How to Know You're Spending Too Much for Auto Insurance in South Sioux City

Having to pay for overpriced auto insurance can dwindle your checking account, especially in this economy. Comparing price quotes is a great way to help make ends meet. There is such a variety of to buy insurance from, and although it's nice to have multiple companies, so many choices can make it hard to compare rates.

It's important to get comparison quotes yearly because insurance rates are constantly changing. Just because you had the best rates a couple years back you will most likely find a better rate today. There is too much inaccurate information about auto insurance online, so I'm going to show you some great ways to put money back in your pocket.

Finding the best rates in South Sioux City is quite easy. If you are paying for car insurance now, you will be able to reduce your rates substantially using this strategy. Nebraska drivers only need an understanding of how to buy auto insurance online.

Are you getting all your discounts?

Companies offering auto insurance don't necessarily list all their discounts very clearly, so the following is a list of both well-publicized as well as the least known discounts you could be receiving. If you're not getting every credit you deserve, you are throwing money away.

  • Accident Waiver - Certain companies will forgive one accident before your rates go up as long as you don't have any claims for a particular time prior to the accident.
  • Bundle and Save - If you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
  • Good Student Discount - Performing well in school can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Save over 55 - If you qualify as a senior citizen, you may qualify for a discount up to 10%.
  • Military Discounts - Being deployed with a military unit could mean lower rates.
  • Government Employees - Active or retired federal employment may qualify you for a discount with select insurance companies.
  • Passive Restraint Discount - Factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.

It's important to understand that some credits don't apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it doesn't quite work that way.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there isn't really a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can help discover whether you could use an agent's help.

  • I have good health insurance, so how much medical payments coverage do I need?
  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in Nebraska?
  • Should I buy additional glass protection?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if I drive in a foreign country?
  • Should I drop comprehensive coverage on older vehicles?

If you can't answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can help protect your family.

How can State Farm, GEICO and Progressive save drivers who switch?

Nebraska consumers get pounded daily by advertisements for car insurance savings from companies such as State Farm, GEICO and Progressive. They all seem to have a common claim of big savings if you switch your policy.

How does each company make almost identical claims?

All the different companies have a preferred profile for the right customer that earns them a profit. A good example of a desirable insured could possibly be over the age of 40, has no prior claims, and drives less than 10,000 miles a year. A driver that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards will have to pay more money and this can result in the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everybody who quotes" save that kind of money. This is how insurance companies can confidently advertise the way they do. Because of the profiling, you should get as many quotes as possible. It is impossible to predict which insurance companies will provide you with the cheapest rates.

Learn more about auto insurance in Nebraska

More tips and info about auto insurance can be read at the Nebraska Department of Insurance website. Nebraska consumers can get help finding coverage, view agent and company licensing information, file complaints about a company, and learn about insurance regulations.

Nebraska auto insurance quotes

In the end, you save

Low-cost auto insurance is available online in addition to many South Sioux City insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some auto insurance companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

As you go through the steps to switch your coverage, it's very important that you do not buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice collision coverage and discovered at claim time that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at a price you can afford.

In this article, we presented a lot of ways to reduce auto insurance prices online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the lowest premiums are with the least-expected company. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as .