Tightwads Guide for Saving on Lincoln Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you you're not the only one.

Big companies like GEICO and Progressive continually bombard you with fancy advertisements and it is difficult to sift through the bull and take the time to shop coverage around.

If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. Finding affordable coverage in Lincoln is not that difficult. Although Delaware consumers do need to know how companies market on the web and apply this information to your search.

car insurance in Lincoln

Policy discounts you shouldn't miss

Companies that sell car insurance do not list all available discounts in a way that's easy to find, so we took the time to find both the well known and also the lesser-known discounts you could be receiving.

  • Fewer Miles Equal More Savings - Keeping the miles down can earn a substantially lower rate.
  • Club Memberships - Being a member of a civic or occupational organization may earn a discount when buying car insurance.
  • Seat Belt Usage - Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Federal Government Employee - Simply working for the federal government may qualify you for a discount depending on your company.
  • Student in College - Youth drivers who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Save with a New Car - Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • No Accidents - Drivers with accident-free driving histories can save substantially when compared with frequent claim filers.

A little note about advertised discounts, some credits don't apply to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, you won't be that lucky.

For a list of insurers with the best car insurance discounts in Lincoln, click here.

Compare Quotes for Lincoln Car Insurance

The are a couple different ways of comparing rates from car insurance companies in your area. The recommended way to find the lowest rates is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

One of the best ways to find the lowest comparison rates is a comparison rater form click here to open form in new window. This type of form eliminates the need for separate quote forms to each individual car insurance company. Filling out one form gets you coverage quotes from many national carriers.

A slightly less efficient method to shop for car insurance online consists of going to the website for every company you want to comare and request a quote. For sake of this example, let's assume you want to compare rates from , and . To find out each rate you need to spend time on each company's site to enter your coverage information, which is why the first method is quicker.

For a list of links to companies insuring cars in Lincoln, click here.

The most time-consuming method of comparing rate quotes is driving around to insurance agents' offices. Buying insurance online makes this process obsolete unless you want the trained guidance only provided by licensed Lincoln agents. It is possible to compare online quotes but buy from a local insurance agent and you'll learn how to do that later.

Whichever method you choose, ensure you are comparing exactly the same coverages with every price quote. If each company quotes different limits and deductibles on each one then you won't be able to find the best deal in Lincoln. Slightly different coverages may result in a large different in cost. Just remember that getting more free quotes will improve the odds of getting lower pricing.

Shop smart and save

The cheapest car insurance is definitely available both online and also from your neighborhood Lincoln agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

When you buy insurance online, it's a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.