10 Discounts Blair Drivers Forget when Shopping for Car Insurance

Tired of trying to scrape together enough money each month for car insurance? You are in the same boat as most other car owners in Nebraska. Big companies like GEICO and Progressive continually hit you with TV and radio ads and it is difficult to sift through the bull and take the time to shop coverage around.

If you are insured now or need new coverage, you will benefit by learning to find better prices while maintaining coverages. Finding affordable coverage in Blair is quite easy. Nebraska drivers only need an understanding of the most effective way to compare company rates online.

Fast and Easy Blair Car Insurance Quotes

Shopping for lower car insurance rates can be a lot of work if you don't understand the most efficient way. You can spend your afternoon talking about coverages with insurance agencies in Blair, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Most of the larger companies enroll in a system that allows shoppers to submit one quote, and each participating company provides a quote based on that data. This prevents consumers from doing quote requests to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The one disadvantage to doing it this way is you are unable to specify which providers to get pricing from. So if you want to select specific insurance companies to compare, we have a listing of the cheapest car insurance companies in Nebraska. View list of Nebraska insurance companies.

Whichever method you choose, double check that you are using exactly the same deductibles and coverage limits for each price quote. If you have different values for each quote it will be very difficult to truly determine the lowest rate in Blair.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but you can get discounts to help offset the cost. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be manually applied before you will receive the discount. If you aren't receiving every discount available, you are paying more than you should be.

Fewer Miles Equal More Savings - Keeping the miles down could qualify for a substantially lower rate.
Drivers Ed for Students - Cut your cost by having your teen driver enroll in driver's education in high school.
Employee of Federal Government - Employees or retirees of the government may qualify you for a discount depending on your company.
Student in College - Youth drivers living away from home attending college without a vehicle on campus can receive lower rates.
Save with a New Car - Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
No Accidents - Claim-free drivers pay less when compared with accident-prone drivers.
Organization Discounts - Being a member of a civic or occupational organization may earn a discount when buying car insurance.
Pay Upfront and Save - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
Homeowners Pay Less - Owning a home in Blair can save you money because of the fact that having a home demonstrates responsibility.
Passive Restraints and Air Bags - Vehicles equipped with air bags can qualify for discounts of up to 25% or more.

It's important to understand that some credits don't apply to the entire cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, it doesn't quite work that way. Any qualifying discounts will reduce the amount you have to pay.

To choose insurers with the best car insurance discounts in Blair, click here.

Is there truth in advertising?

Consumers in Nebraska can't ignore all the ads for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the companies have a common claim of big savings if you move to their company.

How can each company claim to save you money? This is how they do it.

All the different companies can use profiling for the driver that makes them money. A good example of a profitable customer might be a mature driver, has no tickets, and has a short commute. Any new insured that hits that "sweet spot" will get very good rates and is almost guaranteed to save when they switch companies.

Drivers who don't measure up to the requirements must pay higher premiums and this can result in the customer not buying. The ads say "drivers who switch" but not "drivers who get quotes" save that much. That's why insurance companies can confidently make the claims of big savings.

This illustrates why you need to get quotes from several different companies. It's just too difficult to predict the company that will fit your personal profile best.

Additional car insurance information can be read on the website for the Nebraska Department of Insurance. Click here for link. Visitors are able to find disaster information, download brochures, view agent and company licensing information, and file complaints about an insurance agent or broker.

And the best car insurance company is...

Low-cost car insurance is possible both online and also from your neighborhood Blair agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

As you shop your coverage around, it's a bad idea to reduce coverage to reduce premium. There are a lot of situations where an insured dropped full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage for the lowest price while not skimping on critical coverages.