Drivers in La Vista, Nebraska are required by law to carry car insurance. A solid auto insurance policy can protect your finances by covering the costs associated with an accident, whether you are involved in a minor fender bender on Giles Road or cause a multi-vehicle collision on I-80. Finding the right car insurance policy is easy when you work with an independent insurance agent. These agents can work with several different insurance companies to find you the most competitively priced policy. Find an agent in or near La Vista 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
As a resident of La Vista, you should be happy to learn that the average car insurance rate in Nebraska is significantly lower than the national average. Of course, the figures listed above can only give you a general idea of how much you might expect to pay. Your actual car insurance costs will be determined based on several different factors, including:
- The value, make, model, and year of the vehicle(s) you are insuring
- Details about all licensed drivers in your household, unless specifically excluded
- The amount of liability coverage you wish you include in your policy
- The amount of your deductible
You may also qualify for discounts if you are bundling your coverage with other policies like home insurance or renters insurance or if you are insuring a teen who is a good student. Every insurance company is likely to quote a different price for your coverage. That is why comparison shopping is a great way to save money on your car insurance. Independent agents in La Vista can help by acquiring a number of quotes for you.
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.
These minimum requirements are designed to provide sufficient coverage for most vehicular accidents. However, if you cause a more serious collision in which others are seriously injured and require extensive medical treatment, the costs are very likely to exceed these minimum coverage amounts. In that case, you would have to make up the difference. This is why many Nebraska drivers purchase higher liability coverage amounts when they buy their auto insurance. Some with a lot to lose also purchase umbrella insurance to further boost their liability coverage. An independent agent can help you compare costs for different levels of coverage.
Number of Uninsured Motorists in Nebraska
Although it is illegal to do so, more than one in twenty motorists on Nebraska’s roadways is driving without insurance. Uninsured motorist coverage covers damages and injuries that may result if one of these drivers causes a collision with you.
- How many US drivers are uninsured? 13%.
- How many Nebraska drivers are uninsured? 6.8%.
At-fault drivers are responsible for coverage of damage and injuries. However, if the responsible party is uninsured, it can be very difficult to collect these funds. Uninsured motorist coverage ensures that you will have the compensation you are entitled to, and puts the burden of collecting from the responsible driver on the insurance company. Uninsured motorist insurance also covers against damages from a collision with a hit-and-run driver. This coverage is required in the state of Nebraska.
Number of Auto Thefts in La Vista, NE
Auto theft rates in Nebraska are lower than the national average. In La Vista, the risk is even lower. There are only about 20 auto thefts reported in this city each year.
- National number of thefts per 1,000 vehicles: 2.28
- Nebraska number of thefts per 1,000 vehicles: 2.52
- La Vista number of thefts per 1,000 vehicles: 1.05
This low rate of auto theft can help to keep insurance costs affordable for residents of La Vista. Comprehensive (or “other than collision”) insurance covers you against loss or damage caused by auto theft, vandalism, falling objects, fires, and floods. It is an optional coverage, but if you are still paying for your vehicle, you may be required by the financing company to carry this insurance until your vehicle is paid off.
Why Work with an Independent Insurance Agent?
You have to have car insurance. You might as well get it at the best price. Talk to an independent insurance agent in or near La Vista to get answers to your insurance-related questions and for help finding a competitively priced policy that is right for you.
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