Free Guide to Saving Money on Wood River Auto Insurance Online

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, there are many people just like you.

Having so many companies to choose from, it's nearly impossible to pick the cheapest insurance company.

It's important to compare prices at least once a year since insurance rates are constantly changing. Just because you found the lowest price last year you can probably find a lower rate today. Block out anything you think you know about auto insurance because you're about to learn how to use online quotes to lower your rates without sacrificing coverage.

Wood River auto insurance quote

Compare the Market for Auto Insurance in Wood River

There are several ways of comparing rate quotes from auto insurance companies in your area. The best method to compare insurance prices is to get quotes online. This can be done in several different ways.

  • The recommended way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This form prevents you from having to do separate forms for each company. Completing one form gets you price quotes from several companies.
  • A less efficient way to compare rate quotes requires visiting the website for each individual company to complete their respective quote request forms. For example, let's say you want to compare rates from , and . You would have to visit each site and enter your policy data, which is why the first method is more popular. To view a list of companies in Wood River, click here.

It doesn't matter which method you choose, just compare apples-to-apples quote information on every quote you get. If you have mixed coverages it's not possible to determine which rate is truly the best in Wood River. Having just a slight variation in limits can result in a big premium difference. Just keep in mind that comparing a large number of companies provides better odds of finding the best offered rates.

Take advantage of discounts

Car insurance is not cheap, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied when you quote, but less common discounts must be asked for before you get the savings.

  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Low Mileage - Fewer annual miles could be rewarded with better rates on cars that stay parked.
  • No Charge for an Accident - Some insurance companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
  • Payment Method - If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Homeowners Discount - Being a homeowner may earn you a small savings due to the fact that maintaining a home shows financial diligence.

Keep in mind that many deductions do not apply the the whole policy. Some only reduce individual premiums such as comprehensive or collision. So even though they make it sound like you could get a free auto insurance policy, it just doesn't work that way. But any discount will help reduce your overall premium however.

To see a list of providers who offer auto insurance discounts in Nebraska, click this link.

More information is located on the website for the Nebraska Department of Insurance located here. Nebraska drivers can read consumer alerts, discover disciplinary actions, learn about insurance regulations, and view a list of available companies.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this Wood River agent directory.