Just because you are a good driver doesn’t mean you will get a big cut on your auto insurance rate. Ken Davidson is an insurance industry expert and says companies in Nebraska and every other state take many factors into consideration.
Davidson says, “One of the items they use is insurance scoring. It isn’t the same as a credit score but it does look at spending patterns and if you are late on your bills. Some a bit more than others. There are tons and tons of studies that show direct correlation between driving habits, claims and frequency that correlate with insurance scores.”
Davidson says they also take into consideration your zip code and whether you live in a rural or urban area. They also look at age and the type of vehicle owned.
Davidson says one of your best bets is to find an independent agent that represents several insurance companies and will hunt for your best deal. He says individual companies typically have one set rate and that is what you will pay.