Fremont Car Insurance

Your Complete Guide to Fremont, NE Car Insurance

Find the right car insurance policy for you.

As a driver in Fremont, Nebraska, you are required by law to have car insurance. This insurance can help to protect you from large financial losses if you are in a collision. Accidents can happen to anyone, even the best drivers. From fender-benders on Military Avenue to more significant accidents on the Lincoln Highway, you’ll be glad to know your car insurance policy has you covered. Working with an independent insurance agent in can save you time and money. These agents can collect auto insurance quotes for you and help you find the policy with the best rate. Find an agent in or near Fremont to get started.

How Much Does Car Insurance Cost in Nebraska?

  • National average cost per year: $1,311
  • Nebraska average cost per year: $1,086
  • 38th most expensive auto premium in US

The average car insurance rate in the state of Nebraska is lower than the national average. Your actual auto insurance cost may be significantly higher or lower depending on your particular situation. For example, a 19-year-old man with a muscle car will likely pay a lot more than a 45-year-old woman with a minivan. 

Your rates will be calculated by each insurance company you contact based on several factors, including details about the vehicle(s) you are insuring, the driving record and claims history of all licensed drivers in your household, the amount of liability coverage you wish you purchase, and the amount of your deductible. Because each insurance company is likely to quote you a different cost for your premiums, comparison shopping is a great way to save money on your car insurance. Independent agents in Fremont can help you find the best price.

Nebraska Car Insurance Requirements

  • Bodily injury liability: Required
  • Property damage liability: Required
  • Personal Injury Protection (PIP): Not required
  • Uninsured motorist coverage: Required
  • Minimum liability limits: 25/50/25; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $25,000 coverage for property damage.

Nebraska’s minimum liability coverage requirements are sufficient to cover the costs associated with most vehicular accidents. But more serious collisions — particularly those that result in excessive property damage or significant injuries — are likely to exceed these limits. In this case, you would be responsible for paying the overage out of pocket. That is why many Nebraska drivers opt for higher liability coverage amounts when they buy their auto insurance. An independent agent can offer you quotes for different levels of liability coverage so you can determine how much is right for you. 

Number of Uninsured Motorists in Nebraska

Even though it is against the law, many people still get behind the wheel without insurance. While the rate of uninsured drivers in Nebraska is low, this still poses a risk to the state's law-abiding motorists.

  • How many US drivers are uninsured? 12.6%.
  • How many Nebraska drivers are uninsured? 6.7%.

In the event of a collision, the driver who is responsible for the accident is required to cover the resulting costs. Uninsured motorist coverage was created to ensure that you will be covered for your damages and injuries if the at-fault driver is uninsured or flees the scene. This coverage is required in Nebraska.

Number of Auto Thefts in Fremont, NE

The number of car thefts in Fremont average at about 25 per year. That is rate of 1.03 thefts per every1,000 vehicles. This is much lower than the state and national rates.

  • National number of thefts per 1,000 vehicles: 2.94
  • Nebraska number of thefts per 1,000 vehicles: 2.26

The low auto theft rate in Fremont is good news because it helps to keep auto insurance costs affordable. Of course, you probably won’t be spending all of your time in Fremont, so it is important to know that car theft is only covered by your auto insurance if your policy includes comprehensive coverage. This “other than collision” coverage can also cover damage caused by falling objects, floods, fires, and property crimes.

Why Work with an Independent Insurance Agent?

Independent insurance agents have a lot more freedom than agents who work for one specific insurance company. Your local independent agent can work with several different insurance providers to help you find the policy that best meets your coverage and budgetary needs.

Find an agent in or near Fremont to learn more and start comparing car insurance quotes.,

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http://www.naic.org/prod_serv/AUT-PB-14.pdf
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