Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
To lower your car insurance rates in Nebraska, you can compare quotes, look for discounts, and potentially consider reducing your coverage. How much your specific car insurance policy costs will also depend on your age, your car, and your driving history. As a result, a safer car, defensive driving classes, and improved performance behind the wheel could help you save, too.
On average, full coverage car insurance in Nebraska costs about $1,930 per year. State-minimum coverage costs around $437 per year.
How to Lower Car Insurance Costs in Nebraska
1. Compare quotes.
Drivers in Nebraska can save an average of $2,021 per year just by shopping around and picking the car insurance company with the best rates. To start, you can compare quotes from WalletHub’s picks for the best car insurance companies in Nebraska.
2. Look for discounts.
You may be eligible for car insurance discounts such as policy bundling, good driver, and good student.
3. Take a defensive driving class.
If your insurer offers it, you can take a defensive driving class to receive an auto insurance discount. This discount may apply for several years.
4. Reduce your coverage.
If you cannot afford your current car insurance payments, you could consider reducing your coverage down to Nebraska's minimum coverage requirements. Drivers in Nebraska are required to carry at least bodily injury liability, property damage liability, and uninsured/underinsured motorist insurance.
5. Increase your deductible.
When you increase your deductible, you could lower your premium. Just make sure the deductible you choose is one you can afford to pay if you ever have to file a claim.
6. Pay in full up front.
Some companies offer a discount for paying your policy in one lump sum up front rather than in monthly installments.
7. Try usage-based insurance.
Usage-based insurance programs use a plug-in device or your smartphone to track your driving habits. Good driving habits are typically rewarded with a lower premium.
8. Maintain a good driving record.
Your car insurance premiums will generally decrease if you drive safely. So try to avoid getting traffic tickets and being involved in car accidents if you want to get a lower rate.
9. Get a cheaper car.
Consider switching to a car that’s cheaper to insure, as the average driver could save up $1,500 by doing so.
To learn more, check out WalletHub’s picks for the cheapest car insurance companies in Nebraska.
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