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Nebraska Insurance: Table Of Contents
Nebraska Auto Insurance Requirements
- In order to find cheap car insurance in Nebraska, you have to know which insurance is required and what is extra. In this article we will help you understand the difference.
Liability Insurance
- Liability insurance is important, and is legally required by every driver in the state of Nebraska. If you are deemed at fault in a car accident, your insurance provider will pay the cost for bodily injury and property damage you cause. The state minimum for liability insurance is 25/50/25.
Full Coverage
- Full coverage insurance is not required to legally drive in Nebraska. Full Coverage is protection for your vehicle in the event of an accident. Collision and comprehensive insurance is added to make it full coverage. Continue reading to see the difference between the two coverages.
| Coverage | Explanation |
|---|---|
| Collision Coverage | It provides coverage for your vehicle resulting from collision with other vehicles or objects. It covers damage to your car in a variety of circumstances. This kind of insurance would pay for the damage to your car if you, for example, collided into a tree, light pole or wall. Collision coverage would take care of fixing your car, but first you must pay your deductible. |
| Comprehensive Coverage | Comprehensive coverage will repair or replace your automobile after it has been damaged and it covers a wider range of issues. Comprehensive insurance protects it against damage sustained in situations such as storms, flooding, hail, hitting a deer, vandalism and theft. |
Should You Get Full Coverage Calculator: Try It Out!
- This score can help you determine if you need full coverage insurance. If your car is older, perhaps nearing the of its life, do not waste your money on full coverage auto insurance. You would benefit more by paying less for a liability only policy.
Types Of Car Insurance In Nebraska
| Coverages | Definition |
|---|---|
| Bodily Injury Liability Insurance (BI) | Bodily injury liability insurance is designed to pay for medical expenses for someone else if you are deemed to be at fault. This coverage can apply to you and to anyone else listed as a driver on your policy. |
| Property Damage Liability Insurance (PD) | Property damage liability insurance also covers you in accidents in which you are at fault. It pays for repairs to the other driver’s vehicle or other property you may damage. |
| Medical Payments or Personal Injury Protection Insurance (PIP) | If you or a passenger in your vehicle are hurt in an accident, medical payments or personal injury protection coverage can help pay for resulting medical bills. This type of coverage can also cover lost wages if you or an injured passenger are unable to work. |
| Collision Coverage | While property damage liability insurance pays for damage to someone else’s vehicle or property following an accident, collision coverage pays for damage to your own vehicle. This includes damage caused by a collision with another vehicle or hitting a stationary object, such as a tree. |
| Comprehensive Coverage | Comprehensive coverage reimburses you for loss, theft, or damage to your vehicle caused by something other than a collision. For example, that can include fire damage, damage from hail and other falling objects, or damage caused by animals |
| Underinsured/Uninsured Motorist Coverage | Underinsured motorist coverage can protect you if you’re involved in an accident where the driver who is at fault does not have sufficient insurance. Uninsured motorist coverage is meant to protect you if you are in an accident with a driver who has no insurance at all. |
Carriers Average Rates: Liability and Full Coverage
| Companies | Liability | Full Coverage |
|---|---|---|
| General | $83 | $172 |
| National General | $91 | $148 |
| Progressive | $98 | $158 |
| USAA | $106 | $170 |
| Mendota | $107 | $154 |
| 21 Century | $110 | $150 |
| Geico | $111 | $162 |
| Gainsco | $117 | $172 |
| Assurance America | $118 | $152 |
| Dairyland | $118 | $176 |
| Farmers | $119 | $156 |
| Nationwide | $123 | $176 |
| Bristol West | $125 | $158 |
| State Auto | $130 | $217 |
| State Farm | $140 | $166 |
| AllState | $142 | $158 |
| Safeco | $145 | $193 |
| Liberty Mutual | $152 | $184 |
| Acceptance RTR | $153 | $166 |
| American Family | $155 | $147 |
| Travelers | $170 | $157 |
- Insurance companies have different requirements on how they rate the prices for the state. These listed prices are accurate for on average what clients may pay, but chances are they will not be the same dollar amount for you. Rates vary based on driving/vehicle history and age just to name a few.
- To receive an accurate quote, provide the information needed to the agent, and they will give you the best rate.
Cheap Car Insurance In Nebraska
- If full coverage does not seem like a financial option, having just liability decreases the price of insurance. Having liability only means the insurance carrier only covers damage you do, and not your vehicle. Take some time to look into cheap car insurance in Nebraska to fit your personal needs. We here at A Plus Insurance can help you.
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