Car insurance providers rely on multiple factors when setting their rates, including credit history, driving record and annual mileage. Nebraskans can save money by comparing quotes and choosing suitable coverage – such as type of vehicle, safety rating or theft rates as well as average rates in their neighborhood or state. Drivers should also remember that having low credit score or being at-fault for accidents will raise rates significantly – they can find an accurate quote by entering their zip code into our car insurance calculator and selecting their coverage type preference.
Nebraska car insurance costs more than the national average, but there are ways to save money. One option is opting for the minimum required by Nebraska, which currently runs about $425 annually on average. But drivers should remember that this only covers a fraction of actual repairs or damages sustained from an accident, with liability falling upon you should damage exceed your policy limits; comprehensive and collision coverage could add additional costs of around $500 annually on average.
On top of your level of coverage, there are various other factors that can impact your rates such as credit rating, age, gender and marital status. Younger drivers typically pay more while married drivers usually pay less. Unfortunately, individuals with poor credit history such as at-fault accidents or DUI convictions often see their premiums increase significantly; however they can still find affordable car insurance by comparing quotes, shopping around and taking advantage of discounts such as good student, safe driving or multi-car discounts.
When choosing an insurer, make sure to compare quotes from both national and regional providers as some local insurers can offer lower rates than the national average. Also remember to maintain consistent coverage as any gaps can lead to significant increases in insurance premiums; additionally, high-quality vehicles with low theft risks typically have lower car insurance premiums compared with sports cars or luxury SUVs.
State Farm, USAA and GEICO are among the cheapest Nebraska insurance providers, known for their excellent customer service and affordable premiums. However, other options should also be taken into consideration; Nationwide and Allstate both boast strong customer satisfaction ratings while USAA is the cheapest car insurer exclusively serving active military members and their families. AARP Farmers American Family Farm Bureau are among other top rated Nebraska providers that you should also keep an eye out for.