Techniques for Effectively Comparing Norfolk Car Insurance Rates

Nobody cherishes buying car insurance, especially knowing their premiums are too high. With so many choices of insurance companies, it can be diffult for consumers to pick the best insurer.

Compare Norfolk Car Insurance Costs

Getting a lower price on insurance can be relatively painless. You just need to take time comparing price quotes from different insurance companies. It is quite easy and can be accomplished in several different ways.

  • The recommended way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This method keeps you from doing multiple quote forms for every car insurance company. Filling out one form will return quotes direct from many companies.
  • Another way to get quotes online requires a trip to the website for each individual company and fill out their own quote form. For instance, we’ll pretend you want to compare rates from Auto-Owners, Safeco and Allstate. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.

    For a list of links to insurance companies in Norfolk, click here.

  • The least efficient way of comparing rate quotes to and from local insurance agencies. The internet has reduced the need for local agents unless you require the trained guidance that only a license agent can provide. However, consumers can find lower rates online but buy from a local insurance agent and you’ll learn how to do that later.

Whichever way you use, compare apples-to-apples information for each price quote. If you have unequal deductibles or liability limits you can’t possibly find the best deal in Norfolk.

Do you really save 40% when you switch?

Consumers get pounded daily by advertisements for car insurance savings from the likes of State Farm, GEICO and Progressive. All the companies say the same thing about savings if you change your coverage to them.

How does each company make the same claim?

All companies are able to cherry pick for the driver that makes them money. For instance, a desirable insured might be between the ages of 40 and 55, owns a home, and has a high credit rating. Any driver who meets those qualifications will get the preferred rates and is almost guaranteed to save a lot of money.

Consumers who don’t measure up to the “perfect” profile must pay higher prices which usually ends up with the customer not buying. Company advertisements say “customers who switch” not “people who quote” save that much money. That is how insurance companies can make the claims of big savings. This illustrates why drivers should get a wide range of price quotes. It’s just too difficult to predict which car insurance company will have the lowest rates.

Be sure to get all your discounts

Companies don’t always publicize every available discount in an easy-to-find place, so we researched some of the best known and the more hidden savings tricks you should be using. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Save with a New Car – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • No Claims – Claim-free drivers pay much less when compared with drivers who are more careless.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less than their less cautious counterparts.
  • Drivers Education – Require your teen driver to take driver’s ed class in school.
  • Multiple Vehicles – Having multiple vehicles on one policy may reduce the rate for each vehicle.

It’s important to note that most credits do not apply to all coverage premiums. Most cut 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, companies don’t profit that way.

To see a list of insurance companies who offer car insurance discounts in Nebraska, click here.Car insurance in Norfolk NE

Are insurance agents a thing of the past?

A small number of people just want to buy from a local agent and that is a personal choice. Insurance agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing insurance prices online is you can get lower rates but also keep your business local.

By using this form (opens in new window), your insurance coverage information is instantly submitted to insurance agents in Norfolk who will give you bids for your business. You won’t need to leave your computer as quotes are delivered directly to your email. Now that’s easy!

Selecting an insurer shouldn’t rely on just a cheap price. Agents should be asked these questions:

  • Is their price quote a firm figure or are their hidden costs?
  • Does the company allow you to choose your own collision repair facility?
  • Which insurance companies are they affiliated with?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • If they are an independent agency, which companies do they recommend?
  • How much can you save by raising your physical damage deductibles?
  • How are they compensated?

Types of car insurance agents in Norfolk

If you’re trying to find a reputable insurance agent or broker, there are two different agency structures that differ in how they can insure your vehicles. Insurance agencies in Norfolk can either be independent (non-captive) or captive. Both write coverage properly, but it’s worth learning how they are different because it can influence the type of agent you choose

Agency Captives

This type of agents are contracted to one company and some examples include State Farm, AAA and Liberty Mutual. Captives cannot place coverage with different providers so it’s a take it or leave it situation. They are usually quite knowledgeable in insurance sales which helps them compete with independent agents.

Below are Norfolk captive agents willing to provide price quote information.

Farmers Insurance Group – 805 S 13th St # A – Norfolk, NE 68701 – (402) 371-4050
Farm Bureau Insurance – 214 N 7th St # 1a – Norfolk, NE 68701 – (402) 379-3237
Shelter Insurance – 704 W Benjamin Ave – Norfolk, NE 68701 – (402) 379-0662
American Family Insurance – 509 W Norfolk Ave – Norfolk, NE 68701 – (402) 371-8420
State Farm Insurance – 210 S 3rd St – Norfolk, NE 68701 – (402) 379-1668
Allstate Insurance Co – 215 Madison Ave – Norfolk, NE 68701 – (402) 371-9566

Independent Agents

These agents are not employed by any specific company so they can insure your vehicles with any number of different companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency. When searching for an agent, we recommend you get quotes from multiple independent agents to have the most options to choose from.

Below are Norfolk independent insurance agents who can help you get rate quotes.

New Century Agency – 811 W Norfolk Ave – Norfolk, NE 68701 – (402) 371-3800
Evert’s Insurance Inc – 201 E Omaha Ave – Norfolk, NE 68701 – (402) 379-5827
New Century Agency – 811 Norfolk Ave – Norfolk, NE 68701 – (402) 371-3800
Farm Bureau Insurance – 214 N 7th St # 1a – Norfolk, NE 68701 – (402) 379-3237

To view a full list of Norfolk insurance agents, please go to this site.

Norfolk NE insurance ad

Upon receiving reasonable responses as well as a affordable price, you have narrowed it down to a car insurance agent that is a good match to provide car insurance coverage.

Your personal situation dictates your coverage

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For example, these questions can help discover if your situation would benefit from professional advice.

  • Am I covered if I crash into my own garage door?
  • Can I drive in Mexico and have coverage?
  • Should I put collision coverage on all my vehicles?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered if I drive in a foreign country?
  • Who is covered when they drive my vehicle?
  • How do I file an SR-22 for a DUI in Nebraska?
  • Do I need motorclub coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

More tips and info about car insurance can be found at the Nebraska Department of Insurance website. Visitors are able to report car insurance fraud, view a list of available companies, find disaster information, and learn about specific coverages.

Additional helpful sites include this site for Nebraska car insurance information and this link which helps you find a Norfolk agent.

Affordable insurance is out there

While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at an affordable rate while still protecting your assets.

We’ve covered a lot of techniques to shop for car insurance online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on car insurance is with some of the lesser-known companies. Some small companies may have significantly lower rates on certain market segments than their larger competitors like Progressive and GEICO.