Quote Stanton Auto Insurance Prices With These Methods

Finding better rates for Stanton auto insurance is nearly impossible for consumers not familiar with buying insurance online. Drivers have so many choices that it can be a lot of work to compare prices in Stanton.

You have some control over your rates

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for auto insurance. Knowing what impacts premium levels enables informed choices that will entitle you to much lower annual insurance costs.

  • Keep rates low by being claim-free - Companies in Nebraska generally give lower rates to insureds who are claim-free. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Your insurance policy is designed for major claims that would cause financial hardship.
  • Equipment add-ons that lower auto insurance rates - Driving a car that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Policy add-ons can waste money - There are quite a few extra bells and whistles that can waste your money on your auto insurance policy. Coverages for personal injury protection, accident forgiveness and term life insurance are some examples. These may sound like a good investment at first, but if they're wasting money eliminate them to save money.
  • Teen drivers pay high rates - Teen drivers in Nebraska have a tendency to be careless and easily distracted in a vehicle so they pay higher auto insurance rates. Mature drivers are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel.
  • Low deductibles can be expensive - The deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be running into the backend of another car, damage from fire, and burglary. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance.
  • The more you drive the more you pay - The higher the mileage driven every year the higher your rate. Most insurance companies apply a rate based upon how you use the vehicle. Cars used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance declarations sheet shows the correct usage for each vehicle.
  • Liability coverage protects you - Your policy's liability coverage will protect you when a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.

compare Stanton auto insurance rates

How to Compare Auto Insurance Costs in Stanton

All major auto insurance companies like State Farm, Allstate and GEICO provide prices on their websites. This process is quite easy as you simply type in the amount of coverage you want into the quote form. After the form is submitted, the company's rating system will obtain your driving and credit reports and returns a price quote based on these and other factors.

Being able to quote online simplifies rate comparisons, but the time required to go to many different websites and complete many quote forms can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible if you want to find a lower rate.

Quote rates the easy way

The preferred way to find cheaper rates uses one form that gets prices from several different companies. It's a real time-saver, eliminates repetitive work, and makes online quotes much more enjoyable. After sending your information, it gets priced with multiple companies and you can pick any one of the resulting price quotes. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The whole process takes 15 minutes at the most and you'll know if lower rates are available.

To find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend you input your coverages identical to your current policy. This makes sure you will have rate quotes for the exact same coverage.

More discounts equal less premium

Companies don't always advertise every discount very clearly, so we took the time to find both well-publicized and the more hidden discounts you could be receiving.

  • Drivers Education - Cut your cost by having your teen driver successfully complete driver's ed class if offered at their school.
  • Safety Course Discount - Successfully completing a course in driver safety could save 5% or more if your company offers it.
  • Multiple Cars - Having all your vehicles with the same company could earn a price break for each car.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase life insurance.
  • Save over 55 - If you're over the age of 55, you may receive better auto insurance rates.
  • Multiple Policy Discount - If you insure your home and vehicles with the same insurance company you will save at least 10% off all policies.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, auto insurance companies aren't that generous.

To choose insurance companies with discount auto insurance rates in Nebraska, click here.

Switch companies and save? Really?

Auto insurance providers like State Farm, Allstate and GEICO consistently run ads in print and on television. They all have a common claim about savings if you change to their company. How does each company make almost identical claims?

Insurance companies can use profiling for the driver that makes them money. For example, a driver they prefer could possibly be a mature driver, has no tickets, and has great credit. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and therefore will save when switching.

Potential customers who do not match these standards will be quoted a more expensive rate and this can result in the driver buying from a lower-cost company. Company advertisements say "people who switch" not "everyone that quotes" save that much. That's why companies can truthfully advertise the savings. This emphasizes why you need to compare many company's rates. It's impossible to know the company that will give you the biggest savings.

Even more information can be found at the Nebraska Department of Insurance website. Nebraska consumers can download brochures, view a list of available companies, and discover disciplinary actions.

compare Stanton auto insurance rates

The best insurance company isn't always the cheapest

Drivers leave their current company for many reasons like extreme rates for teen drivers, delays in responding to claim requests, lack of trust in their agent or even delays in paying claims. It doesn't matter why you want to switch finding the right auto insurance provider is easier than you think.

Cheap auto insurance is attainable online and also from your neighborhood Stanton agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide online price quotes and these regional insurance providers work with independent agents.

As you prepare to switch companies, it's very important that you do not reduce coverage to reduce premium. There have been many situations where an insured dropped physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.