Free Guide to Spending Less for Papillion, NE Auto Insurance Online

Having to pay for overpriced auto insurance can overdraw your savings account and force you to make sacrifices. Comparing price quotes is a great way to slash your bill and have more diposable income. You have multiple insurers to purchase coverage from, and though it is a good thing to have multiple companies, having more car insurance companies makes it harder to find the lowest rates.

Don’t miss these discounts

The price of auto insurance can be rather high, but you may find discounts that can drop the cost substantially. Certain discounts will be applied when you purchase, but some may not be applied and must be requested specifically before they will apply. If they aren’t giving you every credit possible, you are paying more than you should be.

• Senior Discount – Mature drivers may receive a small decrease in premiums.
• Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
• Use Seat Belts – Drivers who require all occupants to use a seat belt can save 10% or more off the personal injury premium cost.
• Low Mileage – Driving fewer miles could qualify for a substantially lower rate.
• Homeowners Discount – Being a homeowner may trigger a auto insurance policy discount because owning a home demonstrates responsibility.
• Multi-policy Discount – When you combine your home and auto insurance with the same company you will save at least 10% off all policies.
• More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
• Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.

It’s important to note that most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will help reduce the amount you have to pay.

To choose insurers offering auto insurance discounts in Nebraska, click here to view.

Is there deception in advertising?

Consumers in Nebraska get pounded daily by advertisements for the lowest price auto insurance from companies such as State Farm, Allstate and GEICO. All the ads say the same thing about savings if you switch your policy.

How do they all claim to save you money?

Insurance companies have a certain “appetite” for the right customer they prefer to insure. For instance, a desirable insured could possibly be between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. Any new insured who matches those parameters will qualify for the lowest rates and therefore will save a lot of money.

Drivers who don’t qualify for the “perfect” profile will be quoted a higher premium which leads to business going elsewhere. Company advertisements say “drivers who switch” not “people who quote” save money. That’s the way insurance companies can advertise the way they do.

This emphasizes why you need to compare many company’s rates. It is impossible to predict which company will provide you with the cheapest rates.

More Nebraska auto insurance resources

More information is located on the website for the Nebraska Department of Insurance. Click here for link. Nebraska drivers can view agent and company licensing information, file complaints about a company, and get help finding coverage.

Quote often and quote early

We just showed you many ideas to get a better price on auto insurance. The key thing to remember is the more quotes you get, the better chance you’ll have of finding lower rates. You may even find the biggest savings come from a small local company. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

Cheap auto insurance is available both online and with local Papillion insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some auto insurance companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.