Amazingly, a recent NerdWallet.com study showed that most drivers in Nebraska have purchased from the same company for over three years, and nearly the majority have never compared rates with other companies. Most drivers in the U.S. could save an average of about $850 each year by just shopping around, but they assume it’s a waste of time to compare rates online.
If you want to save the most money, the best way to get the cheapest car insurance rates in Lincoln is to compare prices once a year from companies in Nebraska. You can compare prices by following these guidelines.
- Step 1: Read about car insurance and the things you can control to prevent high rates. Many factors that are responsible for high rates such as traffic violations, accidents, and poor credit history can be eliminated by making minor changes to your lifestyle. Later in this article we will cover additional ideas to get lower rates and earn larger discounts.
- Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from one company like Progressive or Allstate, while independent agencies can give you price quotes from multiple insurance companies.
- Step 3: Compare the price quotes to your current policy premium to see if switching to a new carrier will save money. If you find a lower rate and decide to switch, verify that coverage does not lapse between policies.
- Step 4: Give proper notification to your current agent or company of your intention to cancel your current policy and submit any necessary down payment along with the completed application for the new policy. As soon as you have the new policy, place your new certificate verifying proof of insurance along with the vehicle’s registration papers.
A good tip to remember is to compare the same coverage limits and deductibles on each quote and and to get price quotes from as many different insurance providers as possible. This provides a fair rate comparison and a complete rate analysis.
The Dodge Neon Insurance Rate Equation
Many factors are used in the calculation when pricing auto insurance. Some factors are common sense such as your driving record, although others are less obvious such as your credit history or your vehicle rating. It’s important that you understand the factors that help calculate the price you pay for car insurance. If you know what controls the rates you pay, this enables informed choices that will entitle you to much lower annual insurance costs.
- Deter theft and save money – Choosing a vehicle with advanced anti-theft systems can get you a discount on your car insurance. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft and help lower rates.
- Rates may be higher where you live – Living in a small town can save you money when buying car insurance. Fewer drivers and short commutes means fewer accidents as well as less vandalism and auto theft. Residents of big cities regularly have traffic congestion and longer commute times. Higher commute times statistically corresponds to a higher accident and claim rate.
- Rental and towing coverage may not be needed – Policies have extra coverages that may not really be needed if you don’t pay attention. Coverages like coverage for rental cars, death and dismemberment, and extra equipment coverage could be just wasting money. They may sound like good ideas when you first buy your policy, but your money might be better spent on other coverage so remove them and pocket the money.
- Too many car insurance claims and you’ll pay more – If you file claims often, you can definitely plan on higher premiums or even policy non-renewal. Car insurance companies in Nebraska generally give the lowest premiums to drivers who are not frequent claim filers. Your car insurance is intended for major claims that would cause financial hardship.
- Credit history impacts premium rates – Your credit history is a big factor in calculating your premium rate. Insureds with good credit tend to be more responsible and file fewer claims than drivers with worse credit. Therefore, if your credit rating can be improved, you could save money insuring your Dodge Neon by improving your rating.
- Accidents are costly – Your driving citation history impacts premiums far more than you think. Even a single moving violation can bump up the cost twenty percent or more. Careful drivers receive lower rates than bad drivers. People who have severe violations such as hit and run, DWI or reckless driving convictions might be required by their state to complete a SR-22 with their state DMV in order to prevent a license revocation.
All the larger auto insurance companies allow you to get coverage prices from their websites. Comparing prices online for Dodge Neon insurance in Lincoln is easy for anyone as you simply enter your required coverages as detailed in the form. Once entered, their system pulls information on your driving record and credit history and generates pricing information.
The ability to get online rate quotes for Dodge Neon insurance in Lincoln streamlines rate comparisons, and it’s necessary to get many rate quotes if you are searching for cheap auto insurance pricing.
To quickly compare rates now, check out the auto insurance providers below. If you have coverage now, it’s recommended that you enter the coverages as shown on your current policy. This way, you are getting a rate comparison using the exact same coverages.
The auto insurance companies shown below can provide free quotes in Lincoln, NE. If you want to find the best cheap auto insurance in Lincoln, it’s a good idea that you get price quotes from several of them to get the cheapest price.
Car insurance in Nebraska serves several purposes
Despite the fact that car insurance is not cheap in Lincoln, paying for car insurance is not optional due to several reasons.
- Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability if you drive a vehicle. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your Neon, it’s guaranteed your bank will require that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the lender may insure your Dodge at a more expensive rate and force you to pay the higher price.
- Insurance protects both your car and your assets. Insurance will also pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of carrying adequate insurance more than offset the price you pay, particularly when you have a large claim. Unknowingly, the average driver is overpaying more than $810 a year so shop around at every policy renewal to make sure the price is not too high.
Take policy discounts and save on Dodge Neon insurance in Lincoln
Auto insurance companies do not list all discounts in a way that’s easy to find, so we took the time to find both well-publicized and the more hidden credits that may apply to you. If you’re not getting every credit possible, you may be paying too high a price.
- Theft Deterrent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems help deter theft and will qualify for a discount on a Lincoln car insurance quote.
- Service Members Pay Less – Being deployed in the military could be rewarded with lower auto insurance rates.
- No Claim Discounts – Claim-free drivers are rewarded with significantly better rates on Lincoln car insurance quote as opposed to bad drivers.
- Drivers Education – Require your teen driver to enroll and complete driver’s education as it can save substantially.
- Early Signing – Some companies give discounts for buying a policy before your current Neon insurance policy expires. You can save around 10% with this discount.
- Bundle and Save – If you combine your auto and home policies with the same insurance company you will save over 10 percent off each policy depending on the company.
- Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
- Low Mileage – Fewer annual miles on your Dodge can earn slightly better rates than normal.
