Cheapest Car Insurance Quotes for High Risk Drivers in Nebraska

You have probably seen the catchy advertisements from auto insurance companies like Liberty Mutual and Farmers that make promises of huge savings, so you just need to pick the company with the cutest commercial, right?

It’s not that easy, however, as there are a lot of unknown aspects such as your gender, if you are married, and how high your deductibles should be, that help determine the price you have to pay. In this article, we will teach you about the different ways you can keep rates low and will give you a solid foundation to find cheaper car insurance.

For high risk drivers, one of the largest components that control the price of your policy is where your home is located in Nebraska. Areas with increased crime or more people like Alliance, Gering, and McCook likely pay more, whereas more rural areas receive better rates.

The illustration below sorts the most expensive places in Nebraska for high risk drivers to purchase auto insurance in.

Rates are comparative as specific location information can lower or raise insurance rates noticeably.

The car, truck, or SUV you are trying to insure is one of the largest factors when looking for economical coverage for high risk drivers. Vehicles with higher performance characteristics, poor passenger safety features, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models.

The next list shows insurance rates for a selection of the most cost-effective automobiles to insure in Nebraska.

Premium data assumes married female driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in specific garaging location which can alter insurance rates substantially.

Looking at the data, you can conclude that makes and models like the Honda CR-V, Honda Accord, Chevrolet Traverse, Toyota Prius, and Hyundai Tucson are going to be some of the most budget-friendly vehicles to insure for high risk drivers. The cost of a car insurance policy will tend to be more expensive just due to the fact that there is a higher risk for high risk drivers, but overall those makes and models will most likely have the cheapest auto insurance rates compared to all other vehicles.

Rate increases following a ticket or accident

A great way to find cheap auto insurance prices in Nebraska for high risk drivers is to be a cautious driver and not get tickets or have accidents. The diagram below illustrates how traffic citations and at-fault claims can increase insurance rates for each age group. The rates are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

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The data in the chart shows the average cost of a car insurance policy in Nebraska per year with no accidents or violations is $1,579. Get written up for two speeding tickets and the average cost hikes up to $2,088, an increase of $510 each year. Then add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for high risk drivers increases to an average of $3,971. That’s an increase of $2,393, or $199 per month, just for not being more responsible behind the wheel!

State Farm, Progressive, Geico, or Allstate: Who is best?

If you’re looking for the best auto insurance for high risk drivers, four companies to take a look at are State Farm, Progressive, Geico, and Allstate. All of them have slightly different coverage options that may steer you one way or another. The following table illustrates some of the ratings and options that are available for buyers.

Ideas for buying the cheapest auto insurance for high risk drivers

Here are a few penny-pinching ideas that can help Nebraska drivers locate the cheapest coverage.

• You will pay more if you get tickets or have at-fault accidents
• Assess whether full coverage is needed
• Avoid having at-fault accidents
• Safer vehicles cost less to insure
• Bundle home or renters insurance to earn a discount on car insurance
• Frequent claims will increase rates
• Compare rates once a year for cheaper prices

The last item on the list is highly critical, as we discussed in the article above. Prices charged by companies fluctuate constantly, so drivers shouldn’t be reluctant to change to a new company if a cheaper rate is available. Staying with the same company for years is fine, but we do not recommend it if that inflexibility results in costing you a considerable chunk of change every month. It takes less than five minutes to compare prices and find cheaper insurance for high risk drivers.

Best cheap insurance quotes for high risk drivers

There are many ways to comparison shop for auto insurance in Nebraska, but the most preferred are from an independent agent, an exclusive agency like Allstate or Liberty Mutual, or direct online or over the phone from a company like Geico or Progressive. Each way has the same basic steps, but each is different in how they give price quotes.

Independent agents are appointed by several companies and can provide price quotes from every one. Independent agents do not write with just one company and can compare multiple rates, which can give you a better chance of finding cheaper coverage. If premiums increase, they simply move the coverage in-house and you won’t have to switch agencies.

An exlusive, or captive, agency is limited to one company such as Liberty Mutual and Allstate agents. These agents usually cannot provide rate quotes from other companies, so if finding the cheapest auto insurance is your goal, you will want to shop around.

Consumers who buy auto insurance direct do not use local agents and buy buying direct from a company like Progressive or Geico. This option may be a decent choice people who do not have a complex risk profile and know what coverage limits and deductibles they need.

What is the best way to find the cheapest auto insurance for high risk drivers in Nebraska? We would first guess that buying direct results in the best prices since that prevents the need to pay agent commissions, but unfortunately, it’s not that simple. And we’d like to say an independent agent guarantees the lowest rates due to increased selection, but that assumption is not true either. And sometimes, exclusive agents may have prices that cannot be beaten by either independent or direct companies.

Since auto insurance rates vary so much, the guaranteed way to ensure the lowest rates is to get rate quotes and compare. Make the effort to get price quotes all three ways to give yourself plenty of rates to compare. For a list of companies with some of the cheapest Nebraska auto insurance rates, click here to view.