While several people who live in Nebraska believe their auto insurance policies are the same as most other states, this isn't the case. Those who need Nebraska auto insurance should make sure that they understand everything that involves their coverage for a vehicle. We want to help you with this today, so you aren't left paying additional fees, wasting time, or even getting a suspension as a result.
#1 So what is Mandatory?
Every state has specific requirements that must be met in order to get coverage. Purchasing Nebraska auto insurance isn't any different. If you want to drive a motor vehicle in the state then you have to hold liability coverage at a minimum. Here are the mandatory specifications surrounding liability insurance in the state of Nebraska:
* $25,000 for bodily injury or death of one person in an accident
* $50,000 for bodily injury or death of two or more people in one accident
* $25,000 for property damage in any one accident
* $25,000/$50,000 uninsured/underinsured per person in any one accident
Without the proper Nebraska auto insurance if you're in an accident or are pulled over then this will result in immediate suspension. This is a serious business, so make sure all the statutory criteria is taken care of before you hit the open roads.
#2 Uninsured/Underinsured Motorist Coverage
Another area that is required by the state of Nebraska is uninsured or underinsured motorist coverage. If you're not familiar with this it's utilized if the other driver isn't covered or doesn't have enough in their policy to cover the damages. So if there are additional fees then your insurance can take care of the excess amount. The mandatory minimum here is; $25,000/$50,000 uninsured/underinsured per person in any one accident.
#3 A Different Approach
Nebraska auto insurance companies want to protect themselves whenever they hand out policies. One way for them to do this is through negating your coverage to anyone else in the household. This keeps them from being responsibility for someone else wrecking your car, especially if their driving record is sub-par and they live with you. If you were thinking about adding others it's important to do a little more research in this area because whilst it is certainly possible to add other drivers to your auto insurance, you may find that it adds more to the final cost of your auto insurance quote in Nebraska than perhaps you were expecting.
#4 Did You Know?
A lot of Nebraska residents don't realize that if their policies lapses, the DMV will suspend your license until a new policy is presented. While there is red tape that prolongs this process, you should never let it get to this point. There is a good possibility you could wait a week, get a new policy, and still receive paperwork that your driving privileges have been revoked. In this case you must present your new insurance policy to the DMV and possibly pay a fine as a result.
All of this is as much hassle in practice as it sounds on paper! So don't let it come to that. Make sure that you have adequate amounts of auto insurance cover at all times to mitigate against possible problems.
#5 Saving Money in Nebraska
When you look at Nebraska auto insurance compared to other states it's very inexpensive. The average cost is about $250 less for a premium on standard vehicle policies.
In fact, statistics show that Nebraska was the 13th cheapest state for car insurance in 2010, and that auto insurance cost less than half that of the average cost of auto insurance in Louisiana for example.
So, whilst no-one is ever going to complain at how cheap auto insurance has become, it is nevertheless more affordable in Nebraska than in many other states.
If you need to stay within a budget then it's a good idea to consider raising your deductible, asking about various discounts that are being offered, and certainly think about purchasing a policy online because it is generally a cheaper option to compare Nebraska Auto Insurance Quotes on the internet, then to try to do a comparison with a Nebraska Insurance Agent directly.
These are all ways to save money and still find yourself quality insurance for your vehicle.
The best thing to do is learn more about Nebraska auto insurance and the state laws. Over the long-term it's going to save you a lot of money and/or trouble, and look into getting a few quotes right now so that you have more of a feel of the real-world costs that you will have to pay for your insurance.