Discover the Secrets to Cheaper Fremont Nebraska Auto Insurance

Feel like you’re a prisoner to high-priced auto insurance? Trust us when we tell you there are many people just like you. Insurance companies such as State Farm, Progressive and GEICO constantly blast consumers with TV and radio ads and it can be hard to sift through the bull and do the work needed to find the best deal.

Verify you’re getting all your discounts

Insurance can cost an arm and a leg, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically at quote time, but a few must be requested specifically in order for you to get them. If you’re not getting every credit you deserve, you’re just leaving money on the table.

• Federal Employees – Active or retired federal employment may qualify you for a discount depending on your company.
• New Car Discount – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
• Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
• No Claims – Claim-free drivers pay much less when compared with frequent claim filers.
• Accident Forgiveness – Some insurance companies permit an accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
• Memberships – Belonging to a qualifying organization may earn a discount on your policy.
• Lower Rates for Military – Being on active duty in the military could mean lower rates.
• College Student – Youth drivers who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
• 55 and Retired – Older drivers can possibly qualify for reduced rates.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.

Consumers should know that some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck. But any discount will bring down your premiums.

For a list of insurance companies with discount auto insurance rates in Nebraska, follow this link.

Make smart decisions and save

An important part of buying insurance is that you know the rating factors that come into play when calculating auto insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

• Your car’s features help determine rates – Purchasing a vehicle with an alarm system can help bring down rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
• Mature drivers pay less – Mature drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets. Youthful drivers have a tendency to be more careless in a vehicle and because of this, their auto insurance rates are much higher.
• Where you live is a factor – Living in small towns and rural areas can save you money when talking about auto insurance. Fewer drivers means fewer accidents as well as less vandalism and auto theft. Urban drivers have traffic congestion and much longer commute distances. More time commuting means more change of being in an accident.
• Do you have a high stress job? – Occupations such as real estate brokers, architects and stock brokers tend to pay the highest rates in part from job stress and lots of time spent at work. On the other hand, occupations such as farmers, students and retirees have the lowest average rates.
• Extra add-on coverages are wasting money – There are a ton of add-on coverages that you can buy when buying auto insurance. Things like roadside assistance, towing coverage and membership fees may be costing you every month. They may seem like a good idea when talking to your agent, but your needs may have changed so remove them from your policy.
• Bad driving skills means higher rates – A bad driving record has a lot to do with how much you pay for insurance. Good drivers have lower premiums than their less careful counterparts. Just one citation can increase rates forty percent or more. If you have dangerous violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.

Ads can be misleading

Nebraska drivers can’t get away from ads that promise big savings by companies like State Farm and Allstate. They all seem to have a common claim of big savings if you change to them.

But how can every company say the same thing?

All companies have a preferred profile for the type of driver they prefer to insure. For instance, a driver they prefer could be between the ages of 30 and 50, has no driving citations, and chooses high deductibles. Any new insured who meets those qualifications receives the best rates and is almost guaranteed to save when they switch companies.

Consumers who do not match the requirements must pay a higher premium which leads to business not being written. The ad wording is “people who switch” not “everyone that quotes” save money. That is how insurance companies can state the savings.

This illustrates why you need to quote coverage with many companies. You cannot predict which company will fit your personal profile best.

More consumer information in Nebraska

Much more information about auto insurance in Nebraska is located on the website for the Nebraska Department of Insurance. Click here for link. Nebraska drivers can file complaints about an insurance agent or broker, read state legal mandates and laws, and find a variety of consumer forms.

More comparisons equals lower rates

As you prepare to switch companies, you should never buy poor coverage just to save money. In many cases, an accident victim reduced full coverage and discovered at claim time that the small savings ended up costing them much more. The aim is to buy enough coverage for the lowest price while not skimping on critical coverages.

The cheapest auto insurance can be bought from both online companies as well as from independent agents in Fremont, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers don’t offer the ability to get a quote online and these smaller companies work with independent agents.