Top 5 Ways to Save on Car Insurance in Shelby, NE

Cutting costs on Shelby car insurance is difficult for beginners to buying insurance online. Drivers have so many options available that it can be a big hassle to find lower rates in Shelby.

It's important to check car insurance prices before your policy renews since rates are constantly changing. Even if you think you had the lowest rates last year the chances are good that you can find a lower rate today. Starting right now, forget all the misinformation about car insurance because we're going to show you the tricks you need to know to save money, get proper coverage and the best rates.

How much can you save with these 5 discounts?

Companies don't necessarily list all their discounts very clearly, so we break down both the well known and also the lesser-known car insurance savings.

  • Senior Citizens - Mature drivers may receive reduced rates.
  • Accident Free - Claim-free drivers can save substantially as compared to bad drivers.
  • Drive Less and Save - Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • One Accident Forgiven - Certain companies allow you one accident before raising your premiums as long as you don't have any claims prior to the accident.
  • Bundle and Save - When you combine your home and auto insurance with one company you will save up to 20% off your total premium.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, car insurance companies aren't that generous.

To see a list of companies with discount car insurance rates in Nebraska, follow this link.

Shelby car insurance comparison

Cheap Shelby Car Insurance Comparisons

There are several ways you can shop for car insurance but there is one way that is less time-consuming than others. You can waste a lot of time talking to agents in Shelby, or you could use the web to achieve your goal.

Many insurance companies participate in an industry program that allows shoppers to complete one form, and every company then gives them pricing for coverage. This eliminates the need for form submissions for each company you want a rate for.

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

The only drawback to using this type of form is that you can't choose which carriers to receive prices from. So if you prefer to pick specific providers for rate comparison, we put together a list of companies who write car insurance in Nebraska. Click here to view list.

Whichever way you use, ensure you're using identical coverage limits for every company. If you use differing limits you can't possibly decipher which rate is best in Shelby. Just a small difference in coverages can make a big difference in price. And when price shopping your coverage, quoting more helps locate better pricing.

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

Car insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all seem to say the same thing about savings if you change to them. How does each company claim to save you money? It's all in the numbers.

All companies can use profiling for the type of driver that is profitable for them. For example, a desirable insured might be over the age of 40, is a homeowner, and has great credit. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Potential insureds who don't meet these standards will have to pay more money which usually ends up with the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save money. That's why companies can truthfully advertise the savings. Because of the profiling, drivers must get a wide range of price quotes. It's just too difficult to predict the company that will give you the biggest savings.

Do the work, save more money

As you prepare to switch companies, never reduce coverage to reduce premium. There are many occasions where an accident victim reduced uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your aim should be to buy enough coverage at the best price.

Consumers leave their current company for a variety of reasons including denial of a claim, high rates after DUI convictions, delays in responding to claim requests or an unsatisfactory settlement offer. It doesn't matter what your reason, finding a new car insurance company is actually quite simple.

Cheap car insurance is attainable both online and with local Shelby insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Even more information can be found at the Nebraska Department of Insurance website. Visitors are able to learn about insurance regulations, read industry bulletins, and discover disciplinary actions.