Auto Insurance

Auto Insurance in Lincoln, NE

Before you drive your new car around town, you need to protect it with auto insurance. If this is your first time owning a car in Lincoln, NE, you might wonder what insurance features you should look for. You might even wonder why you need insurance in the first place.

Why Do You Need Car Insurance?

Auto insurance isn't about making money for the insurance companies-it's about protecting you from costly damages. If you get injured or damage your car in a car accident, insurance can help you pay for the costs.

Besides, car insurance is legally required as well.

What Coverage Do You Need?

In Nebraska, car owners are required to hold insurance with a $25,000 bodily injury limit per person and a $50,000 total bodily injury limit. This means that each injured person receives a maximum of $25,000 and everyone in the car receives a combined maximum of $50,000.

Nebraska car owners also must have insurance that offers at least $25,000 for property damage.

However, the minimum limits your state requires may not necessarily be adequate. A car accident can cost far more than the limits mandated by the state. The Insurance Information Institute recommends you carry at least $100,000 of bodily injury protection per person and $300,000 per accident. 

What Factors Affect Your Rate?

You may be able to get lower auto insurance rates in Lincoln, NE if your car has certain safety features. Your insurance rates also depend on the following:
  • Your age and gender (Young people and men usually have higher rates.)
  • Your marital status (Married people can get lower rates.)
  • Your driving record
  • Your prior insurance coverage
  • Your car's make and model
  • The use of your car
  • Your credit report
Insurance agents can give you an idea of factors that can lower your rate.

What Should You Look for in Auto Insurance?

As you look for a car insurance policy in Lincoln, NE, you'll want to find the best coverage at the lowest rate. As you try to find the best car insurance policy for you, trust in the guidance of an insurance agency. An insurance agent can help you find the best policy in your area that fits your needs and your budget.

Remember that you can also save money if you buy other types of insurance from the same company. Many insurance companies also give discounts to long-time customers.

If you're looking for help finding auto insurance in Lincoln, NE, call Mid-Alliance Insurance Associates, LLC at (402) 421-7800.

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