Proven Techniques to Save on Wayne Auto Insurance

Scraping up a payment for overpriced auto insurance can empty your savings account and make it hard to pay other bills. Doing a price comparison is a smart way to help make ends meet.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive promote their brand names with fancy advertisements and it is difficult to sift through the bull and do the work needed to find the best deal.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using this information. Finding affordable coverage in Wayne is easy if you know what you're doing. But Nebraska drivers do need to know how companies price online insurance and take advantage of how the system works.

Be sure to get all your discounts

Companies that sell car insurance don't always list every discount in a way that's easy to find, so here is a list both well-publicized as well as the least known auto insurance savings.

Government Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few auto insurance companies.
Multiple Policy Discount - When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.
Theft Prevention Discount - Anti-theft and alarm systems help deter theft and will save you 10% or more.
Drivers Ed for Students - Have your child successfully complete driver's ed class in school.
Defensive Driver - Successfully completing a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
Accident Free - Drivers who don't have accidents can earn big discounts when compared to bad drivers.
Paperwork-free - A few companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
Save over 55 - Mature drivers may qualify for reduced rates.
Payment Discounts - If you pay your bill all at once instead of paying each month you can actually save on your bill.

Consumers should know that most credits do not apply to your bottom line cost. Some only apply to individual premiums such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, companies don't profit that way.

To see a list of insurance companies offering auto insurance discounts in Wayne, follow this link.

How to Get Cheap Auto Insurance in Wayne, NE

There are several ways to compare auto insurance quotes, and some are easier and takes less work. You can waste a lot of time driving to insurance companies in Wayne, or you could save time and use the internet to get rates in a matter of minutes.

Many insurance companies take part in a program that allows shoppers to enter their policy data once, and each company returns a competitive quote based on the submitted data. This eliminates the need for repetitive form submissions to each individual auto insurance company. To submit your quote information now, click to open in new window.

The only downside to comparing rates this way is you cannot specify which carriers to get quotes from. If you wish to select from a list of companies to compare rates, we have a page of auto insurance companies in Nebraska. Click here for list of insurance companies in Nebraska.

It doesn't matter which method you choose, just make sure you use exactly the same coverage limits and deductibles on every quote you get. If each company quotes different liability limits it's not possible to determine which rate is truly the best in Wayne. Just a small difference in insurance coverages can mean a large discrepancy in price. And when comparing auto insurance rates, know that more quotes will increase your chances of finding the best rates.

Why some people pay less for insurance in Wayne

An important part of buying insurance is that you know some of the elements that go into determining the price you pay for auto insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Listed below are some of the factors companies use to determine prices.

Keep rates low by being claim-free - Companies in Nebraska provide cheaper rates to people who file claims infrequently. If you file claims often, you can look forward to either higher rates or even cancellation. Your insurance policy is designed for the bigger claims that can't be paid out-of-pocket.
Your location is important - Residing in small towns and rural areas can save you money when insuring your vehicles. Less people living in that area means fewer accidents and also fewer theft and vandalism claims. City drivers regularly have traffic congestion and much longer commute distances. Higher commute times means higher likelihood of an accident.
How many coverages with the same company - Most companies provide better rates to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to compare rates to make sure you are getting the best deal.
Special features that cut premiums - Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft features such as GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
Add-on coverages can add up - There are many add-on coverages that can waste your money on your auto insurance policy. Insurance for vanishing deductibles, accident forgiveness and motor club memberships are examples of these. They may seem like a good idea when you first buy your policy, but if you don't need them eliminate the coverages to reduce your premium.

How do I know if I need professional advice?

When choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. For example, these questions can help discover whether or not you would benefit from an agent's advice.

Do I have coverage for damage caused while driving under the influence?
What is the difference between comprehensive and collision coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is rental equipment covered for theft or damage?
Do I really need UM/UIM coverage?
Am I covered when driving in Canada or Mexico?
Will I be non-renewed for getting a DUI or other conviction?

If you don't know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Is there truth in advertising?

Auto insurance providers like Progressive, Allstate and GEICO constantly bombard you with television and radio advertisements. They all say the same thing that you'll save big if you switch to them. How can each company make almost identical claims?

Insurance companies have a preferred profile for the type of driver that is profitable for them. An example of a driver they prefer could possibly be between 25 and 40, has no prior claims, and has excellent credit. A driver who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who don't measure up to the requirements will be quoted a higher premium which usually ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" but not "drivers who get quotes" save money. This is how companies can make those claims. This emphasizes why drivers must get quotes from several different companies. It is impossible to predict which insurance companies will have the lowest rates.

Shop smart and save

While you're price shopping online, it's not a good idea to reduce coverage to reduce premium. There are too many instances where consumers will sacrifice liability limits or collision coverage only to find out they didn't purchase enough coverage. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.

Discount auto insurance can be found online and with local Wayne insurance agents, so you should compare both to have the best rate selection. Some companies do not offer the ability to get a quote online and these smaller companies work with independent agents.

Learn more about auto insurance in Nebraska

More detailed Nebraska auto insurance information is available at the Nebraska Department of Insurance website. Nebraska consumers can download brochures, view agent and company licensing information, read consumer alerts, and view a list of available companies.