Do you need a fast way to compare more competitive auto insurance rates in Lincoln, NE? Lincoln drivers have options when trying to find the best price on Chevy Bolt insurance. You can either spend your time struggling with agents to compare prices or leverage the internet to get rate quotes.
There are more efficient ways to buy auto insurance and you need to know the best way to compare rates for a Chevy and get the lowest possible price from both online companies and Lincoln agents.
If you have a current auto insurance policy or just want a better rate, use these cost-cutting techniques to save money while maintaining coverages. This article’s intent is to help educate you on the best methods to compare rates and how to save the most money. Consumers just need to know the quickest method to compare rate quotes using one simple form.
Earn discounts on Lincoln car insurance
Companies offering auto insurance don’t list all discounts in a way that’s easy to find, so below is a list both the well known in addition to some of the lesser obvious discounts that you may qualify for.
- Bundle and Save – If you insure your home and vehicles with the same insurance company you may earn approximately 10% to 15%.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
- Government Employees – Simply working for the federal government could qualify for a slight premium decrease depending on your car insurance provider.
- Home Ownership Discount – Owning a house in Lincoln can get you a discount because owning a home is proof that your finances are in order.
- Data Collection Discounts – Insureds that choose to allow their company to scrutinize their driving habits by using a small device installed in their vehicle such as State Farm’s In-Drive could possibly reduce rates if they are good drivers.
- Distant Student – Any of your kids who are enrolled in higher education away from home and leave their car at home can be insured at a reduced rate.
You can save money using discounts, but some credits don’t apply to the entire cost. Some only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, that’s just not realistic.
A few companies who might offer most of these discounts include:
If you need lower rates, check with all the companies how you can save money. Some discounts may not apply to policies in your area.
Lowering your auto insurance rates can be quick and easy. The only requirement is to invest a little time comparing price quotes from different insurance companies.
The providers in the list below have been selected to offer quotes in Nebraska. If multiple companies are listed, it’s a good idea that you get price quotes from several of them in order to find the cheapest rates.
Car insurance quotes from local Lincoln insurance agents
A lot of people would rather buy from a licensed agent and doing so can bring peace of mind Licensed agents are very good at helping people manage risk and will help you if you have claims. The biggest benefit of price shopping on the web is that drivers can save money and get cheap rate quotes and still have a local agent. And buying from local agencies is definitely important in Lincoln.
To make it easy to find an agent, after completing this short form, the coverage information is immediately sent to local insurance agents in Lincoln who can give free rate quotes for your insurance coverage. You won’t even need to leave your house since rate quotes are delivered to you instantly. In the event you want to quote rates from a specific company, you just need to find their quoting web page and give them your coverage information.
When looking for a reputable agency, you need to know there are two different types of agents and how they differ in how they can insure your vehicles. Car insurance policy providers can be categorized as either exclusive agents or independent agents. Both provide car insurance policies, but it is a good idea to know the subtle differences because it may have an impact on which agent you choose.
Independent Car Insurance Agencies
Agents of this type often have affiliation with several companies so they can write business with multiple insurance companies and find you cheaper rates. If they quote lower rates, an independent agent can move your coverage and you don’t have to switch agencies. When comparison shopping, we highly recommend that you compare quotes from multiple independent agents so that you can do a thorough price comparison. Many can place coverage with lesser-known insurance companies that can offer cheaper rates than bigger companies.
Shown below is a partial list of independent insurance agents in Lincoln that can possibly get you rate quotes.
- Davidson Insurance
5101 N 27th St – Lincoln, NE 68521 – (402) 465-1167 – View Map - Jeff Munns Agency, Inc.
1617 Normandy Ct #102 – Lincoln, NE 68512 – (402) 436-2140 – View Map - Zimmer Insurance Group
3230 S 13th St – Lincoln, NE 68502 – (402) 423-6262 – View Map
Exclusive Agencies
Exclusive agencies write business for a single company such as Allstate, State Farm and Farmers Insurance. Exclusive agents cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive agencies are well trained in insurance sales which aids in selling service over price. Consumers often use the same exclusive agent mostly because of loyalty to the company and strong financial ratings.
