If saving money is your primary concern, then the best way to get cheaper Chrysler Sebring insurance in Lincoln is to start comparing rates regularly from insurance carriers that insure vehicles in Nebraska.
- Try to comprehend auto insurance and the things you can control to keep rates low. Many policy risk factors that are responsible for high rates such as speeding tickets, accidents and a negative credit score can be rectified by making minor changes to your lifestyle. Keep reading for tips to prevent high rates and earn larger discounts.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from one company like Progressive or Allstate, while agents who are independent can provide prices for many different companies.
- Compare the quotes to the price on your current policy and see if you can save money. If you can save money and change companies, make sure coverage does not lapse between policies.
The most important part of this process is to make sure you’re comparing the same physical damage deductibles and liability limits on every price quote and and to look at as many companies as you can. Doing this ensures an accurate price comparison and a thorough price selection.
A recent insurance study revealed that most insurance policyholders have purchased from the same company for four years or more, and nearly 40% of drivers have never compared rates to find cheaper insurance. Nebraska insurance shoppers can cut their rates by about $390 a year, but they just don’t want to find cheaper rates by getting comparison quotes.
If you currently have auto insurance, you will definitely be able to get lower rates using this information. Choosing the best insurance company for you in Lincoln is not that difficult as long as you know where to start. But Nebraska car owners do need to learn how companies charge you for coverage because rates are impacted by many factors.
Free Lincoln Chrysler Sebring insurance price quotes
When comparison shopping, getting more free quotes provides better odds of finding the best rates.
The auto insurance companies shown below provide comparison quotes in Nebraska. To get the cheapest car insurance in Lincoln, we recommend you get price quotes from several of them to get a more complete price comparison.
Discounts mean cheaper rates for Chrysler Sebring insurance in Lincoln
The cost of insuring your cars can be expensive, but there may be some discounts that can drop the cost substantially. Some discounts will apply at the time you complete a quote, but a few must be asked for prior to receiving the credit. If you’re not getting every credit you deserve, you could be getting lower rates.
- Club Memberships – Participating in qualifying employment or professional organizations could earn you a nice discount on your next insurance statement.
- Multi-car Discount – Insuring more than one vehicle on one policy can reduce rates for all insured vehicles.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of up to 25% or more.
- Telematics Data – Drivers that enable their company to track vehicle usage by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they exhibit good driving behavior.
- Defensive Driver Discounts – Successfully completing a class that teaches safe driver techniques could possibly earn you a 5% discount and easily recoup the cost of the course.
- Seat Belt Discounts – Drivers who require all occupants to buckle up may be able to save a few bucks off the personal injury premium cost.
We need to note that some of the credits will not apply to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. Even though it appears it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount should help lower your policy premium.
The information below illustrates the difference between Chrysler Sebring auto insurance costs with and without discounts applied to the policy rates. Data assumes a female driver, no accidents, no driving violations, Nebraska state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, marriage, claim-free, and safe-driver discounts applied.
Companies and a selection of discounts can be read below.
- The Hartford has discounts for anti-theft, driver training, bundle, defensive driver, vehicle fuel type, and air bag.
- American Family discounts include air bags, early bird, multi-vehicle, defensive driver, Steer into Savings, and accident-free.
- Progressive offers discounts including multi-policy, good student, online signing, continuous coverage, and multi-vehicle.
- Travelers offers premium reductions for multi-policy, multi-car, hybrid/electric vehicle, good student, and student away at school.
- Farmers Insurance offers discounts for good student, early shopping, switch companies, youthful driver, distant student, and alternative fuel.
- USAA may include discounts for new vehicle, multi-policy, driver training, good student, and military installation.
- Liberty Mutual includes discounts for newly retired, new move discount, good student, newly married, and new vehicle discount.
When comparing rates, check with every prospective company what discounts are available to you. Some credits may not apply to policies in Lincoln. To find companies who offer free Chrysler Sebring insurance quotes in Lincoln, click here.
