The state of Nebraska requires all vehicle owners to carry car insurance. Your policy must include liability coverage to pay for third-party property damage and bodily injuries if you are responsible for an accident. It must also include uninsured motorist insurance in case you are injured in an accident with an uninsured driver. Coverage for damage to your own vehicle or for injuries sustained by you and your passengers is optional.
While Americans pay an average rate of $1,311 a year for their car insurance, in Nebraska, the average cost is just $1,112. Insurance rates are based on a number of factors such as your age, occupation, driving record, and details about your car, including its make and model. Your rate can even be influenced by your credit score. Independent agents can help you acquire and compare a selection of quotes so you can be sure you are getting your policy at a competitive rate.
My auto insurance was the highest it had ever been, so I thought it was time to shop around for a change. TrustedChoice.com came up on my google search, so I thought I would give them a try. I was contacted the same day by an agent who was surprisingly only a few miles from me. We chatted for a bit to understand what I was looking for, and he was able to find me a better match than my current insurance effortlessly. I have referred them to few friends and will continue to do so.Mark of North Platte, NE Consumer Affairs
Failure to carry a car insurance policy that meets or exceeds Nebraska’s minimum coverage requirements can result in fines and the suspension of your driving privileges. A minimum-coverage policy will not cover damage to your vehicle. That is why many lenders will require you to also include collision and comprehensive coverage while you are still paying for your car. You can expect a typical Nebraska car insurance policy to provide the following:
If you currently owe more for your vehicle than it is worth, you may want to talk to your insurance agent about how gap insurance can provide an added layer of protection in the event that your vehicle is totaled.
There are currently 294 independent insurance agents in Nebraska who are ready to help. Independent agents are free to work with several different insurance companies, so they can provide you with a variety of customized car insurance quotes that you can review and compare. Let a local independent agent help you find the most affordable policy to meet your auto coverage needs.