Shocking but true, a large majority of drivers have been with the same company for four years or more, and nearly 40% of drivers have never quoted rates to find affordable coverage. With the average insurance premium being $1,440, Nebraska drivers could save 30% every year just by getting comparison quotes, but they just feel it’s too hard to find affordable insurance by shopping around.
Truthfully, the best way to get discount auto insurance rates is to do an annual price comparison from insurance carriers who sell auto insurance in Lincoln.
Step 1: Take a few minutes and learn about how car insurance works and the measures you can take to prevent expensive coverage. Many rating criteria that cause rate increases like inattentive driving and an unfavorable credit rating can be improved by paying attention to minor details. Later in this article we will cover additional tips to help reduce prices and find hidden discounts.
Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like GEICO and State Farm, while agents who are independent can provide price quotes from multiple sources.
Step 3: Compare the new rate quotes to your existing rates to see if a cheaper rate is available. If you find a better price, ensure there is no coverage lapse between policies.
The key aspect of shopping around is to try to use the same liability limits and deductibles on every price quote and and to analyze as many companies as possible. Doing this guarantees a level playing field and a complete price analysis.
First Step: Get free Mitsubishi i-MiEV insurance quotes
When price shopping your coverage, more quotes increases your odds of finding the best price.
The auto insurance companies shown below offer price comparisons in Nebraska. To buy the best cheap car insurance in Lincoln, it’s highly recommended you get price quotes from several of them to get the best price comparison.
Auto insurance is available from your local insurance agencies
Some people would rather visit with an insurance agent and that is a smart decision An additional benefit of getting free rate quotes online is that drivers can save money and get cheap rate quotes and still choose a local agent. Buying from and supporting neighborhood agents is important particularly in Lincoln.
By using this form (opens in new window), your insurance coverage information is instantly submitted to participating agents in Lincoln who will give you quotes for your insurance coverage. You won’t even need to search for an agent as quotes are delivered to you instantly. You can find lower rates and work with a local agent. If you need to get a price quote from a specific auto insurance provider, don’t hesitate to search and find their rate quote page to submit a rate quote request.
If you are searching for a local agent, it’s helpful to know the different types of agents that differ in how they can insure your vehicles. Auto insurance agencies are either independent (non-exclusive) or exclusive.
Independent Auto Insurance Agents (or Brokers)
These agents are not limited to a single company and that gives them the ability to insure with any number of different companies enabling the ability to shop coverage around. If prices rise, they simply switch companies in-house which requires no work on your part. If you are comparing rate quotes, it’s a good idea to contact a few independent agents so that you can do a thorough price comparison. A lot of them also have access to mutual insurance companies which may provide better rates.
Listed below is a small list of independent agencies in Lincoln that can give you free price quotes.
- UNICO Group
1128 Lincoln Mall #200 – Lincoln, NE 68508 – (402) 434-7200 – View Map
- Cornhusker Insurance Agency
6100 Apples Way #110 – Lincoln, NE 68516 – (402) 436-2423 – View Map
- Barney Insurance-Lincoln
701 N 48th St – Lincoln, NE 68504 – (402) 467-4633 – View Map
Exclusive Insurance Agencies
These type of agents are contracted to one company and some examples include Farmers Insurance or State Farm. These agents are not able to provide other company’s prices so they have to upsell other benefits. Exclusive insurance agents are usually quite knowledgeable on the products they sell and that enables them to sell even at higher rates. Consumers sometimes purchase coverage from exclusives mainly due to the brand rather than having the cheapest rates.
Shown below is a list of exclusive agencies in Lincoln who can help you get comparison quotes.
- State Farm® insurance – Dean R Hoy
3883 Normal Blvd – Lincoln, NE 68506 – (402) 489-7171 – View Map
- Allstate Insurance: Darryl Moore
7111 A St #103 – Lincoln, NE 68510 – (402) 413-7111 – View Map
- Farmers Insurance
916 N 70th St – Lincoln, NE 68505 – (402) 488-5277 – View Map
Finding the right car insurance agent requires more thought than just the price. Ask your prospective agent these questions:
- How will an accident affect your rates?
- Does the quote include credit and driving reports?
- Is the coverage adequate for your vehicle?
- How is replacement cost determined on your vehicle?
- Will a damage claim use OEM or aftermarket replacement parts?
Ratings for Nebraska car insurance companies
Selecting a good quality insurance company can be rather challenging considering how many companies there are in Lincoln. The information shown below may help you decide which auto insurers you want to consider comparing prices from.
Top 10 Lincoln Car Insurance Companies Ranked by Customer Service
- State Farm
- Safeco Insurance
- American Family
- Liberty Mutual
- The Hartford
- Farmers Insurance
Top 10 Lincoln Car Insurance Companies Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- The General