Shocking but true, a large majority of car insurance policyholders kept their policy with the same company for four years or more, and almost half have never compared rate quotes at all. With the average car insurance premium being $1,440, Lincoln drivers can save hundreds of dollars each year, but they won’t spend time to save money by comparing rate quotes.
If your goal is the lowest price, then the best way to get the cheapest Mercury Montego insurance in Lincoln is to start comparing rates regularly from insurers in Nebraska. You can shop around by following these guidelines.
Step 1: Take a little time to learn about the coverage provided by your policy and the changes you can make to prevent high rates. Many policy risk factors that cause high rates like distracted driving and a not-so-good credit rating can be improved by making minor changes in your lifestyle. Later in this article we will cover additional tips to help keep prices low and find more discounts that you may not know about.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or State Farm, while independent agents can give you price quotes for a wide range of companies.
Step 3: Compare the new quotes to your current policy and see if there is a cheaper rate. If you find a better price, make sure the effective date of the new policy is the same as the expiration date of the old one.
The most important part of this process is to try to compare identical deductibles and limits on every quote and and to get rate quotes from all possible companies. Doing this enables an apples-to-apples comparison and the best rate selection.
If you already have coverage or need a new policy, use these tips to get lower rates while maximizing coverage. Choosing the best rates in Lincoln can be easy if you know a few tricks. Smart shoppers just have to use the most efficient way to shop their coverage around from multiple carriers.
Best companies for affordable Mercury Montego insurance in Nebraska
The companies in the list below are ready to provide price comparisons in Nebraska. If you want to find the best auto insurance in NE, we suggest you click on several of them in order to get a fair rate comparison.
Why You Might Pay Lower Rates in Lincoln
An important part of buying insurance is that you know some of the elements that help calculate auto insurance rates. If you know what positively or negatively impacts your premiums, this enables informed choices that may reward you with lower premium levels. Many different elements are considered when premium rates are determined. Some are pretty understandable like an MVR report, but some are not as apparent such as your credit history or your commute time.
Premiums are lower the older you get – Older drivers have been proven to be more responsible, cost insurance companies less in claims, and receive fewer citations. Youthful drivers are known to be inattentive and easily distracted when at the wheel of a vehicle and because of this, their auto insurance rates are much higher.
Does your occupation cost you more? – Did you know your auto insurance rates can be affected by your occupation? Occupations like doctors, business owners, and financial analysts tend to have the highest average rates due to stressful work requirements and lots of time spent away from family. On the flip side, jobs such as professors, engineers and the unemployed generally pay rates lower than average.
Raising comp and collision deductibles lowers costs – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Mercury. Examples of some claims that would be covered are a dented fender, flood damage, or theft. Comp and collision deductibles are how much you are willing to pay if a covered claim is submitted. The more expense the insured has to pay upfront, the less money you will pay for auto insurance.
Cheaper rates by combining – Most larger insurance companies will give discounts to customers that purchase more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to get quotes from other companies to make sure you are getting the best deal.
Marriage brings a discount – Being married may cut your premiums when shopping for auto insurance. Having a significant other translates into being more stable financially and insurance companies reward insureds because being married results in fewer claims.
Always have auto insurance – Allowing your auto insurance policy to lapse can be a guaranteed way to increase your renewal premiums. Not only will rates go up, being ticketed for driving with no insurance may result in fines and jail time.
Low mileage costs less – The more miles you rack up on your Mercury in a year’s time the more you will pay for auto insurance. Almost all companies charge rates based upon how you use the vehicle. Cars not used for work or commuting cost less to insure than vehicles that are driven to work every day. It’s a smart idea to ensure your auto insurance coverage is rated on the proper vehicle usage. Incorrect rating for your Montego may be wasting your money.
Get discounts on Lincoln insurance
Some providers don’t always list every available discount in a way that’s easy to find, so the list below contains some of the more common and also the lesser-known credits available to you.
- Distant College Student Discount – Older children who are attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
- Military Discounts – Being deployed in the military may lower your prices slightly.
- Life Insurance Discount – Insurance companies who offer life insurance give a discount if you purchase a life insurance policy as well.
