The most effective way to find the cheapest price for car insurance rates is to compare quotes annually from insurers that sell auto insurance in Lincoln.
- Take a few minutes and learn about policy coverages and the factors you can control to prevent high rates. Many policy risk factors that cause rate increases such as speeding and an imperfect credit score can be rectified by making minor changes to your lifestyle. This article gives information to prevent expensive rate increases and earn a bigger discount.
- Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or State Farm, while independent agencies can provide rate quotes from multiple sources. View a list of agents
- Compare the quotes to your existing coverage and see if there is a cheaper rate. If you find a lower rate quote, ensure there is no coverage lapse between policies.
- Tell your current agent or company of your decision to cancel your current coverage and submit the signed application along with the required initial payment to the new insurer. Don’t forget to keep your new certificate of insurance with your registration paperwork.
One important bit of advice is that you’ll want to make sure you compare the same deductibles and limits on each quote and and to get rates from as many carriers as you can. Doing this guarantees a level playing field and a thorough price selection.
It’s a known fact that auto insurance companies don’t want their policyholders to compare prices. People who shop for lower prices are likely to buy a different policy because they have good chances of finding better rates. A recent survey found that drivers who did price comparisons regularly saved as much as $850 each year compared to other drivers who don’t make a habit of comparing rates.
If finding the cheapest price for auto insurance in Lincoln is your target objective, knowing the best way to shop and compare coverages can make it simple to find affordable coverage.
If you have a policy now or are looking for a new policy, you can learn to find the best rates while maintaining coverages. Locating the best insurance company for you in Lincoln is much easier if you have a good place to start. Smart shoppers just have to learn the proper way to buy auto insurance from many different companies online.
Don’t neglect these discounts
Insuring your fleet can be pricey, but discounts can save money and there are some available to help offset the cost. Many discounts should be triggered at the time of purchase, but less common discounts must be requested specifically prior to receiving the credit.
- E-sign Discounts – A few auto insurance companies provide a small discount for signing up on your computer.
- Low Miles Discount – Driving less could earn substantially lower premium rates.
- ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control can reduce accidents so you can save 10 percent or more.
- College Student – College-age children who live away from home to go to college and do not have a car can be insured at a reduced rate.
- Lower Rates for Military – Having an actively deployed family member could qualify you for better prices.
- Organization Discounts – Being in qualifying employment or professional organizations may earn a discount when shopping for auto insurance.
- Drive Safe and Save – Drivers who don’t get into accidents can save as much as half off their rates as compared to drivers with claims.
- Good Student – Excelling in school may save as much as 25% on a Lincoln car insurance quote. The good student discount can last well after school through age 25.
- Auto/Life Discount – Not all insurance companies offer life insurance, but some may give you a break if you buy auto and life insurance together.
- Auto/Home Discount – If you have multiple policies and insure them with the same company you may earn at least 10 to 15 percent or more.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts should help reduce the cost of your policy.
Car insurance companies who may offer these discounts are:
When getting a coverage quote, ask every company how many discounts you can get. Savings might not apply everywhere.
The car insurance companies shown below are our best choices to provide free rate quotes in Lincoln, NE. To buy the best cheap car insurance in Lincoln, we recommend you visit as many as you can in order to get a fair rate comparison.
Get More Affordable Insurance Premiums by Understanding These Factors
It’s important that you understand some of the factors that come into play when calculating the price you pay for auto insurance. If you know what determines premiums, this enables informed choices that can earn you lower auto insurance prices.
With age comes responsibility – Young drivers in Nebraska are known to be inattentive when behind the wheel therefore auto insurance rates are much higher. Having to add a young driver to your auto insurance policy can really hurt. Older people are viewed as being more responsible, cause fewer claims and accidents, and receive fewer citations.
Your car’s features help determine auto insurance rates – Driving a car with an alarm system can help bring down rates. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping car theft.
The type of car, truck or SUV makes a difference – The make and model of the vehicle you are buying insurance for makes a big difference in your car insurance bill. The lowest rates are generally reserved for small economy passenger models, but that’s not the only thing that factors into the final price.
Use credit responsibly and save – A driver’s credit history can be an important factor in calculating your auto insurance rates. People that have excellent credit tend to be better drivers and file fewer claims than those with bad credit. Therefore, if your credit is low, you could save money insuring your Audi RS7 if you clean up your credit.
Your vocation can affect rates – Did you know your job can affect your rates? Occupations like fire fighters, business owners, and accountants tend to have higher average rates in part from intense work requirements and lengthy work days. Conversely, jobs like professors, engineers and performers have lower than average premiums.
Liability coverage is important – A critical coverage on your policy, liability insurance kicks in in the event that you are found liable for damages from an accident. It will provide you with a defense in court which can be incredibly expensive. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Audi RS7 historical loss data – Insurance companies analyze claim trends for every vehicle as a way to help calculate a profitable premium rate. Vehicles that historically have higher claim amounts or frequency will have higher rates. The data below shows the insurance loss data used by companies for Audi RS7 vehicles.
