Consumer Alert: Car Insurance in Nebraska
What you should know about Car Insurance
Nebraska auto insurance companies are an important part of the evolving economy. Whether a Nebraska car insurance company charges high or low rates makes a big impact on the state of the economy – the more people have to pay for insurance, the less they will spend on other things.
Owning car insurance is required by law in Nebraska. Read more about Nebraska road safety on the Nebraska Office of Highway Safety (http://www.dor.state.ne.us/) site.
Many auto insurance companies in Nebraska cash in on charging their consumers high monthly premiums. Premiums are the monthly rates that individuals pay from their pockets. Low monthly premiums can mean the difference between driving legally and driving illegally, without insurance, if the individual cannot afford to pay their monthly premiums.
What if I don’t have car insurance?
Driving without insurance is risky for 2 reasons:
- If you are pulled over by a law enforcement officer and cannot provide proof of insurance, you will be fined and have your license suspended. Your car may also be impounded until you provide proof of car insurance.
- If you have an auto collision and you don’t have car insurance, you will be forced to pay out-of-pocket for whatever damages accrue. Currently, Nebraska’s car insurance minimum deductibles (the amount the insurance will pay for your damages, are upwards of $100,000.)
Did you know?? New Nebraska car seat laws require children up to age 6 to ride in a car seat or booster.
Important Notices about Auto Insurance in Nebraska
Cheap auto insurance premiums are hard to come by if you don’t know where to look or what you are looking for.
Look for:
- Cheap auto insurance quotes in Nebraska
- Tips on how to reduce your car insurance premiums
- Auto insurance companies that provide high deductibles with low monthly premiums.
- A good auto insurance company in Nebraska that takes the time to tell you how to keep your premiums low and how to fully benefit from their auto insurance policies.
- A company that will give you good resources so that you can stay up-to-date with auto insurance laws in Nebraska.
Avoid:
- Companies who refuse to match the cheap quotes you found online without offering to compensate in some way.
- Auto insurance companies who charge high premiums for low deductibles.
Did you know?? Vehicles with dealer plates, 30-day plates, boats, snowmobiles, trailers and campers on the backs of trucks are all exempt from liability insurance
The Nebraska Department of Insurance (http://www.doi.ne.gov/) provides the following mission statement:
Protect yourself…
Complete the following as a step toward keeping your Nebraska car insurance premiums low:
- Verify your information is correct. Check your mailing address, that your vehicle is properly classified and the make/model is correct; ensure that the driver(s” age/birthdate(s) are correct.
- Check for discounts that apply to you. Often, if you’ve taken driving safety courses, have added safety equipment to your car, etc., or you want to combine insurance policies, you are eligible for discounts.
- Consider revising your coverage or deductibles. You can reduce your auto insurance costs by raising the deductibles on physical damage coverage. Or, consider reducing or eliminating physical damage coverage on older vehicles.
For more information on how to reduce your car insurance rates, read the National Auto Insurance Commission’s “Consumer’s Guide to Auto Insurance” (http://www.naic.org/documents/consumer_guide_auto.pdf).