The following are Lincoln exclusive insurance agencies that can give you rate quotes.
- John Eshleman – State Farm Insurance Agent
7501 O St #103 – Lincoln, NE 68510 – (402) 483-7578 – View Map - American Family Insurance – Tim Stewart Agency Inc.
5625 O St Ste 105 – Lincoln, NE 68510 – (402) 489-6211 – View Map - Paul Johnson – State Farm Insurance Agent
5533 S 27th St #204 – Lincoln, NE 68512 – (402) 420-2288 – View Map
Selecting an insurance agent shouldn’t rely on just the bottom line cost. These are some questions you should get answers to.
- What insurance company do they write the most business with?
- Which companies do they recommend if they are an independent agency?
- How much training do they have in personal risk management?
- How will an accident affect your rates?
- When do they do policy reviews?
Coverage specifics
Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.
Auto liability insurance
Liability coverage will cover damage or injury you incur to other people or property. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability can pay for things such as pain and suffering, medical expenses, funeral expenses, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford. Nebraska requires minimum liability limits of 25/50/25 but it’s recommended drivers buy better liability coverage.
The chart below demonstrates why buying minimum limits may not provide you with enough coverage.
Comprehensive coverage
This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as theft, a broken windshield, hitting a bird, damage from getting keyed and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Auto collision coverage
This coverage pays for damage to your Bolt resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as crashing into a building, crashing into a ditch and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible on your Bolt to bring the cost down.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like ambulance fees, prosthetic devices and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist coverage
This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy Bolt.
Due to the fact that many Nebraska drivers only purchase the least amount of liability that is required (25/50/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.
One last thing about your coverage
Consumers switch companies for many reasons like policy non-renewal, being labeled a high risk driver, extreme rates for teen drivers or high rates after DUI convictions. No matter why you want to switch, switching companies is not as difficult as it may seem.
When getting Lincoln auto insurance quotes online, you should never buy poor coverage just to save money. In too many instances, drivers have reduced liability coverage limits only to discover later they didn’t have enough coverage. The aim is to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.
We just showed you a lot of tips how to save on Chevy Bolt insurance in Lincoln. The most important thing to understand is the more you quote Lincoln auto insurance, the more likely it is that you will get a better rate. You may even find the biggest savings come from the least-expected company.
How to quote cheaper Chevy Bolt insurance in Lincoln
To save the most money, the best way to get budget Chevy Bolt insurance is to make a habit of comparing prices annually from providers who sell insurance in Lincoln.
First, try to understand what is in your policy and the things you can change to lower rates. Many factors that increase rates like high-risk driving behaviors and a poor credit rating can be amended by making lifestyle changes or driving safer.
Second, request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while independent agents can provide rate quotes from multiple companies. Compare rates
Third, compare the new rates to your current policy to see if a cheaper rate is available in Lincoln. If you find better rates, make sure there is no coverage gap between policies.
Fourth, provide proper notification to your current company of your decision to cancel your current policy. Submit any necessary down payment along with the completed application to the newly selected company. Immediately put the certificate verifying coverage with your vehicle’s registration.
One key aspect when comparing rates is that you’ll want to compare similar limits and deductibles on every quote request and and to get prices from as many carriers as you can. Doing this guarantees a fair rate comparison and a good representation of prices.
To read more, link through to the articles below:
- Keeping Children Safe in Crashes Video (iihs.org)
- How Much is Auto Insurance for Welfare Recipients in Lincoln? (FAQ)
- How Much are Lincoln Auto Insurance Rates for a Honda CR-V? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Business Use in Lincoln? (FAQ)
- Who Has Cheap Lincoln Auto Insurance for High School Students? (FAQ)
- Who Has Cheap Auto Insurance Rates for Homeowners in Lincoln? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Electronic Stability Control FAQ (iihs.org)
- Credit Impacts Car Insurance Rates (State Farm)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)