- Student Driver Training – It’s a good idea to have your young drivers take driver’s ed class in school or through a local driver safety program.
- Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions so you can save 10 percent or more.
- Low Mileage Discounts – Keeping the miles down on your Mercury can earn slightly better insurance rates than normal.
- Club Memberships – Being a member of qualifying employment or professional organizations could trigger savings on your policy.
- Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 25 to 30%.
- Paper-free Discount – Many insurance companies may give you up to $50 for buying your policy on their website.
As a sidenote, most credits do not apply to the whole policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, insurance companies aren’t that generous.
For a list of insurance companies with the best discounts in Nebraska, click here.
When to get advice from an insurance agent
Some consumers still like to buy from a local agent and often times that is recommended Licensed agents will help you protect your assets and give you someone to call. One of the best bonuses of getting free rate quotes online is that you can obtain lower rates and also buy local. And buying from neighborhood insurance agencies is still important in Lincoln.
To help locate an agent, after submitting this simple form, the coverage information is emailed to insurance agents in Lincoln who will give competitive quotes for your insurance coverage. There is no need to drive around due to the fact that quote results will go to the email address you provide. If you want to get a comparison quote from a specific insurance company, you can always search and find their rate quote page and complete a quote there.
When researching a reliable insurance agent, it’s helpful to know the types of agencies and how they can service your needs differently. Insurance agencies are considered either exclusive or independent. Either can sell insurance policies, but we need to point out the difference in how they write coverage since it could factor into which agent you choose.
Independent Insurance Agencies or Brokers
Agents of this type often have many company appointments so as a result can place your coverage with any number of different companies and find the cheapest insurance rates. If you are not satisfied with one company, they simply switch companies in-house and you can keep the same agent. If you are comparing rate quotes, you absolutely need to get several quotes from independent agents for maximum quote selection.
Featured below is a small list of independent insurance agencies in Lincoln that may be able to provide cheap rate quotes.
Mid Mex Insurance Inc
1010 South St A – Lincoln, NE 68502 – (402) 438-6800 – View Map
Exclusive Insurance Agents
Exclusive agents write business for a single company and some examples include State Farm, Allstate and AAA. They generally cannot give you multiple price quotes so you need to shop around if the rates are high. They are very knowledgeable on their company’s products and that allows them to sell at a higher price point.
The following is a short list of exclusive agencies in Lincoln willing to provide comparison quotes.
Finding a good auto insurance agent shouldn’t rely on just the bottom line cost. Ask your prospective agent these questions:
- Will their companies depreciate repairs to your car based on the mileage?
- Will the quote change when the policy is issued?
- Where would your vehicle be repaired?
- What is the financial rating for the quoted company?
- Is there a 24/7 contact number?
- How experienced are they in personal risk management?
- If independent agents, which companies do they recommend?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
Persistence will pay off
Affordable Mercury Montego insurance in Lincoln is attainable online in addition to many Lincoln insurance agents, so you need to quote Lincoln car insurance with both to have the best chance of lowering rates. Some insurance companies don’t offer the ability to get quotes online and many times these small insurance companies provide coverage only through independent insurance agencies.
We covered a lot of techniques to reduce Mercury Montego insurance rates online in Lincoln. The key thing to remember is the more you quote Lincoln car insurance, the better chance you’ll have of finding affordable Lincoln car insurance quotes. You may even find the lowest priced insurance comes from the smaller companies. These smaller insurers may only write in your state and offer lower car insurance rates as compared to the big name companies such as Allstate or State Farm.
- Preventing Carjacking and Theft (Insurance Information Institute)
- How Much are Car Insurance Rates for Good Students in Lincoln? (FAQ)
- Who Has the Cheapest Lincoln Auto Insurance Rates for Electric Cars? (FAQ)
- Who Has Cheap Car Insurance for First-time Drivers in Lincoln? (FAQ)
- Who Has Cheap Lincoln Car Insurance for a Nissan Sentra? (FAQ)
- Auto Theft Statistics (Insurance Information Institute)
- State Car Insurance Guides (GEICO)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)