Saturday, December 20, 2014

Nebraska Car Insurance




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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