For each type of coverage, the claim amount for all vehicles, as an average, equals 100. Values that are under 100 represent a good loss history, while numbers shown that are more than 100 indicate higher probability of having a loss or an increased chance of a larger loss.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Audi RS7 4dr 4WD | 352 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Situations that may require an agent’s advice
When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Your financial needs are unique so your insurance needs to address that. For instance, these questions can help discover if your insurance needs could use an agent’s help.
- What does roadside assistance cover?
- What is an SR-22 filing?
- Am I covered when pulling a rental trailer?
- Do all my vehicles need collision coverage?
- Where can I find high-risk insurance?
- Are my company tools covered if they get stolen?
- How much liability coverage do I need in Nebraska?
- If I drive on a suspended license am I covered?
If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.
Insurance agent or online?
Many drivers still like to get professional advice from a licensed agent and doing that can be a smart decision Good agents can help determine the best coverages and help file insurance claims. One of the great benefits of getting online price quotes is the fact that drivers can get cheap rate quotes but also keep your business local.
After filling out this quick form, your insurance data is instantly submitted to local insurance agents in Lincoln who want to provide quotes for your auto insurance coverage. You won’t even need to find an agent as quotes are delivered to you instantly. In the event you want to get a comparison quote from a specific insurance company, don’t hesitate to visit that company’s website and complete a quote there.
Picking a insurance company should depend on more than just a cheap price quote. The following questions are important to ask.
- Where would your vehicle be repaired?
- Can they provide you with a list of referrals?
- Does the agency have a positive business rating?
- What are their preferred companies if they are an independent agency?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are there any discounts that you might be missing?
Lincoln auto insurance agents come in two flavors
When searching for a local insurance agency, you must know there are a couple different types of agents and how they function. Agencies in Lincoln can either be independent (non-exclusive) or exclusive. Either type can sell affordable auto insurance policies, but it’s good to learn the subtle differences because it can factor into your selection of an agent.
Exclusive Agents
Agents that elect to be exclusive can only provide one company’s prices such as State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot place coverage with different providers so always compare other rates. These agents are well trained on their products and sales techniques which helps them sell insurance even at higher premiums.
Listed below are Lincoln exclusive insurance agencies who may provide you with comparison quotes.
American Family Insurance – James L. Brown Agency Inc
4500 Cornhusker Hwy Ste 1 – Lincoln, NE 68504 – (402) 465-0748 – View Map
Roger McGinnis – State Farm Insurance Agent
6900 O St #105 – Lincoln, NE 68510 – (402) 466-6300 – View Map
Solomon Halim – State Farm Insurance Agent
4007 S 48th St – Lincoln, NE 68506 – (402) 486-3839 – View Map
Independent Auto Insurance Agents
Agents that choose to be independent often have many company appointments so they can quote policies with an assortment of companies and potentially find a lower price. If they find a lower price, your policy is moved internally and that require little work on your part.
When comparing rates, we recommend you get several quotes from at a minimum one independent agency to have the most options to choose from.
Listed below is a short list of independent agencies in Lincoln willing to provide rate quotes.
Advantage Insurance Agency
505 N 27th St #2 – Lincoln, NE 68503 – (402) 484-5454 – View Map
Forsyth Insurance Agency
1265 S Cotner Blvd #21 – Lincoln, NE 68510 – (402) 483-7861 – View Map
Solid Ground Insurance LLC
6000 South 58th Street Suite C – Lincoln, NE 68516 – (402) 420-7654 – View Map
Protect more than your Audi vehicle
Even though it can be expensive, insuring your vehicle is required in Nebraska but it also protects you in many ways.
First, the majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage in order to license the vehicle. 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 you took out a loan on your car, most banks will make it mandatory that you buy insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender may have to buy a policy to insure your Audi at a significantly higher premium and require you to fork over for the much more expensive policy.
Third, insurance preserves not only your Audi but also your financial assets. Insurance will also pay for all forms of medical expenses for both you and anyone you injure as the result of an accident. Liability insurance will also pay for a defense attorney if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance more than cancel out the cost, especially when you need to use it. But the average American driver overpays as much as $855 a year so compare quotes from several companies each time the policy renews to help ensure money is not being wasted.
Be persistent and save
We just showed you many ideas to shop for Audi RS7 insurance online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding cheaper Lincoln car insurance quotes. Drivers may even discover the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.
As you quote Lincoln car insurance, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage for the lowest cost, but do not sacrifice coverage to save money.
More tips and info about insurance is available by following these links:
- Prom Night Tips for Teen Drivers (State Farm)
- How Much is Auto Insurance for a Honda Civic in Lincoln? (FAQ)
- Who Has Cheap Car Insurance for First-time Drivers in Lincoln? (FAQ)
- How Much is Lincoln Car Insurance for Drivers Under 25? (FAQ)
- How do I File a Claim? (Insurance Information Institute)
- Anti-Lock Brake FAQ (iihs.org)
- Distracted Driving (Insurance Information Institute)