Nebraska Car Insurance: Simple Overview of Auto Insurance Requirements in NE

The Nebraska state law makes it mandatory for its residents to buy a liability policy for their cars. Liability policy helps the insured pay for property damage and bodily injuries suffered by the other party in case of an accident.

The minimum liability coverage required in NE is $25,000 for a single person injured in an accident, $50,000 to cover the medical expenses of all occupants of the other vehicle, and $25,000 for covering damage to public or private property due to negligence. It is recommended that greater liability coverage be purchased as it can cover for excess costs not covered by insurance.

Further details on Nebraska auto insurance for consumers can be obtained by contacting the Nebraska Department of Insurance located in Lincoln by calling (877) 564-7323 or by visiting their website at http://www.doi.ne.gov.

The state of Nebraska also recommends its residents to buy comprehensive coverage. Liability does not help the insured pay for their expenses if they are responsible for an accident. The comprehensive coverage awards the Kelley Blue Book value of the car for repairs and if the cost of repair exceeds this amount, the owner is given the total value of the car.

Nebraska recommends its car owners to purchase Uninsured Motorist Coverage as it helps cover the cost of car repair and bodily injuries in case of a hit and run incident. Some states do not make it mandatory to own a Liability policy and if a person not covered by liability insurance is a victim of an accident, he/she has to recover the cost of repairs and injuries from the driver responsible for the accident.

Consumers always look for cheap car insurance to insure their car. Getting a cheap insurance quote in Nebraska from a reputable insurance agency is the first step in getting cheap car insurance. Here are some steps to find cheap car insurance quotes in the state of Nebraska.

1) Shopping around: It is recommended you compare car insurance quotes of three to four companies before you decide on the quote suitable for you.

2) Raising the deductible: When you raise the deductibles, car insurance companies will offer you cheaper insurance premiums. The premium you pay can be lowered by 40 % if you raise your deductible from 500 to 1,000 dollars for instance.

3) Combining policies: Car insurance companies offer discounts to car owners who combine their car and home policies.

4) Living close to home: Insurance companies offer lower rates to consumers who don't use their vehicles often. Not using your car often or reducing your mileage puts you in a low risk category. People who are in this category are offered discounts by car insurance companies.

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