I can’t think of a single person who looks forward to paying premiums for car insurance, especially when they know they are paying too much.
It’s easy to assume that car insurance companies don’t want their policyholders to compare prices. Drivers who compare other rates are inclined to switch to a new company because there is a good probability of finding a lower-priced company. A recent car insurance study revealed that consumers who routinely shopped around saved approximately $865 annually compared to those who never compared rates.
If saving the most money on auto insurance is the reason you’re here, then knowing how to compare insurance premiums can help simplify the process. Companies like State Farm, Progressive and GEICO continually bombard you with fancy advertisements and it can be hard to see through the deception and do the work needed to find the best deal.
Affordable car insurance in Lincoln, NE
The companies in the list below provide price comparisons in Nebraska. If you wish to find cheap car insurance in Nebraska, it’s highly recommended you compare several of them to get the lowest price.
Statistics and details
The premium table shown below outlines a range of coverage prices for Scion xD models. Having a better idea how policy premiums are determined can help customers make informed coverage decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|XD 4-Dr Hatchback||$138||$302||$404||$24||$122||$990||$83|
|Get Your Own Custom Quote Go|
Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rates do not factor in vehicle location which can decrease or increase insurance rates substantially.
Bad driving habits will cost you more
The diagram below illustrates how violations and fender-benders can impact Scion xD car insurance costs for different age groups of insureds. The data assumes a married female driver, comp and collision included, $250 deductibles, and no discounts are factored in.
Lower-cost Lincoln auto insurance rates with discounts
The price of auto insurance can be rather high, but there could be significant discounts to help offset the cost. Some of these discounts will be visible when you complete an application, but a few must be specifically requested in order for you to get them. If you do not double check each discount you deserve, you are throwing money away.
- Multi-line Discount – Larger insurance companies have a discount if you purchase life insurance.
- Onboard Data Collection – Lincoln drivers who agree to allow driving data submission to look at driving patterns by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction as long as the data is positive.
- Military Discounts – Having an actively deployed family member can result in better rates.
- Early Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
- Defensive Driver – Taking time to complete a course that instructs on driving safety could earn you a small percentage discount and easily recoup the cost of the course.
- E-sign – A handful of companies provide a small discount just for signing your application on the web.
- ABS Brakes – Cars with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.
- Smart Student Discounts – Maintaining excellent grades can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
Policy discounts save money, but most of the big mark downs will not be given to the overall cost of the policy. Some only reduce individual premiums such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky.
The information below illustrates the comparison of Scion xD annual premium costs with and without discounts applied to the policy rates. The rates are based on a female driver, no driving violations, no at-fault accidents, Nebraska state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, marriage, and multi-car discounts applied.
To choose companies that offer discounts in Nebraska, click this link.
Do I need special coverages?
When quoting and choosing proper insurance coverage, there really is no best way to insure your cars. Each situation is unique.
These are some specific questions might point out whether you might need professional guidance.
- What policy terms are available?
- Is my teenager covered with friends in the car?
- I have health insurance so do I need medical payments coverage?
- Do I have coverage when pulling a U-Haul trailer?
- How do I buy GAP insurance?
- Are my friends covered when driving my car?
- At what point should I drop full coverage?
If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.
Neighborhood agents and car insurance
A small number of people still like to go talk to an agent and there is nothing wrong with that. Most agents are highly skilled in risk management and help you file claims. The biggest benefit of comparing rates online is the fact that you can find cheaper prices and still choose a local agent. And buying from local agents is especially important in Lincoln.
To make it easy to find an agent, after completing this short form, the coverage information is submitted to local insurance agents who will give competitive quotes for your car insurance coverage. There is no reason to find an agent since rate quotes are delivered to your email. If you need to compare prices from a specific insurance company, you can always visit that company’s website and fill out the quote form the provide.
If you want to use a local agent, you must know there are a couple types of insurance agents and how they work. Car insurance agents in Lincoln can be categorized as either independent (non-exclusive) or exclusive. Both can provide car insurance policies, but it’s important to point out why they differ because it may have an impact on your agent selection.
