Paxton, NE Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Paxton, 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.
Buy Cheapest Auto Insurance in Paxton, NE
Auto insurance is required in Paxton, NE, to provide financial protection in the event of an accident or damage to property. It also helps cover medical expenses for those involved in an accident and can help pay for damages to other people’s vehicles or property if you are at fault. Lastly, auto insurance helps protect you from financial responsibility if you cause an accident involving injury or death.
The average cost of car insurance in Paxton, NE, is $1,270. The cost of auto insurance in Paxton, NE, will depend on several factors, including your driving record, age, and the vehicle you drive. It's important to shop around to find the best rates. To get started, you can compare quotes from multiple providers online. Additionally, you may want to reach out to local insurance agents to discuss the options available to you in Paxton, NE. Here are a few elements that affect how much auto insurance costs in Paxton, CE.
By obeying Driving Regulations
obeying driving regulations can help reduce the auto insurance rate in Paxton, NE. Insurance companies consider many factors when calculating auto insurance rates, including driver driving records. Drivers with a clean driving record will generally pay lower premiums than those with a history of traffic violations and accidents. Additionally, following the speed limit, avoiding aggressive driving, and maintaining a safe driving distance can help reduce auto insurance rates. For example, the total cost of auto insurance in Paxton, NE, will increase by +$296 and +$856, respectively, if a driver runs a red light or has their license suspended.
Refer to the graph below to understand the car insurance rates per driving violation in Paxton, NE.
Auto Insurance Rates Based on the Age of the Driver
In general, younger drivers pay more for auto insurance than older drivers do. This is due to a few factors. First, it's widely believed that younger drivers are riskier than older ones. This is because there is a higher chance that they will be in an accident. Second, younger drivers typically have less experience behind the wheel. Additional accidents may result from this. For example, in Edgewood, Iowa, teenagers pay $4,121, while drivers over the age of 40 pay $1,209 for auto insurance.
By availing of Multi-Car Discounts
By insuring all of your vehicles with the same company, you can avail of significant discounts that can help you save a lot of money on your premium. For example, car owners in Paxton, Nebraska, pay $2,210 for two cars and $3,315 for three. They can reduce their Paxton, NE, auto insurance rates by between $330 and $495. There are many benefits to availing of multi-car discounts. For one, it can help you save a lot of money on your premium. The discount can be as much as 25% off your total premium if you have two or more vehicles. Insurance companies often give lower rates to customers who insure more than one vehicle. This is because they view these customers as less of a risk. As such, you can get a much lower rate if you insure multiple vehicles with the same company.
Factors that can influence the cost of car insurance in Paxton, 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.
- Paxton, NE Auto Insurance Rates
- Paxton, NE Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Paxton, NE
- Multi Vehicle Insurance Savings in Paxton, NE
- How Credit Score Affects Car Insurance Rates in Paxton, NE
- How DUI Affects Auto Insurance Premiums in Paxton, NE
- Top Auto Insurance Agents Near Paxton, NE
- How Driving Violations Affect Auto Insurance Rates in Paxton, NE
- Paxton, NE Auto Insurance Discounts on Anti Theft Feature
Paxton, NE Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Paxton, NE with that of other cities in and around Paxton.
| Paxton | Hershey | Whitetail | Sutherland | Keith County | Keystone | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,270 | $1,320 | $1,282 | $1,672 | $1,290 | $1,722 |
Paxton, 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 Paxton, 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) |
|---|---|---|
| Paxton | $1,367 | $1,154 |
| Sarben | $1,990 | $1,681 |
| Sutherland | $1,040 | $879 |
| Keystone | $1,774 | $1,498 |
| Roscoe | $2,055 | $1,736 |
| Keith County | $1,042 | $880 |
| Whitetail | $1,934 | $1,634 |
| Hershey | $1,396 | $1,179 |
Paxton, NE Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Paxton, 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 | $4,121 |
| 20 Years | $1,632 |
| 30 Years | $1,257 |
| 40 Years | $1,209 |
| 50 Years | $1,120 |
| 60 Years | $1,135 |
| 70 Years | $1,322 |
Paxton, NE Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Paxton, 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 | $2,210 | $330 |
| 3 Vehicles | $3,315 | $495 |
| 4 Vehicles | $4,420 | $660 |
Savings on 2 Vehicles bundle:$330
Savings on 3 Vehicles bundle:$495
Savings on 4 Vehicles bundle:$660
Paxton, 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 Paxton, NE.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Paxton | $1,270 | $1,868 |
| Sarben | $1,932 | $2,842 |
| Sutherland | $1,672 | $2,459 |
| Keystone | $1,722 | $2,533 |
| Roscoe | $1,995 | $2,934 |
| Keith County | $1,290 | $1,897 |
| Whitetail | $1,282 | $1,886 |
| Hershey | $1,320 | $1,941 |
Paxton, 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) | $1,090 |
| Excellent (740-799) | $1,244 |
| Good (670-739) | $1,323 |
| Average (580-669) | $1,727 |
| Poor (300-579) | $2,072 |
Paxton, 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 |
|---|---|---|---|
| The Pinnacle Agency | Allstate | 201 E Second St, Ogallala, 69153 | None |
| Western Insurors Of Ne | None | 131 Walnut St , Sutherland, 69165 | None |
| The Writer Agency, Llc | None | 55 River Rd Ste 4, Ogallala, 69153 | None |
| Heinzen Insurance Agency Llc | Travelers | 419 W 4TH ST, NORTH PLATTE, 69101 | 308-532-6264 |
| Jack Morris | State Farm | 810 W Reid Ave Ste 3, North Platte, 69101-6582 | 308-532-3500 |
| Neverve Insurance Agency | None | 116 W 6Th St, Ogallala, 69153 | None |
Paxton, 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 | +$56 | $1,326 |
| Driver's Failure In Showing Documents | +$123 | $1,393 |
| Driving With An Expired Registration | +$131 | $1,401 |
| Driving At A Considerably Slow Pace | +$276 | $1,546 |
| Using A Cellphone While Driving | +$291 | $1,561 |
| Running A Red Light | +$296 | $1,566 |
| Speeding | +$311 | $1,581 |
| Driving A Vehicle Without The Required Permission | +$395 | $1,665 |
| Driving With An Expired/Suspended License | +$856 | $2,126 |
Paxton, 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 | $1,219 |
| Active Disabling Device | $1,219 |
| Tracking Device | $1,194 |
| Passive Disabling Device | $1,181 |