Auto insurance statistics and figures
The coverage information displayed next showcases detailed analysis of coverage costs for Chrysler Sebring models. Being aware of how auto insurance prices are calculated helps drivers make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $226 | $528 | $362 | $22 | $108 | $1,246 | $104 |
| Sebring Limited 4-Dr Sedan | $226 | $528 | $362 | $22 | $108 | $1,246 | $104 |
| Sebring LX 2-Dr Convertible | $256 | $528 | $362 | $22 | $108 | $1,276 | $106 |
| Sebring Touring 2-Dr Convertible | $256 | $528 | $362 | $22 | $108 | $1,276 | $106 |
| Sebring Limited 2-Dr Convertible | $286 | $608 | $362 | $22 | $108 | $1,386 | $116 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium costs do not factor in specific zip code location which can lower or raise auto insurance rates substantially.
Physical damage deductibles: Should you raise them?
One common question asked by Lincoln drivers is how high should the physical damage coverage deductibles be. The comparisons below illustrate the difference in cost between high and low deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| Sebring Limited 4-Dr Sedan | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| Sebring LX 2-Dr Convertible | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Sebring Touring 2-Dr Convertible | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Sebring Limited 2-Dr Convertible | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| Sebring Limited 4-Dr Sedan | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| Sebring LX 2-Dr Convertible | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Sebring Touring 2-Dr Convertible | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Sebring Limited 2-Dr Convertible | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can raise or lower premium rates noticeably.
We can derive from the above data that using a $250 deductible could cost the average driver approximately $25 more each month or $300 every year than opting for the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 30 months between claim filings, you would probably be better off if you choose a higher deductible. The table below shows how you can make your own decision.
| Average monthly premium for $250 deductibles: | $97 |
| Average monthly premium for $1,000 deductibles (subtract): | – $72 |
| Monthly savings from raising deductible: | $25 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $25 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 30 months |
One important issue to know is that increasing deductibles to save money means you will have to pay more out-of-pocket at claim time. You need to have some money saved in the event you have to pay more to get your vehicle repaired.
The example below highlights how deductible choice and can increase or decrease Chrysler Sebring insurance prices for different age categories. The premium estimates are based on a married male driver, full physical damage coverage, and no discounts are applied.
Four factors that influence insurance prices
Many different elements are taken into consideration when quoting car insurance. A few of the factors are predictable such as traffic violations, but other factors are more transparent such as your marital status or your vehicle rating. Smart consumers have a good feel for some of the factors that help calculate your premiums. If you have a feel for what influences your rates, this allows you to make good choices that may result in lower premium levels.
The factors shown below are some of the things utilized by car insurance companies to help set your rate level.
- Bundling policies can get discounts – Some car insurance companies afford a discount to clients who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount consumers should still get quotes from other companies to ensure the best deal.
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Gender as a rate factor – Statistics show that females take fewer risks when driving. That doesn’t necessarily mean that females are better drivers. Men and women cause fender benders in similar numbers, but men get into accidents with more damage. Not only are claims higher, but men have more aggressive citations like driving under the influence (DUI). Youthful male drivers are the most expensive to insure and therefore pay the highest rates.
The illustration below compares Chrysler Sebring yearly insurance costs for male and female drivers. The price estimates are based on no claims or driving violations, comprehensive and collision coverage, $100 deductibles, drivers are single, and no other discounts are factored in.
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Better drivers pay better premiums – Your driving citation history influences premium rates substantially. Careful drivers receive lower rates as compared to careless drivers. Even a single speeding ticket or other violation can bump up the cost by twenty percent. People who have careless violations like DUI or willful reckless driving might be required by their state to prove financial responsibility with their state’s department of motor vehicles in order to prevent a license revocation.
The information below illustrates how traffic citations and accident claims increase Chrysler Sebring insurance costs for different age groups. The data is based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
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Mature drivers save more – More mature drivers are proven to be safer behind the wheel, tend to file fewer claims, and are safer drivers. Young drivers tend to be more careless when driving so they pay higher car insurance rates.
The data below is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.
When to talk to a local insurance agent
Certain consumers prefer to talk to a local agent and that is OK! An additional benefit of getting online price quotes is that you can find cheap rate quotes and still choose a local agent.