Independent Car Insurance Agents (or Brokers)
These type of agents do not write with just one company and that is an advantage because they can write policies with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies which requires no work on your part. When comparing rates, we recommend you compare quotes from at a minimum one independent agency for maximum quote selection.
Below is a small list of independent insurance agencies in Lincoln that can give you rate quotes.
Exclusive Insurance Agents
Exclusive agencies have only one company to place business with and some examples include State Farm, AAA, and Liberty Mutual. These agents are not able to shop your coverage around so they have no alternatives for high prices. Exclusive agencies are highly trained on what they offer which helps them compete with independent agents.
Listed below is a short list of exclusive insurance agencies in Lincoln willing to provide rate quotes.
Choosing an insurance agent requires more thought than just a cheap quote. Any good agent in Lincoln should know the answers to these questions.
- Do they get paid more for recommending certain coverages?
- Who are their largest clients?
- Is auto insurance their primary focus in Lincoln?
- Will the agent or a CSR service your policy?
- Does the agency support the community they serve?
- Does the company allow you to choose your own collision repair facility?
- If your car is in the repair shop, do you have coverage for a rental car?
- Is there a Errors and Omissions policy in force?
Once you have answers to your satisfaction to any questions you may have and an acceptable price quote, you have narrowed it down to an insurance agency that can be relied on to properly insure your vehicles.
Parts of your car insurance policy
Having a good grasp of your car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.
Comprehensive coverage – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as a broken windshield, fire damage and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Auto liability insurance – Liability coverage protects you from damages or injuries you inflict on other people or property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.
Liability insurance covers claims like court costs, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford. Nebraska requires drivers to carry at least 25/50/25 but you should consider buying higher limits.
The next chart shows why minimum state limits may not be adequate.
Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits (25/50/25 in Nebraska), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Collision coverage – Collision coverage covers damage to your xD caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as hitting a mailbox, colliding with another moving vehicle, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible on your xD to get cheaper collision coverage.
Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for expenses for things like prosthetic devices, EMT expenses, rehabilitation expenses and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible
Persistence is the key to cheaper rates
In this article, we presented a lot of tips how to compare Scion xD insurance prices in Lincoln. The most important thing to understand is the more price quotes you have, the better your comparison will be. Drivers may even discover the lowest priced insurance comes from an unexpected company.
Affordable Scion xD insurance in Lincoln is possible both online and from local insurance agents, so get free Lincoln auto insurance quotes from both of them to get a complete price analysis. Some insurance providers may not offer rates over the internet and most of the time these regional carriers only sell through independent insurance agents.
Consumers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, policy non-renewal, policy cancellation and even delays in paying claims. No matter why you want to switch, switching insurance companies is pretty easy and you might even save some money in the process.
How to find lower priced Scion xD insurance in Lincoln
If you want to save money, the best way to get budget Scion xD insurance in Lincoln is to make a habit of regularly comparing prices from providers who can sell car insurance in Nebraska. You can compare prices by following these guidelines.
First, spend some time learning about individual coverages and the changes you can make to keep rates low. Many factors that increase rates such as distracted driving and a not-so-good credit history can be amended by paying attention to minor details.
Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes for a wide range of companies.
Third, compare the new quotes to your existing policy to determine if you can save on xD insurance. If you find better rates and decide to switch, make sure there is no coverage gap between policies.
One key aspect when comparing rates is to try to use similar limits and deductibles on each quote request and to quote with as many companies as possible. This guarantees the most accurate price comparison and a complete selection of prices.
More tips and info about insurance can be read in the articles below:
- Five Mistakes to Avoid (Insurance Information Institute)
- Who Has Affordable Lincoln Car Insurance Quotes for Teenagers? (FAQ)
- What Insurance is Cheapest for Drivers Over Age 60 in Lincoln? (FAQ)
- Who Has Affordable Car Insurance Quotes for Drivers Over Age 70 in Lincoln? (FAQ)
- Who Has Affordable Auto Insurance for a Toyota Corolla in Lincoln? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)