Unimaginable but true, the majority of drivers have bought auto insurance from the same company for over three years, and roughly 40% of drivers have never compared rates to find cheap insurance. Most drivers in Lincoln can save $400 each year by just comparing quotes, but they just assume it takes a lot of time to compare rates and save money.
If saving the most money is your goal, then the best way to find affordable quotes for auto insurance rates is to compare quotes once a year from companies in Lincoln. Prices can be compared by following these steps.
- Try to learn a little about how companies price auto insurance and the changes you can make to prevent high rates. Many things that cause high rates such as accidents, traffic tickets, and a low credit score can be remedied by paying attention to minor details. Keep reading for information to help keep rates affordable and find possible discounts that are available.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like Progressive or State Farm, while agents who are independent can provide price quotes for a wide range of companies. View companies
- Compare the new quotes to your existing policy to see if you can save by switching companies. If you find a lower rate quote and buy the policy, make sure coverage is continuous and does not lapse.
An important bit of advice to remember is to try to use similar deductibles and liability limits on each price quote and and to look at as many different companies as possible. This guarantees a fair price comparison and a complete price analysis.
If you currently have auto insurance, you will most likely be able to find the best rates using the concepts covered in this article. Locating the best rates in Lincoln is actually very simple if you learn how to start. Although Nebraska vehicle owners must know the methods companies use to compete online.
Save a ton with discounts
The price of auto insurance can be rather high, but there may be some discounts to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but once in a while a discount must be requested specifically prior to receiving the credit.
- ABS Brakes – Cars that have steering control and anti-lock brakes have fewer accidents so you can save 10 percent or more.
- Safety Restraint Discount – Buckling up and requiring all passengers to buckle up could cut 10% or more on medical payment and PIP coverage.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out life insurance from them.
- Good Students Pay Less – This discount could provide a savings of up to 20% or more. This discount can apply up until you turn 25.
- Driver’s Education for Students – Have your child complete a driver education course as it can save substantially.
- Lincoln Homeowners Discount – Owning a house in Lincoln can save you money because it requires personal responsibility.
We need to note that most credits do not apply to the whole policy. Some only apply to individual premiums such as comprehensive or collision. So even though you would think you could get a free insurance policy, you won’t be that lucky.
Car insurance companies that may offer quotes with many of the previously listed discounts include:
It’s a good idea to ask each company or agent how many discounts you can get. Some discounts listed above might not be offered on policies in Lincoln. To choose insurance companies with discount insurance rates in Lincoln, click here.
Compare quotes for Lincoln Ford C-Max Hybrid insurance
To get the cheapest Ford C-Max Hybrid rate quotes, there a variety of ways to compare quotes from local Lincoln auto insurance companies. The fastest way to lower the rate you pay for Ford C-Max Hybrid insurance is to jump online and get quotes.
It’s so fast and easy to compare price quotes online that it makes it a waste of time to go to each insurance agency near you. Doing it all online makes this process obsolete unless you require the professional assistance that only a licensed agent can provide. It is possible with some companies comparison shop your insurance online and have a local agent actually service the policy.
When comparing auto insurance rates, know that more quotes increases your odds of finding more affordable rates.
The companies shown below can provide free rate quotes in Lincoln, NE. To get the cheapest auto insurance in Lincoln, it’s highly recommended you compare several of them to get the lowest price.
How to know if you need help
When quoting and comparing the best auto insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your auto insurance should unique, too.
For instance, these questions can help discover if your situation would benefit from an agent’s advice.
- Is my Ford C-Max Hybrid covered if I use it for business?
- Can I make deliveries for my home business?
- Am I covered while delivering pizza?
- How do I file an SR-22 for a DUI in Nebraska?
- Should I get collision insurance on every vehicle?
- What is the ISO rating for a Ford C-Max Hybrid?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier
Do I need an insurance agent?
Certain consumers just prefer to have an agent’s advice and we recommend doing that A good thing about comparing rates online is you can get cheap auto insurance rates and also buy local. Supporting neighborhood insurance agencies is definitely important in Lincoln.
