Is Your Ralston, NE Car Insurance Too High? Learn How to Lower Your Rates

Are you overwhelmed by the number of car insurance choices in Ralston? You have a lot of company. You have so many companies to choose from that it can easily become a real hassle to find the perfect company for you.

Consumers need to get comparison quotes quite often because rates trend upward over time. Despite the fact that you may have had the best rates a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to find out one of the easiest ways to find great coverage at a great price.

Be sure to get all your discounts

Auto insurance companies don’t always list all their discounts very well, so we took the time to find some of the best known as well as the least known discounts you could be receiving. If you don’t get every credit possible, you’re paying more than you need to.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
  • No Accidents – Good drivers with no accidents pay much less as compared to accident-prone drivers.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more than drivers with accident claims.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Own a Home – Simply owning a home can save you money because of the fact that having a home requires personal responsibility.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you could get a free car insurance policy, car insurance companies aren’t that generous.

Buying car insurance from a local agent

A small number of people just want to visit with an insurance agent and there is nothing wrong with that. Licensed agents can answer important questions and help in the event of a claim. The best thing about getting online price quotes is that you can obtain the best rates and still have an agent to talk to.

Upon completion of this short form, your information is immediately sent to participating agents in Ralston who will give you bids for your coverage. There is no need to leave your computer as quotes are delivered directly to your email. How cool is that?!

Deciding on a company needs to be determined by more than just a cheap price. Agents should be asked these questions:

  • Which insurance companies are they affiliated with?
  • What insurance company do they write the most business with?
  • Will your rates increase after a single accident?
  • Are they properly licensed to sell insurance in Nebraska?
  • Did they already check your driving record and credit reports?

What type of Ralston auto insurance agent is right for you?

When looking for a good insurance agency, there are two types of agencies from which to choose. Agencies in Ralston are categorized either captive or independent. While both can do a good job, but it’s good to learn how they differ because it can influence buying decisions.

Agency Captives

Captive insurance agents can only write with one company like Allstate, State Farm and Farmers Insurance. Captives cannot provide prices from multiple companies so they have to upsell other benefits. Captive agents are very knowledgeable on their company’s products and that can be a competitive advantage. Some people will only choose to use a captive agent primarily because of the brand legacy and the convenience of having all coverages with one company.

Listed below is a list of captive insurance agencies in Ralston willing to provide rate quotes.

  • Shelter Insurance – 7905 L St # 220 – Ralston, NE 68127 – (402) 331-0610
Independent Agents

Independent agents are not employed by any specific company but rather can write business with many different companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency.

When searching for an agent, it’s recommended you include price quotes from at a minimum one independent agency to ensure the widest selection of prices.Many can place coverage with lesser-known insurance companies which may provide better rates.

Listed below are Ralston independent agents who can help you get rate quotes.

  • National Insurance Svc – 7905 L St – Ralston, NE 68127 – (402) 592-1303
  • Ralston Insurance Inc – 7608 Park Dr – Ralston, NE 68127 – (402) 331-6767

For a full directory of car insurance agents in Ralston, please view this page.

After receiving reasonable responses for all questions you ask and an affordable coverage quote, you’ve probably found an insurance agency that meets your needs to properly service your car insurance policy.

lower rates in Ralston NE

Consumer car insurance information in Nebraska

Additional detailed information is located at the Nebraska Department of Insurance website. Visitors are able to find disaster information, report car insurance fraud, read industry bulletins, and discover disciplinary actions.

Final thoughts

You just learned some good ideas how you can lower your car insurance rates. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the best prices are with a company that doesn’t do a lot of advertising.

People who switch companies do it for any number of reasons including high prices, not issuing a premium refund, lack of trust in their agent and even being labeled a high risk driver. Whatever your reason, finding a new company is not as difficult as it may seem.

Cost effective car insurance is possible both online and also from your neighborhood Ralston agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.