How to get the Cheapest Auto Insurance in town!

There's no trick to finding websites that will let you compare car insurance prices between several different insurance companies operating in Nebraska or Iowa. But finding these sites is just one piece of the puzzle.

Before you waste your time making comparisons it would pay you to know what you are comparing. In other words, you need to take a few minutes to list all of the different ways you might be able to reduce the cost of your insurance before you actually start comparing prices.

So, you say, what can I do to lower the cost of my car insurance? Glad you asked, there are actually several things you can do.

The biggest thing you can do is to simply drive legally and safely at all times. If you routinely speed or drive recklessly and you get a ticket, your car insurance premiums are going to go up – sometimes they can go up a lot, depending on your age and the severity of your violation.

If you drive while intoxicated or otherwise impaired and you get caught, your car insurance premiums may jump up 50% or more. If you receive a second DUI or a DWI conviction you'll go higher still.

If you have other types of insurance, such as homeowner's or health insurance from the same insurance company make certain that you are getting your Multiple-Policy Discount.

Do you drive an older car? Is your car so old that it is no longer listed in the Kelly Blue Book of car values? If your car has little or no Kelly Blue Book value then don't waste money paying for collision or comprehensive coverage on your policy.

If you're under 25 years of age then you're in a higher-risk pool and your premiums are higher than they would be if you were over the age of 25. You can get at least a 5% discount on your rates if you stay in school, study hard, and maintain at least a "B" grade average so that you qualify for the Good Student Discount.

Is your car parked in a garage at night? If so you are entitled to a special discount on your insurance.

Do you only drive on occasion? If you put fewer than 500 miles on your car in an average month you should talk to your agent about getting a Low-Mileage Discount on your insurance.

Are you 55 or older? If so you could qualify to take a special driver's refresher course. If your car insurance company offers this discount it could save you 10% or even 15% on your premium each and every month.

How big of a deductible can you afford? Be honest with yourself, because if you file a claim you're going to have to come up with your deductible in cash before your insurance company will pay anything toward fixing your car. Just remember, the higher your deductible the lower your monthly premium payment will be.

O.K., now you're ready to get online and start comparing prices for your policy at a variety of different insurance companies. You can start here.

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