Cheaper Lincoln, NE Car Insurance Rates in Five Minutes

Expensive car insurance can dwindle your personal savings and put the squeeze on your family’s finances. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill.

Insurance companies such as State Farm, GEICO and Farmers Insurance all claim big savings with ad campaigns and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.

How to Compare Car Insurance Quotes in Lincoln, Nebraska

There are several ways to compare rate quotes from car insurance companies in your area. The best method to compare insurance prices is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

• The most efficient way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This form eliminates the need for separate forms to each individual car insurance company. One form submission gets you coverage quotes from several companies.
• Another way to compare rate quotes is going to each company’s website and complete a new quote form. For instance, let’s assume you want to compare Progressive, 21st Century and State Farm. You would have to go to every website to enter your coverage information, which is why the first method is more popular.

  For a list of links to insurance companies in Lincoln, click here.

• The hardest way to compare rates is driving to different Lincoln agent offices. Buying insurance online eliminates the need for an insurance agent unless you require the trained guidance only provided by licensed Lincoln agents. Drivers can compare online quotes and get advice from an agent in your area and we’ll cover that in a bit.

It doesn’t matter which method you choose, just make absolute certain that you use exactly the same quote information on every quote. If you enter different liability limits it’s impossible to make a fair comparison in Lincoln. Just a small difference in limits may result in a large different in cost. And when quoting car insurance, remember that getting more free quotes provides better odds of finding the best rates.

You probably qualify for some discounts

Companies offering auto insurance don’t list all their discounts in a way that’s easy to find, so we took the time to find both well-publicized as well as the least known discounts you could be receiving.

• Payment Method – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
• Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
• Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
• Homeowners Discount – Being a homeowner may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
• Life Insurance Discount – Some companies give better rates if you take out a life insurance policy as well.
• No Charge for an Accident – A few companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
• Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates than drivers with accident claims.
• Save with a New Car – Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.

Consumers should know that most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.

To choose providers with the best car insurance discounts in Nebraska, follow this link.

Is my situation unique?

When it comes to buying the best car insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions might point out if your insurance needs will benefit from professional help.

• Does my insurance cover my expensive audio equipment?
• How high should my medical payments coverage be?
• Are my friends covered when driving my vehicle?
• Is a new car covered when I drive it off the dealer lot?
• When does my teenage driver need to be added to my policy?
• Is my business laptop covered if it gets stolen from my vehicle?
• Is there coverage for injuries to my pets?
• How can I get high-risk coverage after a DUI?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

For more Nebraska car insurance information

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, and learn about specific coverages.