Hitchcock County, NE Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Hitchcock County, NE, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Find Best Car Insurance in Hitchcock County, NE
In Hitchcock County, Nebraska, the average cost of car insurance is $1,243. Your car insurance rates in Hitchcock County, Nebraska, are determined after carefully examining a number of variables. Car insurance is a significant purchase. These include your credit history, age, gender, and a number of other things, in addition to your driving record. In Hitchcock County, Nebraska, there are numerous ways to receive reductions on auto insurance prices. This article will inform you about the costs of automobile insurance and offer suggestions for reducing them in Hitchcock County, Nebraska.
1. Credit History
Most people know that their credit score can affect their ability to get a loan, but did you know that it can also affect your car insurance rates? Credit history is important for Hitchcock County, Nebraska, car insurance rates. Insurance companies use credit scores to help determine how likely you are to file a claim. If you have a good credit score, you’re less likely to file a claim, so you’ll get a lower rate. If you have a bad credit score, you’re more likely to file a claim, so you’ll get a higher rate. In Hitchcock County, Nebraska, car owners with exceptional credit scores have to pay $1,066, while those with poor credit must pay $2,027. Therefore, the better your credit score, the lower your car insurance rates.
2. Age of the Driver
The age of the driver is an important factor in car insurance rates. In general, the younger the driver, the higher the rates. This is because younger drivers are considered to be more of a risk on the road. They are more likely to be involved in accidents and make insurance claims. As a result, insurers charge higher rates for younger drivers. For example, teenagers in Hitchcock County, Nebraska, pay $4,033 for car insurance, whereas older drivers aged 40 years in that same county pay $1,184.
3. Clean driving History
In Hitchcock County, Nebraska, car insurance rates will be lower if you have a clean driving history. Insurance companies take into account your past driving record when they set your car insurance rates. Your rates will be higher if you have been involved in accidents or have had traffic violations. In Hitchcock County, Nebraska, speeding or running a red light will increase your premiums by +$305 and +$290. Therefore, maintaining a good driving record is essential to keep your auto insurance rates low in Hitchcock County, NE.
Factors that can influence the cost of car insurance in Hitchcock County, NE are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Hitchcock County, NE Auto Insurance Rates
- Hitchcock County, NE Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Hitchcock County, NE
- Multi Vehicle Insurance Savings in Hitchcock County, NE
- How Credit Score Affects Car Insurance Rates in Hitchcock County, NE
- How DUI Affects Auto Insurance Premiums in Hitchcock County, NE
- Top Auto Insurance Agents Near Hitchcock County, NE
- How Driving Violations Affect Auto Insurance Rates in Hitchcock County, NE
- Hitchcock County, NE Auto Insurance Discounts on Anti Theft Feature
Hitchcock County, NE Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Hitchcock County, NE with that of other cities in and around Hitchcock County.
| Hitchcock County | Upper Driftwood | Starkey | Freedom | Beverly | Trenton | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,243 | $1,932 | $1,229 | $1,995 | $1,336 | $1,232 |
Hitchcock County, NE Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Hitchcock County, NE based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Hitchcock County | $1,433 | $1,210 |
| Trenton | $1,338 | $1,130 |
| Ridnour | $1,271 | $1,074 |
| Starkey | $1,266 | $1,069 |
| Upper Driftwood | $1,990 | $1,681 |
| Beverly | $1,017 | $859 |
| Freedom | $2,055 | $1,736 |
| Cornell | $1,947 | $1,644 |
Hitchcock County, NE Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Hitchcock County, NE usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,033 |
| 20 Years | $1,597 |
| 30 Years | $1,230 |
| 40 Years | $1,184 |
| 50 Years | $1,096 |
| 60 Years | $1,111 |
| 70 Years | $1,294 |
Hitchcock County, NE Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Hitchcock County, NE can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,113 | $373 |
| 3 Vehicles | $3,170 | $559 |
| 4 Vehicles | $4,226 | $746 |
Savings on 2 Vehicles bundle:$373
Savings on 3 Vehicles bundle:$559
Savings on 4 Vehicles bundle:$746
Hitchcock County, NE Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Hitchcock County, NE.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Hitchcock County | $1,243 | $1,828 |
| Trenton | $1,232 | $1,812 |
| Ridnour | $2,104 | $3,095 |
| Starkey | $1,229 | $1,808 |
| Upper Driftwood | $1,932 | $2,842 |
| Beverly | $1,336 | $1,965 |
| Freedom | $1,995 | $2,934 |
| Cornell | $1,890 | $2,780 |
Hitchcock County, NE Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,066 |
| Excellent (740-799) | $1,217 |
| Good (670-739) | $1,295 |
| Average (580-669) | $1,690 |
| Poor (300-579) | $2,027 |
Hitchcock County, NE Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Kristie Baker | State Farm | 201 W 4th St, McCook, 69001-3628 | 308-345-3400 |
| Trenton Agency, Inc. | None | 437 Main Street, Trenton, 69044 | None |
| Linda Maiden | State Farm | 611 Paxton Street Suite A, Cambridge, 69022 | 308-697-3810 |
| Maywood Insurance Agency | None | 123 S Commercial St, Maywood, 69038 | None |
| Mnb Insurance Services | None | 413 Chief St, Benkelman, 69021 | None |
| Hometown Agency | None | 609 Locust Arapahoe, Cambridge, 68922 | None |
| Wilkinson Ins Agcy | None | 309 Center Avenue, Curtis, 69025 | None |
Hitchcock County, NE Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$55 | $1,298 |
| Driver's Failure In Showing Documents | +$121 | $1,364 |
| Driving With An Expired Registration | +$128 | $1,371 |
| Driving At A Considerably Slow Pace | +$270 | $1,513 |
| Using A Cellphone While Driving | +$285 | $1,528 |
| Running A Red Light | +$290 | $1,533 |
| Speeding | +$305 | $1,548 |
| Driving A Vehicle Without The Required Permission | +$387 | $1,630 |
| Driving With An Expired/Suspended License | +$838 | $2,081 |
Hitchcock County, NE Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,193 |
| Active Disabling Device | $1,193 |
| Tracking Device | $1,168 |
| Passive Disabling Device | $1,156 |