Sick and tired of paying out the nose each month for car insurance? You’re in the same situation as millions of other consumers. Multiple insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive best rates possible.
Smart consumers take time to compare prices once or twice a year because rates are variable and change quite frequently. Even if you think you had the best rates six months ago you will most likely find a better rate today. So ignore everything you know about auto insurance because you’re about to learn the best way to find better rates and still maintain coverage.
Auto Insurance Prices in Nebraska City, Nebraska
Performing a rate comparison can be a daunting task if you don’t understand the most efficient way. You could spend the better part of a day driving to insurance companies in Nebraska City, or you could save time and use online quotes to achieve your goal.
Most of the larger companies take part in a program where prospective buyers send in one quote, and at least one company can provide price quotes determined by their information. This system prevents you from having to do quote forms to every company.
To compare pricing click here (opens in new window).
The only drawback to doing it this way is you are unable to specify the providers you want pricing from. So if you want to select individual companies to compare, we have a page of low cost auto insurance companies in Nebraska. Click to view list.
It’s up to you how you get prices quotes, just make darn sure you compare the exact same coverages with every price quote. If you use higher or lower deductibles then you won’t be able to decipher which rate is best in Nebraska City.
Lower rates by qualifying for these six discounts
Car insurance companies don’t always publicize every available discount in an easy-to-find place, so we researched some of the more common and the more hidden discounts you could be receiving. If they aren’t giving you every credit available, you are throwing money away.
- Paperless Signup – Some insurance companies will discount your bill up to fifty bucks simply for signing online.
- Senior Discount – If you qualify as a senior citizen, you may receive a small decrease in premiums.
- Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can qualify for discounts of 20% or more.
- Organization Discounts – Affiliation with certain professional organizations is a good way to get lower rates on auto insurance.
- Resident Student – Youth drivers who are attending college without a vehicle on campus can receive lower rates.
- Discount for New Cars – Insuring a new car is cheaper since new cars are generally safer.
Keep in mind that most discounts do not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, auto insurance companies aren’t that generous.
To see a list of providers with the best auto insurance discounts in Nebraska, follow this link.
Coverage specifics
Learning about specific coverages of auto insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most auto insurance policies.
Comprehensive coverage (or Other than Collision)
This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as falling objects, a tree branch falling on your vehicle, rock chips in glass, a broken windshield and damage from getting keyed. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance kick in for expenses like X-ray expenses, surgery and dental work. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your vehicle.
Because many people only carry the minimum required liability limits (which is 25/50/25), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Auto liability insurance
This coverage can cover damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.
Liability coverage pays for things such as court costs, funeral expenses, medical expenses and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. Nebraska state minimum liability requirements are 25,000/50,000/25,000 but drivers should carry higher limits.
Collision coverage
This coverage covers damage to your vehicle from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for things such as rolling your car, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.
More tips and info about auto insurance can be read at the Nebraska Department of Insurance website. Nebraska consumers can report car insurance fraud, learn about specific coverages, and discover disciplinary actions.