Pay Less for Holdrege Car Insurance Rates in Five Minutes

Having to pay for overpriced car insurance can take a big chunk out of your checking account and put a big crunch on your finances. Doing a price comparison is free and is an excellent way to tighten up your finances.

Lots of insurers contend to insure your vehicles, so it’s not easy to compare every provider to find the lowest price

If you have car insurance now, you will be able to save some money using these tips. Finding the best rates in Holdrege is not rocket science. Nevertheless, Nebraska consumers can benefit by having an understanding of the methods companies use to market on the web.

Make smart decisions and save

It’s important that you understand some of the elements that come into play when calculating car insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that will entitle you to better car insurance rates.

The list below includes a few of the “ingredients” companies use to determine prices.

Sex matters – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Women and men are in accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically have more aggressive citations like reckless driving and DUI.
Never let your coverage lapse – Not having insurance is a misdemeanor and car insurance companies will penalize you for letting your coverage lapse. Not only will you pay more, getting caught without coverage can result in a steep fine or even jail time.You may need to provide proof of insurance in the form of an SR-22 filing with the Nebraska department of motor vehicles.
Save money with special equipment – Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
Older drivers pay less – Teenage drivers in Nebraska tend to be careless and easily distracted behind the wheel so they pay higher car insurance rates. Adding a young driver onto your car insurance can be quite pricey. Older drivers are more cautious drivers, file fewer claims and are safer drivers.
The type of vehicle makes a difference – The performance level of the vehicle you own makes a substantial difference in determining your rates. The lowest rates are usually for low performance passenger vehicles, but there are many factors that impact the final cost.
Do you know you’re credit rating? – Having a bad credit rating is a large factor in calculating your car insurance rates. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have poor credit. So if your credit rating can use some improvement, you could potentially save money when insuring your by repairing your credit.

Don’t miss these discounts

Companies offering auto insurance don’t always publicize every discount in an easy-to-find place, so we researched both well-publicized and also the lesser-known savings tricks you should be using.

Organization Discounts – Participating in a civic or occupational organization is a good way to get lower rates when shopping for car insurance.
Auto/Life Discount – Companies who offer life insurance give better rates if you take out life insurance.
Safety Course Discount – Successfully completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
Fewer Miles Equal More Savings – Fewer annual miles could qualify for better rates on cars that stay parked.
Multiple Cars – Having all your vehicles on the same car insurance policy could earn a price break for each car.
Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less than less cautious drivers.
Accident Forgiveness – A handful of insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a certain period of time.
Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
Military Rewards – Being on active duty in the military can result in better rates.
Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The discount lasts until age 25.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most only cut specific coverage prices like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

To choose companies with discount car insurance rates in Nebraska, click here to view.

Your local neighborhood insurance agent

Some consumers would prefer to buy from a local agent and there is nothing wrong with that. One of the great benefits of comparing insurance prices online is you may find the best rates and still choose a local agent. price insurance in Holdrege Nebraska

To make it easy to find an agent, after completing this quick form, the quote information is immediately sent to participating agents in Holdrege who will return price quotes to get your business. There is no reason to leave your computer because quoted prices will be sent straight to your inbox. How’s that for easy! You’ll get the best rates and work with a local agent.

Deciding on a company requires more thought than just the price. Ask your prospective agent these questions:

Are there any discounts that you might be missing?
Do they regularly work with personal auto policies?
Do they have any clout with companies to ensure a fair claim settlement?
Do clients work directly with the agent or are most inquiries handled by a CSR?
Are they full-time agents?

Independent or Captive: It’s your choice

When looking for a reliable agent, there are two types of insurance agents from which to choose. Agents are categorized either independent (non-captive) or captive.

Captive Insurance Agents

These agents write business for a single company and examples are State Farm, Allstate and AAA. They generally cannot provide prices from multiple companies so they have no alternatives for high prices. Captive agents are very knowledgeable in insurance sales which can be an advantage.

Listed below is a list of captive agents in Holdrege that can give you rate quotes.

Farmers Insurance Group – 700 Railroad St # 101 – Holdrege, NE 68949 – (308) 995-4635
State Farm Insurance – 701 4th Ave – Holdrege, NE 68949 – (308) 995-6868
American Family Insurance – 318 East Ave – Holdrege, NE 68949 – (308) 995-3840
Shelter Insurance – 311 Lafayette St – Holdrege, NE 68949 – (308) 995-5408
Farm Bureau Insurance – 411 Grant St – Holdrege, NE 68949 – (308) 995-4041

Independent Agents

Independent agents are not employed by any specific company so they can insure your vehicles with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and that require little work on your part.

When searching for an agent, we recommend you include price quotes from several independent insurance agents to have the most options to choose from.

The following are Holdrege independent insurance agencies that can give you price quotes.

General Service Agency Inc – 617 3rd Ave – Holdrege, NE 68949 – (308) 995-6123
Farm Bureau Insurance – 411 Grant St – Holdrege, NE 68949 – (308) 995-4041
Erickson Agency Inc – 314 Garfield St – Holdrege, NE 68949 – (308) 995-8694
Batie and Thorell Insurance – 1223 4th Ave – Holdrege, NE 68949 – (308) 995-4804

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

Upon getting reasonable responses and locked in a price quote, you may have just found a car insurance agent that meets your needs to properly insure your vehicles.

Even more information is located at the Nebraska Department of Insurance website. Consumers can view a list of available companies, view agent and company licensing information, download brochures, and read industry bulletins.

Smart consumers save more

We just presented some good ideas how to reduce car insurance prices online. It’s most important to understand that the more you quote, the better your comparison will be. Consumers could even find that the lowest premiums are with a small local company. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive or GEICO.

Cheap car insurance can be purchased both online as well as from independent agents in Holdrege, and you should be comparing both to have the best selection. Some companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

As you go through the steps to switch your coverage, don’t be tempted to skimp on coverage in order to save money. Too many times, someone dropped physical damage coverage only to regret that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.