Paxton Auto Insurance Rates, Quotes, Agents & Reviews in NE

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.

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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 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