Tightwads Instructions on Saving on Lincoln Car Insurance

Expensive car insurance can take a big chunk out of your savings account and put a big crunch on your finances. Comparison shopping is a great way to cut your insurance bill. Lots of contend to insure your vehicles, and because of this it can be hard to compare and get the definite lowest rate

Free Lincoln Car Insurance Quotes

Cutting your Lincoln car insurance rates is a fairly straight forward process. Just take a couple of minutes comparing rates online with multiple companies. This is very easy and can be done using a couple different methods.

The recommended way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This type of form keeps you from doing repetitive form entry to each individual car insurance company. One form will get you rate comparisons direct from many companies.
A slightly less efficient method to compare rate quotes requires you to visit each individual company website and fill out their own quote form. For instance, let's assume you want comparison quotes from , and . To find out each rate you need to go to every website and enter your policy data, which is why the first method is quicker. To view a list of companies in Lincoln, click here.

However you get your quotes, make darn sure you compare the exact same coverage information for each comparison quote. If your comparisons have unequal deductibles or liability limits you can't possibly determine the lowest rate in Lincoln.

Take advantage of discounts

Insurance can cost an arm and a leg, but you may find discounts to cut the cost considerably. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be manually applied before being credited. If they aren't giving you every credit you deserve, you're paying more than you need to.

Multiple Vehicles - Insuring multiple vehicles on the same car insurance policy can get a discount on all vehicles.
Student in College - Youth drivers living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
Senior Citizens - Mature drivers may be able to get reduced rates.
Driver Safety - Taking part in a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
Auto/Home Discount - When you combine your home and auto insurance with the same company you could get a discount of approximately 10% to 15%.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, car insurance companies aren't that generous. Any amount of discount will cut your overall premium however.

To see a list of insurers who offer car insurance discounts in Lincoln, click here.

How to know if you need help

When choosing coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else's and your policy should reflect that. These are some specific questions may help you determine whether your personal situation will benefit from professional help.

Can I afford to buy a different vehicle if my vehicle is totaled?
Why does it cost so much to insure a teen driver in Lincoln?
Should I buy additional glass protection?
Should I rate my vehicle as pleasure use or commute?
What are Arkansas no-fault laws?
Can I get a multi-policy discount for packaging my home and auto coverage?
Does my personal auto insurance policy cover using my vehicle for business use?
What is the difference between comprehensive and collision coverage?

If you can't answer these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

More sites with car insurance information

Additional information can be read on the website for the Arkansas Insurance Department found here. Visitors are able to report car insurance fraud, read enforcement actions against agents and companies, learn about insurance regulations, and discover disciplinary actions.