Who Has Cheap Car Insurance Quotes for Drivers with a Bad Driving Record in Nebraska?

You have most likely seen the captivating commercials from insurers like Liberty Mutual and Allstate that claim the cheapest price, so drivers just need to select the one with the best jingle, right?

That is not the case, however, as there are a whole bunch of unknown aspects like your current insurance company, how well you maintain your credit, if your vehicle is for work or personal use, and whether you need higher levels of liability coverage. We know insurance is not everyone’s favorite topic, but in this article we will cover these types of topics and also should give you a good start in finding the cheapest car insurance in Nebraska.

The vehicle model needing coverage is one of the biggest factors when shopping around for cheap auto insurance for drivers with a bad driving record in Nebraska. Vehicles with higher performance characteristics, a lack of advanced safety features, or a high likelihood of having liability claims will cost more to insure than safer models.

The data below shows auto insurance rates for a selection of the more afforable vehicles to insure in Nebraska.

Data assumes single male driver age 40, two speeding tickets, two at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Table data does not factor in your specific Nebraska location which can revise prices considerably.

Above prices assume single male driver age 40, two speeding tickets, two at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Information does not factor in specific garaging location which can alter rates considerably.

Price data assumes single male driver age 40, two speeding tickets, two at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can raise or lower insurance rates substantially.

For bad drivers, one of the big criteria that affect the amount you pay each year for auto insurance is where your home is located in Nebraska. Areas that are more densely populated like Scottsbluff, Alliance, and Lexington tend to pay slightly more, whereas less populated areas can boast about having cheaper rates.

The table below ranks the priciest cities in Nebraska for drivers with a bad driving record to purchase auto insurance in.

Premium amounts are estimated as the specific geographic location can increase or decrease premiums significantly.

Figuring out which insurers offer the cheapest auto insurance rates for drivers with a bad driving record will take a bit more work in order to find the lowest price. Every insurance company uses different criteria to determine premium rates, so we’ll take a look at the most affordable auto insurance companies in Nebraska.

It’s important that readers know that Nebraska auto insurance rates are calculated based on many things which can substantially decrease or increase the price of your policy. Simply turning a year older, filing a claim, or getting caught speeding may generate price changes that may make certain companies affordable when they were higher priced.

Best Cheap Insurance Rates for Imperfect Drivers

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Safeco may have some of the cheapest car insurance rates in Nebraska at around $788 per year. The Hartford, Allied, Auto-Owners, and Farmers Mutual of Nebraska also make the cut as some of the cheapest Nebraska insurance companies.

As illustrated above, if you are a policyholder with Allied and switched to Safeco, you might realize yearly savings of about $123. Policyholders with Auto-Owners might save as much as $135 a year, and Farmers Mutual of Nebraska customers might see rate reductions of $191 a year.

To see how much you can save, click here to begin a quote or visit any of the companies below.

It’s important to note that these rates are averaged for all ages of drivers and types of vehicles and and are not figured with a price increase for drivers with a bad driving record. So the insurer that can offer you the lowest price may not even be shown in the list of companies above. That affirms the importance of why you need to compare as many prices as possible using your own driver data and vehicle information.

Full coverage rates vs. liability-only in Nebraska

Finding cheap auto insurance for drivers with a bad driving record in Nebraska should be important to the majority of drivers, and one of the quickest ways to buy cheaper insurance is to not buy comprehensive and collision coverage. The chart below illustrates the comparison of insurance costs with full phyical damage coverage and with liability coverage only. The price estimates are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are applied.

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Averaged for all age groups, physical damage coverage costs an additional $1,263 per year more than just buying liability insurance. At some point, every insured wonders if buying full coverage is a good investment. There is no definitive formula to drop comp and collision coverage, but there is a general guideline. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s assume your vehicle’s settlement value is $9,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $8,500 after you pay the deductible. If premium cost is more than $850 annually to have full coverage, then it might be time to buy liability only.

There are some circumstances where only buying liability is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not buy liability only.

Discounts on cheap auto insurance for drivers with a bad driving record in Nebraska

<img class="floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/auto-insurance-drivers-with-bad-driving-record-ne.jpg" alt="Cheaper Nebraska auto insurance for bad drivers” />Auto insurance companies that provide coverage for drivers with a bad driving record may additionally offer discounts that may potentially lower prices by 40% or more if you meet specific eligibility requirements. A list of auto insurance companies and some of the premium reductions they offer are included below.

• 21st Century may have discounts that include theft prevention, early bird, good student, anti-lock brakes, teen driver, and air bags.
• Progressive has discounts for good student, multi-policy, continuous coverage, multi-vehicle, online signing, online quote discount, and homeowner.
• State Farm offers discounts including driver’s education, good student, good driver, multiple policy, accident-free, and Drive Safe & Save.
• Nationwide may offer discounts for accident-free, good student, defensive driving, multi-policy, and family plan.
• Esurance has savings for anti-theft, online shopper, emergency road assistance, renters, multi-policy, and paid-in-full.
• The Hartford offers discounts for good student, bundle, air bag, anti-theft, defensive driver, vehicle fuel type, and driver training.

The chart below compares insurance premiums with and without discounts applied to the policy rates. The costs are based on a female driver, three violations and two at-fault accidents, Nebraska state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, multiple policy, vehicle safety, anti-theft, multiple vehicle, and passive restraint discounts applied. When drivers qualify for the discounts, the the average amount saved on auto insurance for drivers with a bad driving record is 28% or $1,394.

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Best rates: Allstate, Progressive, State Farm, or Geico

If you’re looking for the best auto insurance for bad drivers in Nebraska, four companies to consider are Allstate, Progressive, State Farm, and Geico. All of them offer physical damage and liability coverage, but each has a distict selection of optional coverages and features that buyers can choose from. The next table shows some of the different options shoppers can find with each company.

Cheap insurance quotes for bad drivers

There are a variety of different ways to find cheap auto insurance in Nebraska, but the most preferred methods are through an exclusive agency like Allstate or State Farm, a non-exclusive or independent agent, or direct either online or via phone.

Each way is similar, but it’s important to understand the differences in how they give price quotes.

Independent insurance agencies are appointed by several companies and can quote your policy with every one. Independent agents can get prices from more than one company, which may provide you with more bang for your buck. If prices rise, your policy can be moved and you can keep the same agent.

A captive or exclusive agent is able to quote prices with just one company, two examples are State Farm and Allstate agents. They usually cannot provide multiple price quotes, so you will not be able to compare their rates to other companies.

Buying direct means you forego an exlusive or independent agent and instead shop from a direct company like Esurance. Shopping direct can be a good choice for people who have an average risk profile and have a good understanding of what limits they need.

So which of the methods works best for finding cheap auto insurance for drivers with a bad driving record in Nebraska? We wish we could say buying from a direct car insurance company saves the most money since that prevents the need to pay agent commissions, but unfortunately, it’s not that simple. A valid argument could also be made that buying from an independent agent guarantees the lowest rates since there are more companies to choose from, but that is not accurate either. For some people, exclusive agents may have very competitive prices that are impossible to beat.

Since auto insurance prices are based on many different factors, the best method to not overpay for auto insurance is to get quotes and compare. Money-saving experts recommend you get rate quotes from independent agents, exclusive agents, and direct companies to have the best selection of rates to choose from. A great place to start is our list of online companies offering discounts: click here to view.