Discounts save money, but please remember that most credits do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like you can get free auto insurance, companies don’t profit that way.
Companies and some of the premium reductions they offer can be read below.
- Farmers Insurance includes discounts for alternative fuel, homeowner, electronic funds transfer, teen driver, and good student.
- Esurance may include discounts for anti-lock brakes, Pac-12 alumni, good student, online quote, good driver, Switch & Save, and claim free.
- State Farm discounts include good student, multiple autos, multiple policy, anti-theft, and accident-free.
- GEICO has discounts for anti-theft, multi-vehicle, daytime running lights, defensive driver, air bags, and seat belt use.
- Allstate may offer discounts for utility vehicle, good payer, anti-theft, premier plus, EZ pay plan discount, and 55 and retired.
Before you buy a policy, ask all the companies which discounts you may be entitled to. Some of the earlier mentioned discounts may not be available everywhere.
When do I need to get advice from an agent?
A small number of people just prefer to have an agent’s advice and there is nothing wrong with that. One of the great benefits of comparing rate quotes online is you can get cheap auto insurance rates and still have an agent to talk to.
By using this simple form, the coverage information is immediately sent to companies in Lincoln who can give free rate quotes and help you find cheaper coverage. It’s much easier because you don’t need to leave your house since rate quotes are delivered directly to your email. You can find lower rates and an insurance agent to talk to. If you have a need to compare rates from a specific auto insurance provider, don’t hesitate to find their quoting web page to submit a rate quote request.
Selecting an insurance company is decision based upon more than just the bottom line cost. Before buying a policy in Lincoln, get answers to these questions.
- Do they write coverage based solely on cost?
- Are claims handled at the agent’s location?
- Do you work with a CSR or direct with the agent?
- How long has their agency been in business in Lincoln?
- Do they receive special compensation for putting your coverage with one company over another?
- How many companies do they write for?
- Do the agents have professional certifications like CPCU or CIC?
- Will they give you a referral list?
When finding a local Lincoln insurance agent, you must know there are a couple types of agencies from which to choose. Lincoln agents are categorized either independent (non-exclusive) or exclusive.
Exclusive Insurance Agents
Exclusive insurance agents can only place business with one company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agencies are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums. Some insured continue to buy from exclusive agents partially due to the brand legacy rather than low price.
Below is a list of exclusive agents in Lincoln that can give you comparison quotes.
- State Farm: Vinnie Krikac
935 Plum St – Lincoln, NE 68502 – (402) 474-1173 – View Map
- American Family Insurance – Linde Matthiesen
245 S 84th St #117 – Lincoln, NE 68510 – (402) 489-7799 – View Map
- State Farm® insurance – Dean R Hoy
3883 Normal Blvd – Lincoln, NE 68506 – (402) 489-7171 – View Map
Independent Insurance Agents
Independent insurance agents are not restricted to one company and that enables them to quote your coverage with multiple insurance companies and find you cheaper rates. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent. If you are comparing auto insurance prices, you will want to get several quotes from independent agents to get the most accurate price comparison. A lot of them also have access to mutual insurance companies who may have lower rates.
Listed below are independent insurance agents in Lincoln that are able to give rate quotes.
- Brokers Insurance
3325 A St – Lincoln, NE 68510 – (402) 434-0480 – View Map
- MIAA – Midwest Insurance Agency Alliance
6120 Havelock Ave – Lincoln, NE 68507 – (402) 467-5355 – View Map
- Davidson Insurance Agency, Inc
5604 South 48th St #6 – Lincoln, NE 68516 – (800) 249-1443 – View Map
Ratings for Lincoln car insurance companies
Choosing a good quality auto insurance provider is hard considering how many different insurance companies sell coverage in Nebraska. The rank data below can help you choose which coverage providers to look at shopping your coverage with.
Top 10 Lincoln Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Nationwide – A+
- Esurance – A+
- The Hartford – A+
- Progressive – A+
- Allstate – A+
- The General – A-
Top 10 Lincoln Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- The Hartford – 87%
- Progressive – 87%
- AAA Insurance – 87%
- Farmers Insurance – 87%
- Liberty Mutual – 87%
How much auto insurance do I need?
When choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Your situation is unique so your insurance needs to address that.
These are some specific questions can aid in determining if you may require specific advice.
- When does my teenage driver need to be added to my policy?
- Do I need medical payments coverage since I have good health insurance?
- Will my Dodge Neon be repaired with OEM or aftermarket parts?
- Do I need replacement cost coverage?
- Should I rate my vehicle as business use?
- Do I have coverage when making deliveries for my home business?
- Should I have a commercial auto policy?
- What is glass protection for?
- Should I buy only the required Nebraska minimum liability coverage?
If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier
Car insurance savings summarized
Lower-priced car insurance in Lincoln can be sourced from both online companies as well as from independent agents in Lincoln, so you need to shop Lincoln car insurance with both to have the best rate selection. Some insurance providers may not have rates over the internet and many times these regional insurance providers only sell through local independent agents.
In this article, we covered some good ideas how to compare Dodge Neon insurance auto insurance rates in Lincoln. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your premium rates. You may even find the most savings is with some of the lesser-known companies. Some small companies often have lower premium rates on specific markets than the large multi-state companies such as State Farm and Allstate.
- Speed and Speed Limit FAQ (iihs.org)
- How Much are Auto Insurance Quotes for a Nissan Versa in Lincoln? (FAQ)
- How Much is Auto Insurance for a Honda Civic in Lincoln? (FAQ)
- Who Has Cheap Auto Insurance Rates for Homeowners in Lincoln? (FAQ)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Anti-Lock Brake FAQ (iihs.org)
- Rental Reimbursement Coverage (Allstate)