Choosing the right Nebraska auto insurance company can be a critical decision. That's why, since 1993, InsureMe has been helping Nebraska auto insurance buyers get the best coverage for the best possible price.
Nebraska law requires all car owners to purchase minimum amounts of Nebraska auto insurance in order to operate a vehicle within the state. However, the only coverage Nebraska requires is liability insurance, which pays for injuries you cause another person, or property damage you cause others through negligent driving.
The two types of liability coverage you must carry are bodily injury and property damage. Minimums are: $25,000 per person per accident and $50,000 per accident bodily injury; and $25,000 per accident property damage. This is often referred to as 25/50/25 coverage.
It is always a good idea to consider buying higher limits of Nebraska auto insurance than what state law requires. State minimums may not be sufficient to cover the complete value of your car, provide adequate finances for medical bills incurred as the result of an accident, or protect you fully from lawsuits.
Other Coverage to Consider
One type of Nebraska auto insurance which may be required by your lender if you decide to finance your car is physical damage. This pays for damage to your car, minus your deductible, in case of an accident.
Collision and comprehensive are both types of physical damage insurance. Collision pays for damage incurred when you're involved in an accident with another car or fixed object, whereas comprehensive pays for damage due to other causes, such as hail, fire or theft.
Talk to a knowledgeable Nebraska auto insurance agent to determine if you should purchase physical damage coverage for your car.
Tips for Smart Shoppers
Wise Nebraska auto insurance shoppers get the best coverage at the best price by:
Before you buy a Nebraska auto insurance policy, consider important factors such as cost, coverage and a company's financial strength rating. These are good indicators of the type of service a company provides and whether or not they will remain in business long term.
This type of information can be obtained through the following consumer rating companies:
Still searching for answers?
Licensed Nebraska auto insurance agents are your best resource for more information concerning your car insurance purchase. However, you may also contact the Nebraska Department of Insurance for more details about Nebraska auto insurance.
Reach them online at www.nol.org/home/NDOI, or by telephone at 402-471-2201.
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