5 Discounts La Vista Drivers Neglect when Comparing Auto Insurance on the Internet

Confused by the dozens of auto insurance choices in La Vista? You’re not the only one! You have so many options that it can be a big hassle to find the best price.

You should take the time to check auto insurance prices once or twice a year since insurance rates change regularly. Just because you found the lowest price six months ago you will most likely find a better rate today. Starting now, forget all the misinformation about auto insurance because you’re going to get a crash course in the best way to remove unneeded coverages and save money.

Fast and Easy La Vista Auto Insurance Quotes

All the larger auto insurance companies such as Progressive, Allstate and GEICO give insurance quotes on the web. Obtaining pricing is pretty easy as you simply type in as detailed in the form. When the form is submitted, their rating system requests information on your driving record and credit history and generates pricing information determined by many factors.

Being able to quote online makes comparing rates easy, but the work required to visit a lot of sites and enter the same data into a form can get tiresome after awhile. But it’s very important to do this in order to find the best price possible.

Compare rates the easy way

A quicker way to lower your rates uses one simple form that gets price quotes from a lot of companies. The form is fast, requires less work, and makes online price comparison much easier. Once the form is submitted, it is rated with multiple companies and you can pick your choice of the quotes that you receive.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. It takes less than 15 minutes and you will know how your current rates stack up.

To save time and find out if lower rates are available, click here to open in a new tab and submit your coverage information. If you have your current policy handy, we recommend you enter identical to your current policy. This guarantees you will have a rate comparison for exact coverage.

Pay less by taking advantage of these 5 discounts

The price of auto insurance can be rather high, but you may find discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of purchase, but some must be asked about in order for you to get them.

Auto/Life Discount – Larger companies have a break if you buy life insurance.
Sign Early and Save – A few companies offer discounts for switching policies before your current policy expires. It can save you around 10%.
Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
Drivers Ed for Students – Require your teen driver to enroll in driver’s education in high school.
Memberships – Participating in a civic or occupational organization may earn a discount when buying auto insurance.

It’s important to note that most credits do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like you could get a free auto insurance policy, you’re out of luck. Any qualifying discounts will help reduce your premiums.

To choose insurance companies offering auto insurance discounts in Nebraska, click this link.

Everyone needs different coverages

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique.

For example, these questions might help in determining if your insurance needs will benefit from professional help.

Does liability extend to a camper or trailer?
Will my vehicle be repaired with OEM or aftermarket parts?
Do I have any recourse if my insurance company denies a claim?
Does my personal auto insurance policy cover using my vehicle for business use?
Do I benefit by insuring my home with the same company?
Am I covered when driving a rental car?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Auto insurance coverage breakdown

Understanding the coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as theft, rock chips in glass, fire damage and falling objects. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

This pays for damage to your vehicle resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with a tree, hitting a mailbox, driving through your garage door, scraping a guard rail and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your vehicle.

Since a lot of drivers only carry the minimum required liability limits (25/50/25 in Nebraska), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for bills like pain medications, chiropractic care and surgery. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability coverage can cover injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair costs for stationary objects, medical expenses and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Nebraska requires drivers to carry at least 25,000/50,000/25,000 but you should think about purchasing more liability than the minimum.

More information can be found on the Nebraska Department of Insurance website through this link. Nebraska consumers can get help finding coverage, file complaints about an insurance agent or broker, report car insurance fraud, and read industry bulletins.