Nebraska Car Insurance
Nebraska car insurance is just one of those things you can’t do without if you own and operate a vehicle in the state of Nebraska. Car insurance is easy to find; however, finding the best deal requires a little more work. With a little knowledge on your side, you can be on your way to finding the best deal possible for your Nebraska auto insurance needs.
Nebraska Car Insurance Minimum Requirements
Every state requires some form of proof that the owner of a vehicle is financially responsible, in case of an at-fault accident. In most states, that simply means that some amount of car insurance is required. Nebraska is no exception.
However, minimums are just that. They may not be sufficient to cover all the liability involved in an accident, so you may want to choose higher limits for your policy.
The minimum requirements for insurance in Nebraska are referred to as 25/50/25, which simply means:
- $25,000 bodily injury liability coverage per person injured in an at-fault accident
- $50,000 bodily injury liability coverage in total per accident
- $25,000 property damage liability per accident
Nebraska Car Insurance Discounts
Every insurance company in the marketplace today offers discounts to its customers based on a variety of things. Each company has a different list of discounts available, some are similar but many are not. Some discounts you will find include:
- multiple car discounts
- low mileage
- drivers education discount
- good student
- membership in various organizations
- anti-theft devices
- multiple lines of insurance with the same company
- factory-installed safety devices
- new car discount
- economy car
- payment plans
Other things affect the rate you pay also, like the kind of car you drive, your driving record, your credit score, where you live, your age, gender, marital status and what you use your car for.
Tips For Deals On Nebraska Car Insurance
Shopping for Nebraska car insurance can take time and be confusing. However, there are several things to keep in mind when you are looking for great deals on NE car insurance.
- Increase your deductibles on collision and comprehensive car insurance in order to reduce your premiums.
- If your vehicles are older, look at their book value and compare it to how much you are paying for collision and comprehensive coverage and the deductibles involved. It may be time to remove that coverage.
- Ask your agent if you have all the discounts that you are possibly eligible for.
- Shop around. It is important to check several companies and their prices before you make a decision because there can be a huge difference depending on many factors.
- Review your plan yearly. Online quote tools make it fast and convenient to check rates before you renew.
Nebraska Car Insurance Companies
There are a wide variety of companies, which offer car insurance in the state of Nebraska. Some of the best known ones include:
- Allstate
- State Farm
- GEICO
- Nationwide
- 21st Century
- AIG
- Infinity
- Progressive
- Sentry
- Farmers
- Liberty Mutual
How To Find The Best Nebraska Car Insurance Company
Before you take the final step and get a new Nebraska car insurance policy, be sure to check out the company you are planning to use. There are several ways to do so.
- Check the company’s customer service record by doing an online search. It will reveal if the company pays claims quickly or not and how they treat their customers in general.
- Check out the rating the insurer has with the independent insurance rating companies. These companies, like A.M. Best, Moody’s or Standard and Poor’s, evaluate the financial stability of all insurance companies. Ideally your new insurer should have an A or better rating.
- Check any potential companies out with the Nebraska Department of Insurance (especially if the auto insurer is a smaller company that is not very well known).
Get A Nebraska Car Insurance Quote
Getting a Nebraska car insurance quote has completely changed since online quote tools have become available. You no longer have to make phone call after phone call repeating the same information over and over. You don’t have to waste valuable work or school time shopping around. It can be done from your own house, whenever you want in a matter of minutes.
You can get your Nebraska car insurance quote right now by using the quote tool found at the top of this page. Simply return to the box you see above, enter your zip code and in no time you’ll have multiple quotes from a variety of top insurers in your area.
Get started comparing NE auto insurance quotes online now!