Nebraska Car Insurance

According to Nebraska state law (and the laws of most other states), a Nebraskan vehicle owner is required to have adequate car insurance coverage before driving. Thus, the Nebraska car insurance industry is continuously thriving, as more drivers take to the roads each year.

Here are some quick facts about Nebraska driving laws and statistics:

The average speed limit on Nebraska roadways is about 65 miles per hour, and the average blood alcohol percentage limit in Nebraska is about 0.08. In Nebraska, both the passenger and driver of the vehicle are prohibited from having an open container. Although there are no laws pertaining to cell phone usage while driving, studies have shown that drivers who talk on cell phones while driving have a much higher chance of getting an automobile accident.

The following paragraphs briefly review Nebraska car insurance requirements, premiums, and the process of comparing prospective policies.

Current Nebraska Car Insurance Requirements
Nebraskan automobile owners are required by law to have a car insurance policy with a minimum bodily injury liability and $25,000 per injured person (for up to $50,000 per accident), and a property damage liability coverage minimum limit of $25,000. To simplify these minimum coverage expectations, many people refer to them as the 25/50/25 coverage requirements. In Nebraska, the tort system is utilized, which means that someone must be found at fault in every automobile accident, and it is that person (and their insurance provider) that is possible for paying for all of the vehicle, property, and bodily damages. Although Nebraskan drivers are not required to purchase uninsured/underinsured motorist coverage, it is highly recommended, as it provides additional coverage in the event that another party is unable to cover their insurance requirements.

Nebraska Car Insurance Premiums
The average yearly Nebraska car insurance premium has risen significantly in the past three years (as have premiums in every other state), going from approximately $635 in 2008, to about $1380 in 2010. Nonetheless, Nebraska car insurance premiums are still below the national average of $1500. In fact, Nebraskan has consistently been amongst the top 10 states with the lowest average premiums for the past 10 years. Although the exact premiums offered with each plan will vary depending on the level of coverage provided with policy and a variety of other factors, Nebraskan vehicle owners should expect to pay anywhere from $50-$150 per month, depending on their vehicle type, previous automobile accident history, and overall coverage needs.

Choosing a Nebraska Car Insurance Plan
The easiest way to find and compare Nebraska car insurance plans is to utilize the extensive and diverse capabilities of the World Wide Web. Fortunately, there are a variety of rate comparison sites available online that will help you receive quotes from multiple auto insurance providers in Nebraska simultaneously, without ever leaving a single webpage. Some sites will even provide tools and resources that will help you find the most suitable plan for your needs. These sites may also provide charts that depict trends in car insurance premiums per state, as well as tools that will help you find a car insurance policy that meets all of your states requirements. Since there are a lot of rural areas in Nebraska, shopping for a Nebraska car insurance policy online can potentially save you a great deal time, energy, and money, by allowing you to compare prospective insurance providers and policies from the comfort of your own home. To receive free car insurance quotes Nebraska all you need is basic information such as your ZIP code, address, name, e-mail address, phone number, and the ability to answer a few simple questions related to your car insurance needs.

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