The words “economical” and “auto insurance” really shouldn’t be used in the same sentence, especially when comparison shopping for the lowest insurance prices for handicapped drivers. To save some money, let’s introduce you to a few of the things the can have a considerable influence on car insurance premiums, and figure out some ideas to take the bite out of the next policy you buy.
One of the many components that determine the amount you pay for auto insurance is your zip code in Lincoln. Cities with more crime and/or more people will most likely have higher rates, whereas areas with less crime or weather claims benefit from lower coverage costs.
The following table sorts the priciest cities in Nebraska for handicapped drivers to purchase auto insurance in. Lincoln is ranked #24 with the yearly price of $1,095 for the average policyholder, which is approximately $91 each month.
|6||South Sioux City||$1,303|
|Find Cheaper Rates Go|
Premium costs are approximated as the garaging address in Lincoln can increase or decrease coverage prices greatly.
Deciding which company offers the cheapest auto insurance rates for handicapped drivers may require a bit more effort in order to find the most economical policy. Each company has a unique approach to determine rates, so we will examine the auto insurance companies that tend to be cheaper in Nebraska.
It’s important to understand that Lincoln, NE auto insurance rates are based on many factors that may substantially change the price you pay for coverage. Simply turning a year older, filing a claim, or getting a speeding ticket can trigger price changes that can make some companies more affordable than competitors.
Lowest Insurance Price Quotes in Nebraska
|Rank||Company||Cost Per Year|
|5||Farmers Mutual of Nebraska||$979|
|6||Farm Bureau Mutual||$1,020|
|Get Personalized Rates Go|
Safeco normally has some of the cheapest car insurance rates in Lincoln at around $780 annually. This is $536 less than the average premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska would also be considered some of the best Lincoln, NE car insurance companies.
As depicted above, if you buy coverage from Allied and switched to Safeco, you might achieve an annual premium reduction of roughly $169. Customers with Farmers Mutual of Nebraska may save as much as $199 a year, and Farm Bureau Mutual insureds might reduce prices by as much as $240 a year.
To see if your current coverage is too expensive, click here to start your free quote or feel free to get quotes from the companies below.
These policy prices are averages across all types of insureds and vehicles and and are not calculated with an exact location for handicapped drivers. So the insurer that fits your situation best may not even be in the top 24 companies shown above. That affirms the importance of why you need to compare rates from multiple companies using your own specific driver information and vehicle.
How to get discounts on Lincoln car insurance rates
Insurance providers that provide coverage for handicapped drivers may have special discounts that can lower rates by 30% or more if you meet specific criteria. Large auto insurance companies and the discounts they provide include:
- Farm Bureau offers discounts including multi-policy, 55 and retired, multi-vehicle, renewal discount, and good student.
- MetLife may include discounts for good driver, multi-policy, accident-free, claim-free, and defensive driver.
- Progressive may offer discounts for online signing, multi-vehicle, continuous coverage, online quote discount, homeowner, and good student.
- AAA offers premium reductions for good student, good driver, multi-car, AAA membership discount, anti-theft, pay-in-full, and education and occupation.
- American Family discounts include good driver, mySafetyValet, early bird, multi-vehicle, air bags, bundled insurance, and defensive driver.
- GEICO has savings for five-year accident-free, multi-vehicle, federal employee, membership and employees, and emergency military deployment.
- State Farm offers discounts for safe vehicle, driver’s education, multiple policy, accident-free, and passive restraint.
The illustration below illustrates the comparison of yearly insurance costs with and without discounts applied to the policy premium. The premiums assume a male driver, no violations or claims, Nebraska state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple policy, claim-free, defensive driving course, anti-theft, marriage, and homeowner discounts applied. With discounts applied, theaverage amount saved on auto insurance for handicapped drivers is 28% or $351.
Ratings for Nebraska auto insurance companies
Insuring your vehicle with a highly-rated insurer can be challenging considering how many different companies sell coverage in Nebraska. The information shown next can help you decide which insurers you want to consider to insure your vehicles.
These rankings are only comprised of companies with a national presence, so companies that may only write in Nebraska are not included in these rankings. To get rate quotes from these companies and more, click this link.
Top 10 Major Auto Insurance Providers in Lincoln Ranked by A.M. Best Rating
- 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 Major Auto Insurance Providers in Lincoln Ranked by Customer Service
- State Farm
- Safeco Insurance
- American Family
- Liberty Mutual
- The Hartford
- Farmers Insurance
Chances are good that you’re overpaying for Lincoln car insurance
Lincoln auto insurance rates are impacted by many things that control the cost of coverage. Simply turning a year older, marrying your spouse, or getting a ticket for careless driving can trigger rate changes that can make some companies more affordable than the competition. Not only may your situation change, but insurers change the rates they charge in Nebraska as needed in order to maintain liquidity for claims. An extended period of higher than normal claims can cause more expensive prices, while lower claim expenses may result in lower-priced Lincoln car insurance rates.
To help illustrate this point, the chart below shows the companies that have the cheapest car insurance in Lincoln, NE for a 45-year-old male driver with a clean driving record, no accidents, and a decent credit rating. If we estimate prices based on his current risk profile, Safeco may offer the most affordable car insurance rates in Lincoln at $780 each year. This is $536 less than the average rate paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska are the rest of the most affordable Lincoln, NE auto insurance companies.
Now let’s give the driver in the first chart a chargeable accident, a little lower credit rating, and an imperfect driving record. Since each auto insurance company has their own guidelines to set premium rates, analyzing rates could now result in a significantly different list of affordable companies as shown below.
Nationwide now has the cheapest auto insurance in Lincoln with State Farm, American National, General Casualty, and USAA also being competitive. This example proves why consumers need to take the time to compare lots of rates to get the cheapest insurance rates for handicapped drivers. Insurance prices are calculated by many different factors and change frequently, so the most economical company a year ago may now not even be in the top five.
How to find budget-friendly car insurance for handicapped drivers
The list below details a few money-saving solutions that can help you find more affordable car insurance.
- Save money by bundling your home and auto policies
- Do not get traffic citations
- Accident-free drivers may qualify for discounts
- Claim-free policyholders usually earn a discount
- Lower rates by purchasing a safer vehicle
- Compare rates once a year for cheaper prices
The last tip is notably necessary, as we pointed out in this article. Coverage rates can change in a short period of time, so don’t be hesitant to switch companies if a cheaper price is available.
Many drivers prefer to stick with one company, but it isn’t a good idea if that dedication is costing money that could be going to better use. Now is a great time to compare rates to find cheaper insurance for handicapped drivers in Lincoln.
If you would rather get some professional advice when comparing insurance rates for drivers with handicaps, the agents shown below are a good start to help you make a decision which policy fits your needs best.
To find an auto insurance agency using an interactive map, click the button link following the list.
Allstate Insurance: Erik Brooks
1600 Normandy Ct #110 – Lincoln, NE 68512 – (402) 261-3959
Farmers Insurance – Ken Richards
3100 O St #3 – Lincoln, NE 68510 – (402) 420-5355
Cornhusker Insurance Agency
6100 Apples Way #110 – Lincoln, NE 68516 – (402) 436-2423
7800 O St #103 – Lincoln, NE 68510 – (402) 483-1350