Cheap Nebraska Auto Insurance

If you’re looking into cheap Nebraska car insurance, you’ll find that understanding the laws and common practices to be pretty substantial. Under Nebraska law, insurance companies may exclude a driver in your household from inclusion on your auto insurance policy. In fact, the auto insurance company may make this request for persons with a poor driving history which pose a higher risk. A college student who lives away from home and does not have access to a vehicle may be excluded. If a driver is excluded from the policy, they have no liability coverage but you still have the liability exposure if they drive one of your vehicles and get in an accident. All exclusions must be either stated in the policy or on an endorsement.

The state of Nebraska allows insurance companies to check your credit history when they set your premiums and determine whether they will insure you. The company may ask you to explain any bankruptcies, judgments, or credit problems. The insurance company will also use other criteria such as your driving record, age, type of vehicle you drive and the area where you live to determine your premium rates.

Nebraska is a tort state which means you can be personally sued for injuries, deaths, and damages beyond the amounts your insurance policy covers, so it’s important to factor that in when a person is looking for cheap auto insurance in Nebraska. Insurance premiums in the state average about $584.00. Nebraska has the 46th most expensive auto insurance premiums in the nation as of 2006. The lowest premiums available in Delaware are for the minimum mandatory coverage and most often are given to the single young female driver.

Nebraska does have laws in place against talking and texting while operating a vehicle on Nebraska roads. The law applies to individuals under the age of 18, and this is important, as a person has to obey the laws to maintain a cheap auto insurance policy in Nebraska. The person must be pulled over for another traffic violation but cell phone use charges can be applied to that violation once the stop has been made. The law includes PDA’s cell phones, messaging devices, audio-video players that send or receive messages and laptop computers.

Some things you can do to reduce your premiums are to maintain a clean driving record, and drive a vehicle with a good safety rating. If you have a teenage driver, it may be less expensive to include them on the family policy. Stress with them the importance of maintaining good grades and a clean driving record as these will help to defray the cost of premiums, as most people need to consider driving safely to keep up with their cheap Nebraska auto insurance policy.

The state also gives discounts for anyone who has taken and passed a driving safety course, as well as other things that heighten the chance for cheap auto insurance in Nebraska. It will be more expensive to insure a luxury car or a sports car. You should also keep in mind that insurance premiums will be higher on vehicles which are a high priority for thieves. The cars that made the top 10 stolen vehicles in Nebraska are:

1. 1988 Chevrolet C/K 1500 Pickup (full size)
2. 1998 Ford F150
3. 1992 Oldsmobile Cutlass
4. 1990 Ford Taurus
5. 1994 Jeep Cherokee/Grand Cherokee
6. 1991 Chevrolet Blazer
7. 1990 Buick LeSabre
8. 1992 Ford Explorer
9. 1989 Buick Century
10. 1987 Chevrolet Caprice

Even if you may not have a great driving history, there’s still a chance that you can get a better quote for your vehicle. We’ve helped plenty of people find something worthwhile, and we feel as if we can help everyone save some money. If you’re looking for something impressive, you’ll find that our free quote tool is a great way to start!

Useful links:
Nebraska Division of Motor Vehicles
Nebraska Division of Insurance
Nebraska Department of Revenue

Bodily Injury Liability Per Person: $25,000.00 Limit
Bodily Injury Liability Per Accident: $50,000.00 Limit
Property Damage Per Accident: $25,000.00 Limit
Underinsured Liability: $25,000.00 Limit
Uninsured Lialbility: $50,000.00 Limit

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