Car Insurance in Laurel - 9 Discounts You Might be Missing

Overpriced car insurance can overdraw your bank account and make it hard to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Companies like State Farm, Allstate, GEICO and Progressive persitently shower you with advertising and it can be hard to sift through the bull and effectively compare rates to find the best deal.

It's important to check car insurance prices quite often since rates are constantly changing. Even if you got the lowest price a few years ago there may be better deals available now. Forget all the misinformation about car insurance because you're about to find out the only way to find great coverage at a great price.

Laurel car insurance quote

Don't pay full price with these nine discounts

Car insurance companies don't always publicize every available discount in a way that's easy to find, so we researched some of the more common and the more hidden savings tricks you should be using. If you aren't receiving every discount you deserve, you're just leaving money on the table.

  • Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Resident Student - Kids in college who are attending college and do not have a car may be able to be covered for less.
  • Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Military Rewards - Being on active duty in the military could mean lower rates.
  • Early Signing - A few companies offer discounts for switching to them before your current policy expires. This can save 10% or more.
  • Defensive Driver - Completing a driver safety course could cut 5% off your bill depending on where you live.
  • Payment Discounts - If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Life Insurance - Some companies give better rates if you take out a life insurance policy as well.
  • Club Memberships - Belonging to a civic or occupational organization is a good way to get lower rates on your policy.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as comprehensive or collision. Just because it seems like it's possible to get free car insurance, it just doesn't work that way.

For a list of providers offering car insurance discounts in Laurel, click here to view.

How to Buy Laurel Car Insurance Online

There are multiple methods to compare car insurance quotes, but some are less labor-intensive and much quicker. You can waste hours discussing policy coverages with insurance companies in Laurel, or you can utilize online quotes to get rates in a matter of minutes.

Most car insurance companies participate in an industry program that enables customers to only type in their quote data once, and each participating company can give them a price. This saves time by eliminating quotation requests to each individual car insurance company. To submit your quote information now, click here (opens in new window).

One minor caviat to doing it this way is you cannot specify the companies you want to price. So if you want to choose specific providers to compare rates, we have assembled a list of low cost car insurance companies in Nebraska. Click here for list of insurance companies in Nebraska.

It's up to you which method you use, but make darn sure you compare exactly the same coverage limits and deductibles for each price quote. If you compare different liability limits it will be next to impossible to truly determine the lowest rate in Laurel.

Your personal situation dictates your coverage

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine whether or not you would benefit from an agent's advice.

  • Do I need PIP (personal injury protection) coverage in Nebraska?
  • What are Nebraska no-fault laws?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered when pulling a rental trailer?
  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I drop comprehensive coverage on older vehicles?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you don't have a local agent, complete this form or click here for a list of car insurance companies in your area. It's fast, free and can provide invaluable advice.

Best coverage at the best price

When shopping online for car insurance, it's not a good idea to sacrifice coverage to reduce premiums. Too many times, drivers have reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

You just learned some good ideas how you can get a better price on car insurance. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the most savings is with a company that doesn't do a lot of advertising. These companies can often insure niche markets at a lower cost as compared to the big name companies such as .