PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
What is the cheapest insurance in Nebraska?
I've been with State Farm for years for my two sons' car insurance. I decided to shop around. I got a quote from GEICO and my insurance was about a third of the price (I also changed my deductible from $250 to $1,000 on full coverage). Why would this be?
Gracie Hanson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Switching carriers and changing your coverage levels will definitely affect your car insurance rate, and your current company
State Farm
may not always offer you the best rate in the future.Let’s start with shopping around: Whether you’re with State Farm,
GEICO
, or any other insurance company, you could find savings on your insurance by shopping around. You can switch carriers any time
, and experts recommend that you shop around every six months
.Here’s how it works: Each insurance company has an
analytics department
that helps them determine risk (and thus prices) based on where you live, your driving record, and a number of other factors. This is why—beyond obvious factors like traffic violations or rising rates of auto theft in your neighborhood—there are no clearly defined reasons why one company’s policy would be cheaper than others. The only way to find the lowest possible rate for your current situation is to continuously shop for
car insurance quotes online
.Finally, dropping your deductible can make a drastic difference in the price of your policy. Even changes to your
liability insurance coverage
can make the price fluctuate, and that may be the reason why GEICO is so much cheaper for you at this point in time.MORE: Checklist for switching car insurance companies
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance for Your Car
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
