These general auto insurance tips will help Nebraska drivers find the best rates on their coverage.
1. Review current policy provisions.
Before starting to look for insurance, take the time to review the protection that is currently in place. Look for extras that add to the cost of coverage and consider dropping them in favor of a no-frills policy to keep costs down.
2. Stick to the minimum level of third party liability coverage required by law.
A policy with a higher limit will also have higher rates. By limiting the liability protection to the level mandated by the state, a driver can keep premium rates down.
3. Get quotes from several providers.
Rates for auto insurance coverage are set by each company independently. By taking the time to get quotes from several providers, a consumer can find the best rates for the level of coverage that he or she needs.
4. Consider dropping physical damage coverage for older vehicles.
Collision and comprehensive coverage pay out based on the vehicle’s cash value. Older model vehicles which have been fully paid for likely have low cash values, and consumers are effectively paying the same amount for a level of protection that continually decreases over time. Dropping the collision coverage entirely and limiting the comprehensive protection to fire and theft only will help Nebraska auto insurance buyers keep coverage costs down.