Find Cheaper Lincoln Auto Insurance

Finding the lowest price for Lincoln auto insurance can seem complicated if you're new to online quoting. But don't let that discourage you because comparing prices is actually very simple.

It's important to compare prices periodically since insurance rates are constantly changing. If you had the best price six months ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because I'm going to let you in on the secrets to the fastest and easiest way to buy cheaper auto insurance.

Take advantage of discounts

Car insurance can cost a lot, but discounts can save money and there are some available that can drop the cost substantially. A few discounts will automatically apply at quote time, but less common discounts must be requested specifically in order for you to get them. If they aren't giving you every credit you qualify for, you're paying more than you need to.

Sign Early and Save - Select companies give a discount for signing up before your current expiration date. It can save you around 10%.
Passive Restraints and Air Bags - Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.
Claim Free - Good drivers with no accidents can save substantially compared to bad drivers.
Low Mileage - Keeping the miles down can earn a substantially lower rate.
Pay Upfront and Save - By paying your policy upfront instead of paying each month you could save up to 5%.
Homeowners Savings - Being a homeowner can save you money because of the fact that having a home is proof that your finances are in order.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears it's possible to get free car insurance, you won't be that lucky. Any amount of discount will cut your overall premium however.

To see a list of providers with the best auto insurance discounts in Lincoln, click here.

How to Get Lincoln Auto Insurance Comparison Quotes

Finding cheaper auto insurance prices isn't really that difficult. Just invest a little time getting comparison quotes from different insurance companies. This is very easy and can be done using a couple different methods.

The best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating boring form submissions for every auto insurance company. Just one form gets you coverage quotes from all major companies. It's the fastest way to compare.
A less efficient way to compare rate quotes consists of going to each company website to complete a price quote. For instance, let's say you want to compare , and . To get rate quotes you would need to go to every website to enter your coverage information, and that's why the first method is more popular. To view a list of companies in Lincoln, click here.

However you get your quotes, be sure to compare the exact same coverages for every company. If your comparisons have different limits and deductibles on each one you will not be able to decipher which rate is best in Lincoln.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the factors that come into play when calculating auto insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that can help you get lower auto insurance prices.

Type of vehicle determines base rates - The type of vehicle you drive makes a significant difference in the rate you pay. Economy passenger cars generally have the cheapest insurance rates, but other factors influence the final cost greatly.
Do you know you're credit rating? - Your credit rating is a huge factor in determining your rates. People with good credit tend to be more responsible than drivers who have lower credit scores. So if your credit can use some improvement, you could pay less to insure your by repairing your credit.
Rates may be higher depending on your occupation - Occupations like lawyers, social workers and accountants have higher rates than average in part from high stress levels and lengthy work days. On the flip side, professions such as scientists, athletes and the unemployed get better rates.
Safer occupants lowers premiums - Cars with high safety ratings get lower rates. Safer cars protect occupants better and better occupant protection means less money paid by your insurance company and lower rates for you.

How to know if you need help

When choosing the right insurance coverage for your vehicles, there is no one size fits all plan. Every insured's situation is different.

These are some specific questions may help highlight whether your personal situation might need professional guidance.

Does my car insurance cover rental cars?
Should I drop comprehensive coverage on older vehicles?
Are there companies who specialize in insuring high-risk drivers?
Is my dog or cat covered if injured in an accident?
Do I have any recourse if my insurance company denies a claim?
When do I need to add a new car to my policy?

If you can't answer these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Are auto insurance companies telling the truth?

Alabama drivers can't get away from ads for cheaper car insurance from the likes of State Farm and Allstate. All the ads have a common claim about savings if you move your coverage to them.

How do they all say the same thing? This is how they do it.

All companies have a certain "appetite" for the type of customer that is profitable for them. For example, a preferred risk might be profiled as between 30 and 50, a clean driving record, and has a high credit rating. A propective insured that hits that "sweet spot" receives the best rates and most likely will cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will be charged more money and this can result in business not being written. Company advertisements say "drivers who switch" not "people who quote" save that much money. That is how companies can truthfully state the savings.

That is why drivers must compare as many rates as you can. It's not possible to predict which company will have the lowest rates.

In the end, you save

In this article, we covered a lot of techniques to compare auto insurance prices online. The key concept to understand is the more you quote, the better likelihood of reducing your rate. Drivers may discover the best prices are with a lesser-known regional company.

Drivers who switch companies do it for any number of reasons including high prices, poor customer service, high rates after DUI convictions or delays in responding to claim requests. No matter why you want to switch, switching auto insurance companies is actually quite simple.

Cheaper auto insurance is definitely available on the web as well as from independent agents in Lincoln, so compare prices from both in order to have the best chance of saving money. Some insurance companies don't offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Additional information can be found on the Alabama Department of Insurance website. Click here for link. Alabama drivers can learn about specific coverages, find out industry alerts, and read industry bulletins.