Valley Auto Insurance For Less Than You're Paying Now

Saving money on Valley auto insurance is nearly impossible for beginners to shopping for insurance online. You have so many options that it can quickly become a real hassle to find lower rates in Valley.

It's important to do rate comparisons once or twice a year because insurance rates are constantly changing. Even if you got the best price a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because I'm going to let you in on the secrets to the only way to eliminate unnecessary coverages and save money.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using these methods. This information will instruct you on how to effectively get price quotes. Nevertheless, Nebraska drivers do need to know the way companies price online insurance and apply this information to your search.

How to Compare Auto Insurance Costs in Valley

There are several ways of comparing rate quotes and find the best price. The best method to find competitive insurance rates consists of obtaining rate quotes online. This can be done in a couple of different ways.

  • The recommended way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This form keeps you from doing a different quote for each company you want a rate for. Taking the time to complete one form compares rates . This is perfect if you don't have a lot of time.
  • A less efficient way to get quotes online is going to each individual company website and fill out their own quote form. For sake of this example, let's say you want rates from , and . To get each rate you have to spend time on each company's site and enter your information, which is why the first method is quicker.

    To view a list of companies in Valley, click here.
  • The hardest way to compare rates is to waste gas driving to local insurance agencies. The internet has reduced the need for local agents unless you want the professional guidance that only a license agent can provide. Drivers can get the lowest quotes online and still use a local agent.

It doesn't matter which method you choose, just double check that you are using the exact same coverage limits and deductibles for each comparison quote. If you enter different liability limits then you won't be able to determine the lowest rate in Valley. Having just a slight variation in coverage limits can mean a large discrepancy in price. It's important to know that more quotes will enable you to find the best rates.

Save big with these discounts

Car insurance companies do not advertise all their discounts in an easy-to-find place, so we took the time to find both well-publicized and also the lesser-known ways to save on auto insurance.

  • Homeowners Pay Less - Owning a house in Valley may earn you a small savings because owning a home is proof that your finances are in order.
  • Military Rewards - Having a family member in the military could mean lower rates.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Memberships - Participating in certain professional organizations could trigger savings on auto insurance.
  • Defensive Driver - Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • One Accident Forgiven - A few companies allow you one accident before raising your premiums as long as you don't have any claims for a set time period.
  • Bundle and Save - When you combine your home and auto insurance with the same company you will save at least 10% off all policies.

It's important to understand that many deductions do not apply to the entire cost. Most only cut specific coverage prices like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, it doesn't quite work that way.

To see a list of companies offering auto insurance discounts in Valley, click this link.

More Nebraska auto insurance information

More tips and info about auto insurance can be found at the Nebraska Department of Insurance website. Nebraska consumers can get help finding coverage, view a list of available companies, and read consumer alerts.