It goes without saying that auto insurance companies don’t want their policyholders to compare prices. People who shop around for the cheapest rate are highly likely to switch insurance companies because there is a great chance of finding a cheaper policy. A survey found that drivers who compared prices once a year saved over $3,400 over four years as compared to drivers who never shopped around.
If finding budget-friendly Toyota Avalon insurance in Lincoln is your target objective, learning how to find companies and compare insurance coverage can help simplify the process.
If you want to find the absolute lowest rates, then the best way to get cheaper car insurance rates is to compare prices at least once a year from insurance carriers who provide car insurance in Lincoln.
First, get an understanding of the different coverages in a policy and the steps you can take to prevent rate increases. Many factors that cause high rates like accidents, careless driving, and an imperfect credit rating can be eliminated by making minor changes to your lifestyle.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO or Farmers Insurance, while independent agents can provide rate quotes from multiple insurance companies. View prices
Third, compare the price quotes to your existing rates and determine if there is any savings. If you can save some money and change companies, make sure there is no coverage gap between policies.
Fourth, provide notification to your current company of your intention to cancel your current auto insurance policy. Submit a signed application and payment for the new coverage. Make sure you store the certificate verifying proof of insurance with the vehicle registration.
One piece of advice is that you use the same amount of coverage on every price quote and and to get rates from as many companies as you can. This guarantees a fair rate comparison and a thorough selection of prices.
Take advantage of these money saving discounts
Companies do not list all available discounts in a way that’s easy to find, so the following list contains both the well known and also the lesser-known discounts that you may qualify for. If you aren’t receiving every discount available, you are just wasting money.
- Auto/Home Discount – If you combine your auto and home policies with the same company you could save 10% to 20% off each policy.
- Accident Waiver – Not a discount per se, but a few companies such as GEICO and Allstate may permit one accident without raising rates if you have no claims for a set time period.
- Theft Deterrent Discount – Cars equipped with anti-theft or alarm systems are stolen less frequently and can earn a small discount on your policy.
- Low Miles Discount – Keeping the miles down on your Toyota can qualify you for lower auto insurance rates due to less chance of an accident.
- Early Switch Discount – Some auto insurance companies reward drivers for buying a new policy early. You can save around 10% with this discount.
- Driver’s Ed – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school or through a local driver safety program.
- Safety Restraint Discount – Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- Data Collection Discounts – Policyholders that allow data collection to study driving habits by using a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates as long as the data is positive.
You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way.
The illustration below illustrates the comparison of Toyota Avalon car insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a male driver, no claims or driving violations, Nebraska state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, safe-driver, multi-policy, and claim-free discounts applied.
For a list of insurance companies who offer auto insurance discounts in Nebraska, click this link.
Getting low cost insurance pricing is surprisingly easy. The only requirement is to spend a few minutes on the computer comparing price quotes from different insurance companies.
Getting free rate quotes online is quite simple, and it takes the place of having to go to each insurance agency near you. Doing it all online has reduced the need for local agents unless you have a need for the professional assistance of a local agency. If you prefer, some companies allow you to comparison shop online but still have the advice of a local agent.
The auto insurance companies shown below can provide free quotes in Lincoln, NE. If multiple companies are listed, we suggest you get rates from several of them to get the best price comparison.
Rates and information analytics
The coverage information displayed below highlights estimates of insurance prices for Toyota Avalon models. Having a better understanding of how insurance premiums are calculated can help you make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $224 | $382 | $288 | $18 | $86 | $998 | $83 |
| Avalon XLS | $224 | $450 | $288 | $18 | $86 | $1,066 | $89 |
| Avalon Limited | $250 | $450 | $288 | $18 | $86 | $1,092 | $91 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rate information does not factor in vehicle location which can impact premiums considerably.
Rate increases following a ticket or accident
The chart below highlights how traffic violations and accident claims increase Toyota Avalon insurance prices for different age groups of insureds. The costs are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
Situations that may require an agent’s advice
When quoting and choosing adequate coverage for your vehicles, there is no best way to insure your cars. Your financial needs are unique so this has to be addressed.
For instance, these questions may help you determine whether or not you might need professional guidance.
- What can I do if my company denied a claim?
- Do I benefit by insuring my home with the same company?
- Do I need to call my car insurance company before buying a new car?
- Where can I find DUI or SR-22 insurance?
- Is my business laptop covered if it gets stolen from my vehicle?
- Am I covered if I back into my garage door?
- Does my Toyota Avalon qualify for pleasure use?
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.
Insurance agent or online?
Some people prefer to get professional advice from a licensed agent and there is nothing wrong with that. Insurance agents are highly skilled in risk management and give you someone to call. One of the benefits of comparing rate quotes online is you may find cheap auto insurance quotes and still choose a local agent.
To make it easy to find an agent, after completing this short form, your insurance data is transmitted to local insurance agents who will gladly provide quotes for your business. There is no reason to leave your computer as quotes are delivered straight to your inbox. In the event you want to get a rate quote from a specific company, don’t hesitate to jump over to their website and give them your coverage information.
Choosing an insurer is decision based upon more than just a low price. These are some questions your agent should answer.
- If independent agents, which companies do they recommend?
- Which family members are covered?
- Do they see any coverage gaps in your plan?
- Can they provide you with a list of referrals?
- Do they get extra compensation for selling add-on coverages?
The following is a short list of car insurance companies in Lincoln willing to provide rate quotes for Toyota Avalon insurance in Lincoln.
Sarah Kohlhof – State Farm Insurance Agent
1221 N Cotner Blvd #2 – Lincoln, NE 68505 – (402) 466-8245 – View Map
Independent Insurance Agents
8231 Northwoods Dr # B – Lincoln, NE 68505 – (402) 476-2951 – View Map
Davidson Insurance
5101 N 27th St – Lincoln, NE 68521 – (402) 465-1167 – View Map
Shelter Insurance – Richard Diers
4242 Cornhusker Hwy – Lincoln, NE 68504 – (402) 464-9511 – View Map
Lincoln auto insurance companies ranked
Insuring your vehicle with a highly-rated company can be rather challenging considering how many companies provide coverage in Lincoln. The company information in the lists below may help you pick which car insurance companies to look at to insure your vehicles.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
What is YOUR best insurance company?
In this article, we covered many tips how you can compare Toyota Avalon insurance premium rates in Lincoln. The key concept to understand is the more times you quote, the better likelihood of getting affordable Lincoln car insurance quotes. Consumers could even find that the best price on insurance is with the smaller companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.
When shopping online for insurance, don’t be tempted to reduce coverage to reduce premium. There are too many instances where drivers have reduced liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage at a price you can afford.
For more information, link through to the following helpful articles:
- Neck Injury FAQ (iihs.org)
- Who Has the Cheapest Car Insurance Rates for Police Officers in Lincoln? (FAQ)
- Who Has Affordable Lincoln Auto Insurance for a Toyota RAV4? (FAQ)
- What Auto Insurance is Cheapest for a Subaru Outback in Lincoln? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes with Multiple Speeding Tickets in Lincoln? (FAQ)
- Insuring a Leased Car (Insurance Information Institute)
- Auto Insurance 101 (About.com)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)