Hastings Car Insurance

Drivers in Hastings, Nebraska are required by law to carry car insurance. Even the best drivers can sometimes find themselves involved in auto accidents. Whether you are involved in a minor fender-bender on 12th Street or a multi-car collision on Burlington Avenue, a solid auto insurance policy can protect your finances and cover your damage. Independent Insurance Agents in Hastings can save you time and money when you are shopping for car insurance. These agents can provide you with a selection of quotes so that you can find the auto coverage you need at the most competitive price.

How Much Does Car Insurance Cost in Nebraska?

Overall, car insurance rates in the state of Nebraska are lower than in most states. The figures below can give you a ballpark idea of how much a policy may cost you. 

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

Your actual auto insurance costs will be based on several different factors ranging from the make, model and year of your vehicle to the driving records of the licensed drivers in your household. Rates can also be influenced by the amount of coverage you are purchasing and the amount of your deductible. Every insurance company calculates rates in a different way. That is why comparison shopping is a good idea. It lets you chose the policy that gives the coverage you want at the best price. Independent agents in Hastings make comparing rates easy because they can acquire multiple quotes for you.

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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: 25/50/20; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $20,000 coverage for property damage.

Although Nebraska’s minimum liability coverage requirements may be sufficient to cover the costs associated with most vehicular accidents, more serious collisions — particularly those that cause significant injuries or fatalities — are likely to exceed these limits. In that case, you would be responsible for making up the difference out of pocket. That is why many Nebraska drivers opt for higher-than-required liability coverage when they buy their auto insurance. An independent agent can help you compare costs for different levels of coverage so you can discover how much liability coverage you can reasonably afford.

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Our independent agents shop around to find you the best coverage.

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Number of Uninsured Motorists in Nebraska

Uninsured motorist coverage is designed to compensate you for damages and injuries you may sustain if the at-fault driver is uninsured or if you are in a collision with a hit-and-run driver. 

• How many US drivers are uninsured? 13%.
• How many Nebraska drivers are uninsured? 6.8%.

If you are caught driving without insurance in Nebraska, you will subject to fines, points on your license, and license suspension or revocation, depending on whether it is a first offense. Despite this, some people get behind the wheel without insurance anyway. Uninsured motorist insurance is required in this state. It can ensure that you will be compensated for your loss or damage if an uninsured driver hits you. That way, your insurance company, not you, will take the hit if they cannot successfully collect the owed funds from the uninsured driver.

Number of Auto Thefts in Hastings, NE

The overall auto theft rate in Nebraska is lower than the national average. In Hastings, where about 30 vehicle thefts are reported each year, the risk is even lower.

• National number of thefts per 1,000 vehicles: 2.28
• Nebraska number of thefts per 1,000 vehicles: 2.52
• Hastings number of thefts per 1,0000 vehicles: 1.11

This is good news for residents of this city since it can help to keep insurance costs affordable. Even though auto theft is not a huge risk here, that does not mean you should skimp on comprehensive coverage. This optional “other than collision” coverage can also reimburse you for loss or damage caused by other risks such as fires, floods, falling objects, and vandalism. 

Why Work with an Independent Insurance Agent?

Independent agents make shopping for insurance easy. A local agent can answer your insurance-related questions and will obtain a selection of quotes for policies that meet your specific coverage needs. Your agent may even be able to earn you significant discounts by bundling your auto coverage with another policy such as home insurance or renters insurance.

Find an independent insurance agent in or near Hastings to learn more.