In Nebraska, drivers need to compare vehicle insurance rates before taking out a policy. Whether it is time for renewal, if you are buying a new car or you have just decided to shop around to see if you can cut costs, you will find that the different companies serving Nebraska drivers fluctuate widely in the prices they quote. Before you begin, be sure that you understand exactly what you must have in terms of coverage and what you should consider having.

In Nebraska, there are three different forms of coverage that are mandatory: liability, uninsured motorist and underinsured motorist. Liability limits must be no less than $25,000 for bodily injury per person; $50,000 for bodily injury per accident in total; and $25,000 for property damage per accident.

Uninsured Motorist coverage is to protect you in case of bodily injury in an accident where the at-fault driver is uninsured. Nebraska has one of the 5 lowest levels of uninsured drivers in the nation, with only 7.8% of vehicle owners opting to drive without insurance. Regardless of the relatively low risk for an accident with an uninsured driver, the state has wisely opted to protect its citizens through mandatory uninsured motorist coverage. Mandatory underinsured motorist coverage is in place to protect those who suffer bodily injury in an accident caused by a driver with insufficient levels of coverage.

Nebraska Drivers Compare Vehicle Insurance Rates: Coverage to Consider

Even though the state of Nebraska has mandatory liability coverage and underinsured motorist coverage to protect citizens from those who carry insufficient liability, industry professionals still agree that in order to protect yourself adequately, all car owners should carry higher liability limits. The recommended amounts are: $100,000 for bodily injury liability per person; $300,000 for bodily injury liability per accident; and $100,000 for property damage per person.

In addition, collision and comprehensive are necessary forms of coverage for individuals who have financed vehicles, because the lien holder will require such coverage. For those without a lien but with vehicles that have a significant value, it is also wise to consider these two forms of physical damage coverage. Collision provides for repair or replacement of a car damaged in an at-fault accident. Comprehensive provides for repair or replacement of a car damaged through a non-moving incident like theft or fire.

Other types of coverage to consider include personal injury protection, which provides for you and your passengers in case of bodily injury in a car accident, regardless of fault. You should also consider coverage that can help out when you need it most, like rental car coverage and towing and labor costs.

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