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For Buying Auto Insurance Online and comparing costs in all 50 states, visit the link shown below.
This page outlines the latest facts, stats, and rates pertaining to Nebraska auto insurance. Read on to score the cheapest premium package.
Average Auto Insurance Rates
The Average Annual Auto Insurance Premium for a vehicle owned in the state of Nebraska was around $1,188 last year, clearly lower than the national average, which was $1,347 at that time.
Nebraska's relatively low average premiums may be a function of the state's relatively low crime rates, low percentage of uninsured vehicles, low rate of fatalities from DUI and speeding, low population density, and a super strong economy.
Penalties for Uninsured Drivers
The penalty for getting ticketed while operating an uninsured car in Nebraska is license suspension until proof of car insurance is provided.
Uninsured Nebraska drivers also face fines, reinstatement fees, and jacked up annual premiums.
Minimum Liability Coverage
By state law, Nebraska car owners are required to purchase a minimum insurance coverage of 25/50/25 for each owned vehicle.
In other words, drivers in the state of Nebraska must have $25,000 in personal injury protection, $50,000 in coverage for death or injury to others, and $25,000 to cover the cost of property damage.
Insurance experts recommend 100/300 coverage per vehicle, in Nebraska and in all U.S. states, along with Uninsured Motorist (UMI) protection.
Despite the above mentioned legally required minimums, about eight percent of vehicles on Nebraska roads are uninsured.
Cost of Car Insurance
Nebraska drivers reduce car insurance premiums in a number of ways. For instance, most carriers offer discounts to encourage safe driving habits. Many discounts can be combined into a single policy. Available discounts include
Good Driver discounts,
Accident Free discounts,
Good Student discounts,
Senior Citizen discounts,
Multiple Policy discounts
Vehicle Safety discounts
and more. Other rate-reducing tactics include
Paying off annual premiums in advance
Accepting a slightly raised deductible
Living alone, or with low-risk drivers
Not driving for three years, thus creating a perfect, mishap-free "driving" record.
Based on recent consumer reports, the most popular auto insurance carriers in Nebraska are Acuity, Allianz, Farmers Mutual, Amica Mutual, Geico, Travelers, Nationwide, State Farm, Progressive, Farmers and American Family Insurance.
For Buying Auto Insurance Online, start by obtaining five or six FREE online quotes.
Then call a few agents in your area for more free quotes. When you speak to an agent, apply for every possible discount.
Then simply factor in the discounts, compare rates, and select the cheapest premium package.
That's all it takes to save hundreds of dollars every year on car insurance.
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