Once you complete this simple form, the quote information is transmitted to local insurance agents in Lincoln that give free quotes to get your business. There is no reason to contact any insurance agencies because quoted prices will be sent to you directly. It’s the lowest rates AND an agent nearby. If you want to compare rates from one company in particular, don’t hesitate to go to their quote page to submit a rate quote request.
Is an exclusive or independent auto insurance agent right for you?
If you would like to find a local agent, there are two different types of agencies and how they can write your policy. Auto insurance agencies can be categorized as either independent agents or exclusive agents depending on their employer.
Independent Auto Insurance Agents (or Brokers)
Agents in the independent channel do not write with just one company so they have the ability to put coverage with a variety of different insurance companies and find the cheapest rate. If you want to switch companies, your agent can switch companies and that require little work on your part. When comparing auto insurance rates, it’s a good idea to include rate quotes from multiple independent agents for maximum quote selection.
The following is a partial list of independent insurance agencies in Lincoln that can give you free price quotes.
Solid Ground Insurance LLC
6000 South 58th Street Suite C – Lincoln, NE 68516 – (402) 420-7654 – View Map
Gary Thompson Agency, Inc.
4200 Lucile Dr a200 – Lincoln, NE 68506 – (402) 475-2609 – View Map
Cornhusker Insurance Agency
6100 Apples Way #110 – Lincoln, NE 68516 – (402) 436-2423 – View Map
Exclusive Auto Insurance Agencies
Exclusive insurance agents have only one company to place business with like Farmers Insurance or State Farm. They are unable to give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are trained well on what they offer which helps them sell insurance even at higher premiums.
Below are Lincoln exclusive agents willing to provide comparison quotes.
Paul Johnson – State Farm Insurance Agent
5533 S 27th St #204 – Lincoln, NE 68512 – (402) 420-2288 – View Map
State Farm: Vinnie Krikac
935 Plum St – Lincoln, NE 68502 – (402) 474-1173 – View Map
Karen Williams – State Farm Insurance Agent
233 N 48th St o – Lincoln, NE 68504 – (402) 434-6050 – View Map
Finding a good car insurance agent needs to be determined by more than just a low price. Agents should be asked these questions:
- Does the agent recommend any additional coverage?
- Does the agent have a valid license to sell insurance in Nebraska?
- Do they offer claims assistance after hours?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Will the agent or a CSR service your policy?
Which auto insurance company is best in Lincoln?
Insuring your vehicle with a high-quality insurance provider can be a challenge considering how many companies there are in Nebraska. The company ratings in the next section can help you select which coverage providers to look at buying from.
Top 10 Lincoln Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Nationwide – A+
- Esurance – A+
- The Hartford – A+
- Progressive – A+
- Allstate – A+
- The General – A-
One last note
As you quote Lincoln car insurance, do not skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced collision coverage only to regret that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at the best price while not skimping on critical coverages.
Throughout this article, we presented many ideas to save on Ford C-Max Hybrid insurance in Lincoln. The key thing to remember is the more price quotes you have, the better likelihood of getting cheaper Lincoln car insurance quotes. Drivers may even discover the biggest savings come from a smaller regional carrier. These companies may often insure only within specific states and give better rates than the large multi-state companies such as Allstate and Progressive.
Cheaper car insurance in Lincoln is attainable on the web and also from your neighborhood Lincoln agents, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies don’t offer internet price quotes and these small, regional companies sell through independent agencies.
Additional detailed information is located at these sites:
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- How Much is Auto Insurance for Welfare Recipients in Lincoln? (FAQ)
- Who Has Cheap Car Insurance Quotes for Drivers with Good Credit in Lincoln? (FAQ)
- Who Has Cheap Car Insurance Rates for a Toyota Tacoma in Lincoln? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Winter Driving (Insurance Information Institute)
- Alcohol Impaired Driving FAQ (iihs.org)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)