Auto Insurance

Nebraska natives are master drivers on icy roads. However as many of you may know, not everyone is as skilled as you. So you need a native Nebraska insurance professional to protect you while also protecting your pocketbook. As an independent insurance agency, Husker Insurance will help you shop several insurance policies to make sure you get the best insurance coverage at the best price.

Auto Insurance for Nebraska Natives

Many people wonder what the state of Nebraska requires for auto insurance coverage. At Husker Insurance we are here to help answer any questions you may have. Here are a few of the basics when it comes to Nebraska auto insurance.

In order to be compliant with Nebraska’s car insurance laws, you must have liability insurance. This helps cover cost towards injury and/or property damage suffered by others in a car accident that you may have caused. In Nebraska, your car insurance policy must meet at least these following liability coverage minimums:

  • $25,000 for bodily injury, per person,
  • $50,000 for total bodily injury if multiple people are hurt,
  • $25,000 for property damage.

Cheap Car Insurance Nebraska

Nebraska is considered an at-fault state, which means that the person who is deemed to be at fault in an accident is the person who is held liable for the damage. Liability helps protect other drivers and pedestrians from you as the driver. The basic coverage is $25,000 for bodily injury, per person, $50,000 for total bodily injury if multiple people are hurt, and $25,000 for property damage. Keep in mind that these limits are the minimums. Husker Insurance advises considering more coverage.  If a driver has the state minimum, this is the maximum the insurance company will pay if said driver is at fault in an accident. Keep that in mind when searching for cheap car insurance, cheap car insurance may not always mean the best coverage for you and your family. Sometimes just paying a few dollars more each month could double, triple, even quadruple your coverage. Let us compare a few different options for you so that you can make the best decision.

Additional Coverage

Some drivers may find that simply meeting the Nebraska car insurance’s minimum requirements does not protect them as completely as they would like. This is especially true when you consider that liability coverage does not help you pay for your own injuries or property damage. For better peace of mind, Husker Insurance advises to also purchase one of the common coverages listed below:

Collision – This will help you with cost from damages to your car after a traffic accident.

Comprehensive – This will help you pay non-accident-related damages to your car, including those from weather-related events and fires.

Medical payment – This will help pay for your medical care if you are hurt in a car accident.

Uninsured Motorist – This coverage will help pay for your cost after an accident with an uninsured driver.

Sr22 Insurance Nebraska

At Husker Insurance, we offer advice and guidance when choosing what type of insurance best suits your needs. This also includes SR 22 insurance quotes.

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Common Auto Insurance Rating Variables

  • Age— Age is one of the first factors insurance companies use in their overall rating algorithms. Drivers who are under 25 and over 65 typically do not get preferred rates. Statistics show that those two age demographics have the most loss frequency, and therefore are more at risk for financial loss due to an auto accident.
  • Credit— Credit score is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be in the long run.
  • Car— The type of car, engine size, safety features, etc.. are all factors in the insurance rate of the driver.
  • Driving History— Your driving record and loss history plays a substantial role in your auto insurance rate. If you have a spotty driving history,  multiple moving violations or accidents, chances are you won’t get a preferred rate until those factors and violations are at least 3 years old.
  • Household— Insurance companies underwrite at the household level, meaning they try to judge based on the entire household. Some of the determining factors are; what the probability of loss will be, and if there multiple drivers in the house who are under the age of 25, these will impact everyone’s insurance pricing in the household.

Car Insurance Violations

In Nebraska, you are required to have proof of insurance with your car at all times. Proof of insurance is most commonly in the form of an insurance ID card, which is issued to you by your car insurance company.

If you are caught driving without proof of insurance or without any car insurance at all, you face penalties that can include:

  • Fines
  • Driver’s License Suspension
  • License revocation
  • Assessment of violation points to your driving record