It’s well known that car insurance companies want to prevent you from shopping around. Insureds who shop around for cheaper price quotes will probably switch to a new company because there is a good probability of finding a more affordable policy premium. A recent study showed that consumers who compared price quotes annually saved on average $865 a year compared to drivers who don’t make a habit of comparing rates.
If finding the cheapest price for Volkswagen Atlas insurance is your intention, then having some knowledge of the best ways to shop for coverages can save time and money.
Really, the only way to get discount car insurance rates in Lincoln is to compare prices regularly from insurance carriers in Nebraska.
- Spend some time learning about car insurance and the modifications you can make to prevent high rates. Many rating criteria that are responsible for high rates such as traffic citations, accidents, and an imperfect credit rating can be improved by making small lifestyle or driving habit changes. Later in this article we will cover more information to help prevent costly coverage and find hidden discounts.
- Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or Farmers Insurance, while independent agencies can quote rates from multiple companies.
- Compare the new rates to your existing policy and determine if there is any savings. If you find a better price and switch companies, 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 shopping around is to make sure you enter identical deductibles and limits on every quote and and to get rate quotes from as many carriers as you can. This provides a level playing field and many rates to choose from.
Many insurance companies make it easy to get insurance quotes on the web. Comparing prices online for Volkswagen Atlas insurance in Lincoln is pretty easy as all you need to do is type in the coverage amounts you desire on the page. When complete, the company’s rating system collects your driving and credit reports and returns a price quote based on these and other factors.
Using the web to get quotes for Volkswagen Atlas insurance in Lincoln helps simplify price comparisons, and it is important to compare as many rates as possible if you are searching for a lower rate.
If you want to fill out one form to compare multiple rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you complete the form with the coverage information just like they are on your policy. This way, you will get an apples-to-apples comparison for similar coverage.
The providers in the list below are our best choices to provide free rate quotes in Nebraska. If multiple companies are listed, we suggest you click on several of them in order to find the most competitive rates.
How to Lower Your Insurance Prices
The best way to find cheaper car insurance is to take a look at the factors that help calculate your premiums. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may reward you with big savings. Many different elements are used in the calculation when pricing auto insurance. Most are fairly basic such as your driving history, but other criteria are not quite as obvious like your continuous coverage or your vehicle rating.
The following are just a few of the factors used by your company to calculate your rates.
Employer impacts rates – Occupations such as judges, airline pilots, and financial analysts tend to pay higher rates than average because of intense work-related stress and extremely grueling work hours. On the other hand, careers such as scientists, students and retirees pay the least.
Vehicles with better crash test results save money – Cars with five star safety ratings are cheaper to insure. Safer cars help reduce the chance of injuries in an accident and reduced instances of injuries means lower claim amounts and more competitive rates for policyholders. If the Volkswagen Atlas has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
Driving citations cost more than a fine – Having a single ticket can bump up the cost forty percent or more. Drivers with clean records tend to pay less for car insurance compared to bad drivers. Drivers who have received license-revoking citations like DUI or willful reckless driving may face state-mandated requirements to complete a SR-22 with the DMV in their state in order to prevent their license from being revoked.
Fast cars cost more to insure – The type of car you need insurance for makes a big difference in determining your rates. The most favorable rates are usually for small economy passenger cars, but the final cost of insurance is determined by many other factors.
Gender matters – Statistics demonstrate that females tend to be a little less risky than males. This data doesn’t prove that men are WORSE drivers than women. Men and women are responsible for accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically receive more major tickets such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and are penalized with high car insurance rates.
Insurance is not optional in Nebraska
Even though it can be expensive, insurance is most likely required but also gives you several important benefits.
First, just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability coverage in order to be legal. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your vehicle has a loan, it’s guaranteed your bank will require you to have full coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the lender will be forced to insure your Volkswagen at a more expensive rate and force you to reimburse them the higher premium.
Third, insurance safeguards both your Volkswagen and your personal assets. It will also provide coverage for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability insurance will also pay attorney fees in the event you are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance more than offset the price you pay, especially with large liability claims. As of last year, the average driver in Nebraska is overpaying over $865 each year so you should quote and compare rates each time the policy renews to make sure the price is not too high.
Lincoln car insurance companies ranked
Choosing a high-quality car insurance company can be a challenge considering how many choices there are in Nebraska. The ranking information in the lists below can help you select which companies to look at when comparing rate quotes.
Top 10 Lincoln Car Insurance Companies Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- The General