Crete Car Insurance

(When you need a local expert)


Crete, NE, is known for the oldest liberal arts college in the state, Doane University. This academic town has an rich agricultural history. With three historic districts, Crete has deep roots.

When you drive these charming streets, you'll want proper coverage. An independent insurance agent can find a car policy within your budget. To get started, connect with a local expert today.

Optional Car Insurance in Crete, NE

Your car policy will automatically include liability insurance. Your other coverages are optional. To know which is best, you'll need an explanation of what they do.

Crete, NE, car insurance options:

  • Gap coverage: This will pay for the difference between the remaining balance on your car loan and your vehicle's value.
  • Tow coverage: This will pay for a tow truck to tow a covered auto due to a loss.
  • Comprehensive coverage: This will pay for property damage to your vehicle that is hit by an unavoidable object.
  • Collision coverage: This pays for property damage to your car in the event of a crash.
  • Rental car coverage: This will provide reimbursement for a rental car when your covered auto is damaged. 

Like life insurance, these coverages are optional. You're not required to include them, but you may want to consider. Proper protection for your vehicles usually means more than just liability insurance. Speak with your Crete independent agent to get the policy you need.

Uninsured Motorists Insurance in Crete, NE

In Nebraska, uninsured/underinsured motorist or UM/UIM coverage is required. While the law mandates that you obtain UM/UIM, minimum limits may be too low. Take a look at the percentage of uninsured drivers:

  • National average: 13.0%
  • Nebraska average: 6.8%

The best way to safeguard your loved ones is to have enough protection. UM/UIM insurance will pay for your medical and property expenses due to an accident with an uninsured driver. Whether you drive an SUV or an ATV, UM/UIM is necessary. Contact your Crete independent agent for questions.

Car Insurance Required in Crete, NE

Car insurance in most states is mandated, like workers' compensation. When you drive in Crete, NE, you're required to carry the minimum limits. 

  • A minimum liability of $25,000 per person/$50,000 per accident/ $20,000 property damage.  

The average price of a vehicle in the US is over $36,000. When you're looking for the best coverage, minimum limits are low. Connect with your Crete independent agent on your liability coverage.


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Theft Rates in Crete, NE, and Your Auto Insurance

The local crime will affect your auto insurance costs. Carriers will look at how many crime-related claims are filed and surcharge accordingly. Let's take a peek at the theft rates per 100,000 people:

  • National average: 228.9
  • Nebraska average: 252.6

If you want insurance for your stolen belongings, talk with your independent agent. They can make sure your auto policy has the coverage it needs to protect the items in your vehicle. 

Car Insurance Pricing in Crete, NE

The cost of your car insurance can be entirely different than anyone else. Carriers look at personal data and vehicle specifications before determining your price. Some rating factors the insurance companies use are:

  • Local catastrophes
  • The coverages you choose 
  • Your claims history
  • Your insurance score
  • Local crime rates 
  • Policy discounts that may apply 
  • Claims reported in the area
  • Your motor vehicle record (MVR)

Catastrophic events and severe weather will play a part in your premiums as well. To get exact pricing, contact a Crete independent insurance agent for quotes.

Livery for Hire Services in Crete, NE

A personal auto policy will exclude any livery-for-hire or rideshare services. If you drive for a company like Uber or Lyft and use your private vehicle, call your agent. Ask these questions when speaking to your independent agent on livery or rideshare services:

  • Does my current auto policy provide coverage when transporting people or parcels?
  • Does my current auto policy provide coverage when I am off the clock?

Your adviser will likely recommend a commercial vehicle policy. This will cover the business exposure of a livery or rideshare service. To discuss your commercial coverage, contact your independent agent.

Connect with an Independent Insurance Agent in Crete, NE

When you own a car in Crete, NE, you want to have adequate protection. An independent insurance agent is the best of both worlds. They work with several carriers, giving you options on coverage and pricing. 

If you're unsure where to begin, go to You can access their find-an-agent tool to connect with a local expert in minutes. 

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