Top Ways to Save on Wilcox Auto Insurance

Nobody enjoys paying for auto insurance, especially knowing they are paying too much. Having so many auto insurance companies to choose from, it's difficult to locate the lowest price insurer.

It's important to price shop coverage occasionally since insurance rates are constantly changing. Even if you think you had the lowest price two years ago you will most likely find a better rate today. There is a lot of wrong information about auto insurance on the web, but I'm going to show you some great ways to put money back in your pocket.

Be sure to get all your discounts

Companies that sell car insurance do not advertise all their discounts very well, so we researched some of the best known and also the lesser-known discounts you could be receiving. If you don't get every credit you qualify for, you are throwing money away.

  • College Student - Youth drivers who are attending college and don't have a car can receive lower rates.
  • Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Safety Course Discount - Taking a course teaching defensive driving skills can save you 5% or more if you qualify.
  • Passive Restraints - Factory air bags or motorized seat belts can receive discounts up to 30%.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.

Keep in mind that some credits don't apply to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, it just doesn't work that way.

Wilcox auto insurance comparison

How do I know if I need professional advice?

When it comes to buying the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different and your policy should reflect that. For example, these questions might point out whether or not you would benefit from professional advice.

  • What are Nebraska no-fault laws?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I have combined single limit or split liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my cargo covered for damage or theft?
  • Are my tools covered if they get stolen from my vehicle?
  • What are the financial responsibility laws in Nebraska?

If you can't answer these questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and you can get the answers you need.

Is there truth in advertising?

Nebraska drivers get pounded daily by advertisements for cheaper car insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim that you can save if you change your policy.

But how can every company say the same thing? It's all in the numbers.

Different companies have a certain "appetite" for the right customer that earns them a profit. For instance, a desirable insured might be profiled as a mature driver, owns a home, and chooses high deductibles. A propective insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile will have to pay higher prices and this can result in business not being written. Company advertisements say "customers who switch" but not "drivers who get quotes" save that kind of money. That is how insurance companies can state the savings. Because of the profiling, you should get quotes from several different companies. It's not possible to predict which company will give you the biggest savings.

Additional detailed information is located at the Nebraska Department of Insurance website. Nebraska drivers can read enforcement actions against agents and companies, read consumer alerts, discover disciplinary actions, and find out industry alerts.

Also read more on Auto Insurance 101 and this page of insurance agents in Wilcox.

Wilcox auto insurance quote

And the best car insurance company is...

When buying insurance coverage, don't be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at the best price.

Affordable auto insurance is attainable on the web in addition to many Wilcox insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.