6 Ways You Can Buy Car Insurance for Less in Bellevue

Purchasing the most affordable Bellevue car insurance on the web can seem to be rather challenging for consumers not familiar with comparison shopping online. Because there are so many online companies, how can you even start to compare every company to locate the lowest rates?

Finding affordable coverage in Bellevue is quite easy. If you are paying for car insurance now, you should be able to lower your premiums substantially using this information. Nevertheless, Nebraska car owners do need to know the methods companies use to sell online and use this information to your advantage.

Policy discounts you shouldn't miss

Car insurance companies don't list every discount very clearly, so we break down some of the more common as well as the least known ways to save on car insurance.

  • Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Auto/Life Discount - Larger companies have a discount if you purchase auto and life insurance together.
  • Accident Waiver - Certain companies will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Multiple Policy Discount - If you have multiple policies with one company you could get a discount of approximately 10% to 15%.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.

Consumers should know that many deductions do not apply to your bottom line cost. Most only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, companies don't profit that way.

compare Bellevue car insurance rates

Insurance agents can help

When it comes to buying adequate coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different.

For example, these questions can help discover whether your personal situation could use an agent's help.

  • Are my tools covered if they get stolen from my vehicle?
  • What are the financial responsibility laws in Nebraska?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is the difference between comprehensive and collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I rate my vehicle as pleasure use or commute?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.

Save $429 a year? Really?

Car insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all make the same claim of big savings after switching to them. How does each company make the same claim?

All the different companies have a preferred profile for the type of driver that earns them a profit. For example, a driver they prefer could be over the age of 40, has no prior claims, and has great credit. Any new insured who matches those parameters will get the preferred rates and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will be quoted a more expensive rate which leads to business going elsewhere. The ads state "customers that switch" but not "drivers who get quotes" save money. This is how insurance companies can confidently advertise the savings. This emphasizes why you should compare as many rates as you can. It's just too difficult to predict which insurance companies will give you the biggest savings.

Learn more about car insurance in Nebraska

More tips and info about car insurance can be found at the Nebraska Department of Insurance website. Consumers can view a list of available companies, file complaints about an insurance agent or broker, and get help finding coverage.

Also read more on this page for car insurance prices in Nebraska and this list of insurance agents in Bellevue, NE.

Nebraska car insurance quotes

Do the work, save more money

Insureds change insurance companies for a number of reasons such as unfair underwriting practices, delays in paying claims, an unsatisfactory settlement offer and even policy non-renewal. No matter why you want to switch, choosing a new insurance company is less work than it seems.

As you prepare to switch companies, make sure you don't buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at a price you can afford while still protecting your assets.

Cost effective car insurance can be sourced from both online companies and with local Bellevue insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.