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This page outlines the latest facts, stats, and rates pertaining to Nebraska auto insurance.
Read on to score the cheapest possible annual premium package on your Nebraska car insurance.
Shown above: "Carhenge" near Alliance, Nebraska
The Average Annual Auto Insurance Premium for a vehicle owned in the state of Nebraska was around $856 for this year, a bit lower than the national average, which was about $942 over the same time period.
Nebraska's relatively low average premiums may be a function of any or all of the following factors:
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.
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.
United States insurance experts recommend 100/300 injury coverage per vehicle, in Nebraska and in all U.S. states, along with Uninsured Motorist (UMI) protection.
Despite the above mentioned legally required minimums, roughly eight percent of vehicles on Nebraska roads are uninsured.
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
There is no limit to the number of discounts you can have on your policy. So ALWAYS ask about the discounts! Grab every discount you qualify for. They really do add up to significant savings on annual auto insurance premiums.
Other rate-reducing tactics include
Based on recent consumer reports, the most popular auto insurance carriers in the state of Nebraska are
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 each agent, inquire about every possible discount.
Then simply factor in the discounts, compare rates, and select the cheapest premium package that works for you.
That's really all it takes to save hundreds of dollars every year on car insurance.
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