You can find the cheapest car insurance rates in Nebraska by doing an Internet search and narrowing down your prospective carrier list to a handful who will be happy to send you a free quote. It won’t be so easy, however, if you have less-than-stellar driving history, are a young driver under 25 or are a new or inexperienced motorist.

New/inexperienced drivers, drivers under 25, teen drivers and drivers with DUI, DWIs or other serious convictions pay much higher premiums than other drivers due to be in a high-risk category. Drivers with good driving histories may also end up paying more for car insurance due to other reasons. A driver who owns a sports car, consider a high-risk vehicle by insurance companies, will pay more for insurance than a driver who owns an SUV. A driver who lives or parks his car in a high-crime area may pay more for insurance due to the higher likelihood of theft. A driver who lives in the city will pay more for insurance than a driver who lives in a rural area, where there is less chance of an accident. Getting the cheapest car insurance rates in Nebraska isn’t just a matter of going with the lowest quote.

Nebraska state law requires drivers to carry a minimum of $25,000 Bodily Injury Liability coverage per person up to $50,000 per accident; and a minimum of $2,5000 Property Damage Liability coverage. Drivers are not required to carry Uninsured/Underinsured Motorist Bodily Injury coverage, but it may be to your benefit to consider purchasing it to cover you for bodily injury caused by an underinsured or uninsured driver. Nebraska operates under a Tort system in which a person must be found to be at fault for an accident, and he along with his insurer is held responsible for all damages.

Drivers for whom the cheapest car insurance rates in Nebraska is not possible may qualify for some of the premium-reducing discounts offered by many insurance companies. Good driver discounts, good student discounts, multiple-vehicle discounts, low-mileage discounts, and discounts for have your vehicle equipped with anti-theft devices, air bags and anti-lock brakes are there for the asking. It will most like mean enduring a sales pitch, but a phone consultation with an agent could be the difference between saving money on insurance or pay too much. An agent can help you choose the coverage that meets your needs, as well as explain the claims process, which is good to know if you should ever need file one.