Nebraska Auto Insurance

Posted by Harry Wagner

Are you shopping for cheap Nebraska car insurance? If you are approaching the end of your term and you are tired of paying high rates for auto insurance in NE, now is the time to take action. Simply enter your zip code in the field at the top of the page, enter your personal information, and you can access Nebraska auto insurance quotes from all of the top insurers licensed in the state. With this advanced tool, you do not have to call agencies, visit several websites, and take a long lunch to visit a high-priced brokerage.

Nebraska Car Insurance Laws and Requirements

In Nebraska, all motorists on public roads are required to carry valid and active auto insurance. While some drivers choose to self insure by posting a bond with the state, most drivers do not have the resources to do this and will choose to invest in liability insurance. If motorists fail to comply with the state’s financial responsibility laws, they may face heft fines and other serious punishments. Here are some of the possible penalties for failure to maintain continuous liability coverage:

  • A fine of up to $500
  • Suspension of your driver license
  • Suspension of your vehicle registration
  • Reinstatement fees to reinstate either of the above
  • Requirement to file an SR-22 which will raise your auto insurance rates

All motorists driving private passenger vehicles are required to carry liability insurance. Liability insurance consists of both Bodily Injury and Property Damage cover. Each of these coverage options will pay a third-party claimant in the event that you cause injuries or damages in an accident. State minimums required in Nebraska are as follows:

  • Bodily Injury: $25,000 per person, $50,000 per accident
  • Property Damage: $25,000 per accident

While these are the requirements, all motorists should invest in higher limits to protect themselves from lawsuits. As a wise consumer, you should also consider investing in Uninsured Motorist protection to ensure that you are covered if you are hit by a driver without insurance. With more than 8% of drivers in Nebraska driving around without insurance, carrying this optional cover is wise and practical.

Tips to Find Cheap Car Insurance in NE

You do not have to sacrifice your level of protection on the road just to find cheap car insurance. With all of the different discounts offered, you can save money and increase your coverage limits at the same time. Here are a few ways to keep your Nebraska auto insurance quotes low:

  • Let your agent know about aftermarket alarms
  • Never overestimate the number of miles you drive annually
  • Purchase home, life, or health insurance from the same company
  • Insurance more than one car with the same insurer

You can find cheaper and better auto insurance when you use the rate comparison tool above. Consider the reputation of the insurer, claims filing procedures, and the cost of the policy to make the best investment. By comparing rates on this site, you can save money without investing a lot of time.