Auto Insurance in Wayne Nebraska – 5 Discounts Drivers are Unaware of

Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Believe me, you are not the only one feeling buyer’s remorse. Having so many choices, it is very difficult to locate the lowest cost provider.

Choosing the best insurance company for you in Wayne is easy if you know what you’re doing. If you have insurance now or need new coverage, you can use this information to reduce the price you pay and possibly find even better coverage. Nebraska drivers just need to understand how to compare prices online.

How to Buy Wayne Auto Insurance Online

Finding cheaper auto insurance prices can be relatively painless. The only requirement is to spend a few minutes to compare rate quotes online with multiple companies. It is quite easy and can be accomplished in several different ways.

One of the best ways to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This easy form eliminates the need for a different quote for each company. In just a few minutes this one form gets you coverage quotes from multiple companies.

A more time consuming way to get quotes online consists of going to the website of each company to request a price quote. For instance, we’ll assume you want to compare rates from Liberty Mutual, 21st Century and American Family. You would have to spend time on each company’s site and enter your information, which is why the first method is more popular.

For a handy list of car insurance company links in Wayne, click here.

The least efficient method to get comparison rates to different Wayne agent offices. Shopping for auto insurance online has reduced the need for local agents unless you prefer the professional advice that only a license agent can provide. Drivers can compare online quotes but buy from a local insurance agent. We’ll cover that shortly.

It doesn’t matter which method you choose, just make absolute certain that you use apples-to-apples coverage information for every quote you compare. If you are comparing higher or lower deductibles it’s impossible to determine which rate is truly the best in Wayne.

Don’t miss out on these 5 money-saving discounts

Companies offering auto insurance don’t always list all available discounts very clearly, so we break down both well-publicized and the harder-to-find auto insurance savings. If you’re not getting every credit you qualify for, you are paying more than you should be.

• Multiple Cars – Having all your vehicles on one policy could earn a price break for each car.
• No Claims – Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
• Save over 55 – Mature drivers may be able to get better auto insurance rates.
• Save with a New Car – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
• Organization Discounts – Participating in a qualifying organization is a good way to get lower rates on auto insurance.

It’s important to note that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way.

To choose providers with discount auto insurance rates in Wayne, follow this link.

Shop online but buy locally

A small number of people prefer to buy from a local agent and that is just fine! Agents can answer important questions and help file insurance claims. The best thing about comparing insurance prices online is you can get better rates but still work with a licensed agent.

After completing this form (opens in new window), the quote information is sent to companies in Wayne who will return price quotes for your coverage. You never need to even leave your home since price quotes are sent to the email address you provide.

Choosing a company should depend on more than just a low price. Some important questions to ask are:

• Are you getting all the discounts the company offers?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• If your car is totalled, how to they determine the replacement cost?
• How much will you save each year by using a higher deductible?
• Is their price quote a firm figure or are their hidden costs?

Choose the right insurance agent

When searching for local Wayne agents, you must know there are a couple types of agencies that you can select. Agencies in Wayne are categorized either captive or independent (non-captive). While both can write coverage properly, but it’s worth mentioning the difference between them because it can influence the selection process.

Agency Captives

Captive agents write business for a single company such as Allstate, Farmers Insurance or State Farm. These agents are not able to provide prices from multiple companies so keep that in mind. Captives are well schooled on the products they sell which can be an advantage.

Shown below is a short list of captive agents in Wayne that can give you comparison quotes.

Farm Bureau Insurance – 318 N Main St – Wayne, NE 68787 – (402) 375-3144
State Farm Insurance – 118 W 3rd St – Wayne, NE 68787 – (402) 375-3470

Independent Agencies or Brokers

Independent insurance agents are not locked into one company but rather can write business amongst many companies depending on which coverage is best. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part.

When comparing rates, we recommend you include multiple independent agents for maximum quote selection.

Listed below are independent agencies in Wayne willing to provide comparison quotes.

State National Insurance Co – 112 E 2nd St – Wayne, NE 68787 – (402) 375-4888
First National Agency – 303 Main St – Wayne, NE 68787 – (402) 375-2511
Keith Jech Insurance and Rl Est – 316 Main St – Wayne, NE 68787 – (402) 375-1429

For a full directory of licensed insurance agents in Wayne, please click here.

After getting reasonable responses and an acceptable price quote, it’s possible that you found a car insurance agent that can properly service your auto insurance policy. But remember, consumers can cancel your policy for any reason so don’t feel that you are obligated to any particular company with no way to switch.

Additional detailed information can be found at the Nebraska Department of Insurance website. Nebraska drivers can read consumer alerts, find a variety of consumer forms, and learn about insurance regulations.

The following articles may also be useful.

• New Tricks for Buying Fort Wayne Auto Insurance for Less Money
• Never Compare Fort Wayne, IN Auto Insurance Without Knowing These Money Saving Methods
• Tips to Finding the Right Insurance Agency in Fort Wayne, IN

Specific coverages

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement. These are typical coverages found on the average auto insurance policy.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, vandalism, rock chips in glass and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage – This will pay to fix damage to your vehicle resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a building, driving through your garage door, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your vehicle.

Since a lot of drivers only carry the minimum required liability limits (Nebraska limits are 25/50/25), their limits can quickly be used up. So UM/UIM coverage is very important.

Liability coverages – Liability coverage protects you from damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like legal defense fees, loss of income, court costs, structural damage and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible. Nebraska state minimum liability requirements are 25,000/50,000/25,000 but drivers should carry better liability coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like pain medications, hospital visits, doctor visits and surgery. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Summing up your auto insurance search

Cheap auto insurance can be bought both online and with local Wayne insurance agents, so compare prices from both so you have a total pricing picture. There are still a few companies who do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

We’ve covered many ideas to compare auto insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the best prices are with the smaller companies. These companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.