Sidney Car Insurance

Your Complete Guide to Sidney, NE, Car Insurance

Don't settle for impersonal online quotes.

It makes sense that you could save money shopping around for car insurance in Nebraska. Many drivers don't know that an independent insurance agent in Sidney could actually get them the best possible insurance for the lowest possible premium. 

You'll already get some of the lowest rates in the nation simply because you live in Nebraska. Drivers with at-fault accidents or moving violations could pay a steep premium without an agent who understands how to find the right insurance company, though. 

Your Sidney agent understands Nebraska's rules about insurance. They can walk you through your options and help you get discounts that you may never have heard of. Reach out to an independent insurance agent today to get started. 

How Much Does Car Insurance Cost in Sidney, 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

Your quotes may be much higher than the average if you drive a high-value vehicle, are a very young driver, or have a few negative items on your driving record.  

Fortunately, Sidney drivers tend to pay less on average for insurance than drivers in the more populated areas of Lincoln and Omaha. Living in a rural area means your statistical risk of being in a car crash is lower than drivers who live in areas with more congested roadways. 

How Can I Get Cheaper Car Insurance in NE?

Since there are so many factors that go into calculating your insurance premiums, you could pay a lot more or less than the average rates. There are a few ways to reduce your premiums that work for everyone. 

Increasing your deductible reduces your premium, as a general rule. This isn't a quick fix for expensive insurance, though. You'll need to have easy access to the money to cover your deductible if you are in an accident. Without it, you may have to delay fixing your car. 

Bundling your auto policy with your renter's insurance or home insurance is another way to get discounted insurance rates. Some discounts may be unique to your situation. Your agent can help you make the best of those opportunities to reduce the amount of money you spend on car insurance. 

An independent insurance agent works for you, not for the insurance company. They'll ask you questions to help identify areas where you could save money. You can get cheap insurance online and never have to talk to a live person, but you could have big problems when it's time to make a claim. 

If you want to work with an insurance company that stands behind their customers, your agent can help you find the best combination of coverage and low rates.  

What Kind of Car Insurance Should I Buy In Nebraska?

In Nebraska, you must carry liability and uninsured/underinsured motorist insurance. If you have a loan or lease on your car, you may also have to carry collision and comprehensive insurance coverage. 

Your agent will walk you through Nebraska's requirements. They may suggest that you purchase a bit more coverage than the minimum amounts to help protect you financially. 

  • Liability insurance (Required):  This covers other people’s injuries and damage if you cause an accident. Nebraska drivers pay $364.64 per year on average for their liability coverage. Your policy must include:
    • Bodily injury liability coverage of at least $25,000 per person and $50,000 per accident. (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 $30,000. )
    • 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 caused the accident. 
  • Uninsured motorist insurance (Required): This pays for injuries and medical costs if you are in a collision with an uninsured, underinsured, or hit-and-run driver. 
  • 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 in 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 if you purchase only the minimum requirements, your agent can help you decide whether to get 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 Sidney?

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 plenty of drivers on the road in Nebraska without insurance. The percentage of uninsured Nebraska drivers is lower than it is across the country. 

  • Percentage of US drivers who are uninsured: 13%
  • Percentage of Nebraska drivers who are uninsured: 6.8%

If you are in a car accident with an uninsured driver, you should contact your insurance agent or your insurance company right away. You'll have coverage, even if the other party can't pay, since you are required to carry uninsured and underinsured motorist coverage in Nebraska. The average bodily injury claim after an accident with an uninsured or uninsured motorist in Nebraska is $37,505.

How High Is the Auto Theft Rate in Sidney?

The auto theft rate in Nebraska is slightly 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%

If your car is stolen, you'll be reimbursed for its market value if you have comprehensive insurance coverage. The risk is low in Sidney, but without a comprehensive insurance policy, your losses aren't covered. 

Your agent can help you navigate the situation if you are the victim of auto theft. They'll walk you through the steps of making a claim and help you follow up with the insurance company. 

Why Work with an Independent Insurance Agent in Sidney, NE?

Designing your own auto insurance is a bigger job than most people want to deal with on their own. Luckily, you can get in touch with a Sidney independent insurance agent and let them do the heavy lifting on your behalf. 

Your agent can shop dozens of insurance providers for you and help you choose the lowest rates from a trustworthy company. Contact an independent insurance agent, today. 

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