7 Methods to Save on Car Insurance in Thedford Nebraska

Expensive car insurance can empty your checking account and put a big crunch on your finances. Comparison shopping is free and is an excellent way to make sure you're not throwing money away.

Drivers have so many to pick from, and even though it's nice to have multiple companies, too many choices makes it more difficult to compare rates.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, but discounts can save money and there are some available to cut the cost considerably. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be inquired about prior to getting the savings.

Multiple Vehicles - Buying insurance for multiple vehicles on one policy could earn a price break for each car.
Student in College - Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.
Auto/Life Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Clubs and Organizations - Being a member of a qualifying organization could trigger savings when buying car insurance.
Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
Own a Home - Owning a home in Thedford may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
Claim Free - Drivers who don't have accidents pay less when compared with drivers who are more careless.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, car insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

Insurance agents can help

When it comes to buying coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different so this has to be addressed. For example, these questions may help you determine whether your personal situation would benefit from professional advice.

Can I afford to buy a different vehicle if my vehicle is totaled?
Why does it cost so much to insure a teen driver in Thedford?
Do I pay less if my vehicle is kept in my garage?
When does my teenage driver need to be added to my policy?
What happens if I owe more than my vehicle is worth?
Am I getting all the discounts available?
What can I do if my company won't pay a claim?
Does my policy cover my teen driver if they drive my company car?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Save $429 a year? Really?

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies make the same claim about savings after switching your coverage to them. How does each company claim to save you money?

All the different companies have a preferred profile for the type of customer that earns them a profit. A good example of a profitable customer might be a mature driver, insures multiple vehicles, and has great credit. Any new insured who matches those parameters is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards must pay a higher premium which leads to the customer not buying. Company advertisements say "people who switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully advertise the savings.

This illustrates why drivers should get as many quotes as possible. It's just too difficult to predict which insurance companies will fit your personal profile best.

More sites with car insurance information

Additional information can be read on the website for the Nebraska Department of Insurance through this link. Visitors are able to report car insurance fraud, read enforcement actions against agents and companies, view agent and company licensing information, and find out which companies have the most complaints.

Also read more on this link for Nebraska car insurance quotes and this page for help finding agents in Thedford, NE.

Affordable insurance is out there

Cheap car insurance can be bought both online as well as from independent agents in Thedford, and you need to price shop both to have the best rate selection. There are still a few companies who don't offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, make sure you don't skimp on coverage in order to save money. In too many instances, drivers have reduced full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.