Everyone wants to save money, and your car often makes up a major chunk of your monthly budget. Fortunately, there are quite a few ways to reduce those costs with a little smart planning. One of the best ways to save is to make sure you’re not overpaying for car insurance. Northeast Nebraska Insurance agents specialize in finding the best policies from various insurance providers in your area, and we’re happy to share a few clever ways to save on your car insurance policy.
Get Lifestyle Discounts on Your Car Insurance
- Low Mileage
- Safe Driving
- Safety Feature Discounts
- Profession-Based Discounts
- Good Student Discounts
Most insurance providers today offer certain discounts if your lifestyle is safer than the average driver, or if you belong to a specific profession. Your insurance company will send you an onboard diagnostic (OBD or OBDII) plugin that can show your monthly miles and how safely you drive (speed, braking, turn velocity, etc.), and light driving can get you a discount.
You can also get a discount if your car has certain safety features. Nurses, teachers, and veterans often get a discount, and young drivers can sometimes get a discount for good report cards or college GPAs.
Get Policy Discounts on Your Car Insurance
- Bundle Policies (House, Car, Travel, etc.)
- Customer Loyalty Rewards
- Upfront Annual Payment
The way you manage your insurance account can also sometimes earn you a few opportunities to save. Bundling is always a good idea, getting policies for home insurance, car insurance, and so on from the same provider. Being a long-time customer might also provide benefits.
You can almost always find some savings by paying the entire year’s insurance cost upfront, versus paying month to month.
Financial Ways to Save on Car Insurance
- Increase the Deductible
- Improve Your Credit Score
There are also a few ways you can handle your finances that will reduce the cost of car insurance. Increasing your deductible (how much you pay for repairs before insurance kicks in) can reduce the cost of your policy. Insurance rates also tend to go down if you improve your credit score.
Optimize Your Car Insurance Coverage
Don’t forget to optimize your coverage when building a new policy. Don’t pay for coverage you don’t need, but don’t skip the coverage that matters. If you drive very little, you can also consider a pay-per-mile plan (with that OBDII plugin) so that you only pay for the amount you travel and can’t be charged based on commuter averages risk levels.
Save on Car Insurance with Northeast Nebraska Insurance
Here at Northeast Nebraska Insurance, our priority is helping you find the best policy.
Northeast Nebraska Insurance agents are independent agents, which means we do the work for you to shop through various insurance companies to find you the best deals and options. We’ll help you pick the right insurance provider and tailor your policy to perfectly balance the coverage you need at the best cost.
Contact your local independent Nebraska Insurance agent to find out how you can save money on your car insurance.