The smartest way to get cheap car insurance in Nebraska is to shop around. You can get multiple quotes with a search-bot on the internet, but you may not get the coverage you need to protect your finances.
When you work with a McCook independent insurance agent, you won't pay more for one-on-one service from an insurance expert that understands the local laws about auto insurance. In fact, they can work with you to identify ways to lower your insurance costs that you've never heard of.
Find a McCook, NE, insurance agent now and get started finding the coverage you need from a trustworthy insurance company at the lowest possible price.
How Much Does Car Insurance Cost in McCook, NE?
On average, Nebraska drivers pay a lot less for auto insurance than drivers across the nation.
- National average annual car insurance cost: $1,311
- Nebraska average annual car insurance cost: $681
Because so many things go into calculating your auto insurance rates, you may pay considerably more than the average Nebraska driver. One factor that helps determine rates is your location. Drivers in Omaha should expect to pay higher-than-average rates. Fifty-nine percent of Nebraska's population lives in metro areas. As a McCook resident, your rates may be much lower than city drivers.
How Can I Get Cheaper Car Insurance in NE?
Your rates may be based on your driving record, your credit score, whether you own your home, your age, your occupation, your marital status, your gender, and the type of vehicle you drive. While you can't control those factors for the sole purpose of lowering your insurance rates, you can try to identify ways to get discounts on your auto insurance premiums.
Increasing your deductible is one way to get lower auto insurance rates. It's not a good plan for everyone, though. Unless you have your deductible set aside, you could be faced with having to delay getting your car fixed after an accident if you can't pay your portion of the bill.
Bundling your auto insurance policy with your home insurance or renters policy is another way to get a discount on your insurance premiums.
Online rate-finders can give you a generic selection of simple discounts, but for one-on-one advice about your situation, talk with a McCook independent agent. They don't work for any specific insurance company. If you choose an independent agent, they work for you. They'll help you get every discount and find a trustworthy insurance company that's a good fit.
What Kind of Car Insurance Should I Buy In Nebraska?
In Nebraska, you must carry liability, personal injury protection, and uninsured/underinsured motorist insurance. Each of these policies prevents you from having to pay the full amount for property damage and medical bills if you are the at-fault driver.
You may need to add comprehensive and collision coverage if you have a loan or lease on your car. That means you'll have to follow Nebraska's laws and satisfy your lender's requirements. Your agent understands the local laws and can help you get the proof of insurance required by your lender.
Here are your required and optional insurance policies in Nebraska:
- Liability insurance (Required): This covers other people’s injuries and damage if you cause an accident. Nebraska drivers pay an average of $364.64 per year for their liability coverage. Your policy must include:
- Bodily injury liability coverage of at least $25,000 per person and $50,000 per accident. In Nebraska, the average bodily injury liability insurance claim after a covered accident is $22,948. If you are at fault in a car accident, you are responsible for the other person's medical bills, which could easily exceed $25,000.
- Property damage liability coverage of at least $25,000 per accident.
- Personal injury protection (PIP) (Optional): This pays for medical expenses for you and your passengers if you are injured in a collision, no matter who is at fault.
- Uninsured motorist insurance (Required): This pays for injuries and medical costs if you are in a car crash with an uninsured, underinsured, or hit-and-run driver. The average bodily injury claim after an accident with an uninsured or uninsured motorist in Nebraska is $37,505.
- Collision insurance (Partially optional): This pays to repair or replace your vehicle if it is damaged in a collision, regardless of fault.
- Comprehensive insurance (Partially optional): This pays to repair or replace your vehicle if it is lost or damaged in an incident other than a car accident, such as a fire, collision with an animal, or damage due to storms of falling objects. There are about 116,430 comprehensive insurance claims in Nebraska each year.
- Roadside assistance and towing (Optional): This pays for necessary assistance if you get a flat tire or run out of gas.
- Rental reimbursement coverage (Optional): This pays for the cost of renting a replacement vehicle while repairs are being made to your car after a covered event.
If you have concerns about whether you will have enough liability coverage with Nebraska's minimum requirements, your agent can help you decide whether to purchase an inexpensive umbrella policy. This coverage increases the liability insurance limits across all of your insurance policies.
What Is the Penalty for Driving without Insurance in McCook?
Driving without insurance is illegal in Nebraska. If caught, uninsured drivers can face the following:
- Instant suspension of drivers license until proof of insurance is provided
- Instant removal of license plates from your vehicle by police officer initiating the stop
- SR-22 (high-risk) insurance required if caught driving without valid insurance that meets Nebraska's requirements
There are fewer uninsured drivers on Nebraska's roads than across the nation, but the risk of being in an accident with a driver who doesn't have insurance is significant enough that this uninsured and underinsured motorist coverage is mandatory.
- Percentage of US drivers who are uninsured: 13%
- Percentage of Nebraska drivers who are uninsured: 6.8%
If you are in an accident with someone who is underinsured or uninsured, your insurance company takes care of your property damage and medical bills after a covered accident. They decide whether to pursue the uninsured at-fault driver.
How High Is the Auto Theft Rate in McCook?
The auto theft rate in Nebraska is a bit higher than the national average.
- National auto theft rate per 1,000 vehicles: 2.37%
- Nebraska auto theft rate per 1,000 vehicles: 2.48%
Without comprehensive coverage, you won't be reimbursed for your loss if your car is stolen. The risk of auto theft in Nebraska is a bit higher than it is across the country. If it happens, you'll be glad to have help filing a claim from your McCook insurance agent.
Why Work with an Independent Insurance Agent in McCook, NE?
While you can easily give your personal information to an online search engine to come up with several auto premium rates, you won't get the personalized service and support you need to choose the right coverage amounts. You may not even have access to the highly rated and trustworthy insurance companies that a McCook insurance agent uses.
When it's time to make a claim, your agent is right there to walk you through the process. If you have questions about your coverage or need help adjusting your policy limits, you have instant access to an agent in your community who understands your needs.
Contact a McCook independent insurance agent today and get started comparing quotes from top insurers.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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