Once you complete this simple form, the coverage information is submitted to insurance agents in Lincoln who will gladly provide quotes for your car insurance coverage. You never need to even leave your home because prices are sent directly to you. You can find better rates without a big time investment. In the event you want to get a rate quote from a specific car insurance provider, you can always visit that company’s website and fill out the quote form the provide.
Selecting an provider requires more thought than just a low price. Any good agent in Lincoln should know the answers to these questions.
- Can they give you a list of client referrals?
- How experienced are they in personal risk management?
- Does the company have a local claim office in Lincoln?
- Do they have designations such as AIC, CPCU, or CIC?
- Is vehicle mileage a factor when determining depreciation for repairs?
- How much can you save by raising your physical damage deductibles?
- How many companies do they write for?
Types of auto insurance agents
When searching for a local Lincoln insurance agency, there are two types of agencies and how they differ in how they can insure your vehicles. Lincoln agents can be described as either independent agents or exclusive agents.
Exclusive Car Insurance Agencies
These agents are contracted to one company and examples are American Family, State Farm, and AAA. They are unable to provide other company’s prices so always compare other rates. Exclusive insurance agents are highly trained on their products and sales techniques which aids in selling service over price.
The following are Lincoln exclusive agents who can help you get rate quotes.
Karen Williams – State Farm Insurance Agent
233 N 48th St o – Lincoln, NE 68504 – (402) 434-6050 – View Map
Paul Johnson – State Farm Insurance Agent
5533 S 27th St #204 – Lincoln, NE 68512 – (402) 420-2288 – View Map
Allstate Insurance: Mitchell Happ
6100 S 58th St e – Lincoln, NE 68516 – (402) 420-5590 – View Map
Independent Agencies or Brokers
These agents are not restricted to one company and that is an advantage because they can write policies amongst many companies and potentially find a lower price. If they find a lower price, they simply move your policy to a different company and that require little work on your part. When shopping rates, we highly recommend that you contact several independent insurance agents to maximize your price options.
Shown below are Lincoln independent agents willing to provide comparison quotes.
Advantage Insurance Agency
505 N 27th St #2 – Lincoln, NE 68503 – (402) 484-5454 – View Map
Solid Ground Insurance LLC
6000 South 58th Street Suite C – Lincoln, NE 68516 – (402) 420-7654 – View Map
Davidson Insurance
5101 N 27th St – Lincoln, NE 68521 – (402) 465-1167 – View Map
Upon receiving answers to your satisfaction to these questions as well as inexpensive Chrysler Sebring insurance in Lincoln quotes, you’ve probably found a car insurance agent that can be relied on to properly insure your vehicles.
Do I just need basic coverages?
Always keep in mind that when comparing insurance from an agent or online, there isn’t really a single plan that fits everyone. Your financial needs are unique.
For instance, these questions might point out whether or not you would benefit from professional advice.
- Am I covered if hit by an uninsured driver?
- Does having multiple vehicles earn me a discount?
- Can I afford to buy a different vehicle if my Chrysler Sebring is totaled?
- Can I get by with minimal medical coverage if I have good health insurance?
- Is a new car covered when I drive it off the dealer lot?
- How much can I save by bundling my policies?
- Exactly who is provided coverage by my policy?
- Do I pay less for low miles?
- Is a blown tire covered by insurance?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form.
One last thing about your coverage
Affordable Chrysler Sebring insurance in Lincoln is definitely available from both online companies and from local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers don’t offer online rate quotes and these regional carriers provide coverage only through independent agencies.
Insureds who switch companies do it for any number of reasons including an unsatisfactory settlement offer, not issuing a premium refund, poor customer service and even policy cancellation. It doesn’t matter why you want to switch finding a new company can be pretty painless.
Throughout this article, we presented many ways to save on Chrysler Sebring insurance in Lincoln. The key thing to remember is the more times you quote, the higher your chance of finding inexpensive Lincoln auto insurance quotes. You may even find the lowest rates come from some of the lesser-known companies.
More detailed insurance information is available in the articles below:
- Preventing Carjacking and Theft (Insurance Information Institute)
- How Much are Auto Insurance Quotes for a Nissan Versa in Lincoln? (FAQ)
- State Car Insurance Guides (GEICO)
- How do I File a Claim? (Insurance Information Institute)