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The average cost of car insurance in Nebraska is around $701, but you can get a policy for a lot less if you know where to look. Not everyone can get the same insurance policy as their neighbors or friends, but there are ways you can lower your own policy to either beat this or at least beat what you’re paying now. Nebraska drivers want to pay less for their car insurance, but they aren’t always positive where to look and how to achieve a lower rate. There are always options available for drivers, but you might not be able to lower your rates as much as you’d like if you have bad credit or a poor driving history.

Your credit is one of the most important factors a car insurance company considers when offering you a policy. Your bill payments, your credit utilization, and many other factors found on your credit report tell insurance companies a story about how reliable and responsible you are. If you can’t make your bill payments on time, there is a greater chance you will cost the company more money. This is why they charge you more money for insurance if your credit is poor. You won’t be denied an insurance policy, but you will pay far more for one than many other drivers in the same area.

Your driving history is the other most important thing insurance companies look for when offering you a rate, and that’s just common sense. They want to know if you have a long history of speeding, causing accidents, or being involved in accidents. If you have good credit and a clean driving record, you might be able to get a much lower rate for your insurance premium using a few of these tips.

Join Professional Organizations

Are you part or a professional organization such as AAA or the farm bureau? If you are and you live in Nebraska, you might qualify for lower rates for your insurance premiums. All you have to do is let your insurance company know and provide them with proof of your membership to ensure you get the discount offered.

Pay Your Bills Upfront

Rather than making the decision to pay your insurance using a monthly payment method, pay it six months or a year in advance. This is a great way to save for several reasons. The first is most insurance companies offer a discount for these people. You get a discount for paying upfront because they’re getting their money without worrying you won’t pay one month.

Additionally, may insurance companies charge you a monthly fee to bill you and debit your fee from your bank account. You can also opt to have all your statements and communication sent to you via email rather than standard mail. This is a savings to you. You could save hundreds each year by offering to have your paper correspondence ended and by paying upfront.

Check Rates Everywhere

You needn’t call every single one of the dozens of insurance companies in Nebraska to find the one with the lowest rates, but you should find several and compare prices at all of them. Some have different requirements and stipulations than others, and this means they offer different rates. You can also ask your own insurance company for a discount simply because you’re a good customer. If they know you’re looking around for some lower rates, they might offer to match those or beat them so they can keep you on board if you’ve been a loyal customer to them.

Finding the best rates isn’t always difficult, but it’s more of a challenge for those who have a negative credit history or a poor driving record. You can’t change the rates offered to you with these, but you can start making better life decisions and hopefully pay lower rates in later years as a result. Now is the time to get serious about finding lower rates and paying smaller bills. Talk to your insurance company to find out if there are any options available to you for a lower rate, and you might be surprised how many are.