the difference between comprehensive and collision coverage?
Do I need special endorsements for business use of my vehicle?
Am I covered if I wreck a rental car?

If it's difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you don't have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

The car insurance bait and switch

Companies like Allstate and Progressive regularly use ads in print and on television. All the ads make the same claim about savings if you move to them. But how can every company claim to save you money? It's all in the numbers.

All the different companies have a certain "appetite" for the type of driver that is profitable for them. An example of a preferred risk might be a mature driver, owns a home, and has a high credit rating. Any new insured who matches those parameters gets the lowest rates and therefore will save a lot of money.

Consumers who don't measure up to this ideal profile will be charged higher prices which leads to the customer not buying. The ads say "customers who switch" not "everyone that quotes" save money. That is how companies can truthfully state the savings. That is why drivers must compare as many rates as you can. It's just too difficult to predict which company will have the lowest rates.

The best insurance company isn't always the cheapest

As you restructure your insurance plan, don't be tempted to reduce coverage to reduce premium. Too many times, an insured cut liability limits or collision coverage only to find out that they should have had better coverage. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.

Cheaper car insurance is possible both online and with local Scottsbluff insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

For more Nebraska car insurance information

Even more information is available at the Nebraska Department of Insurance website. Visitors are able to find out industry alerts, read consumer alerts, find disaster information, and file complaints about a company.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Scottsbluff insurance agents.