Who Has Cheap Car Insurance Quotes for 16 Year Olds in Nebraska?

It’s impossible to miss the catchy advertisements from companies like Progressive and GEICO that make claims of the cheapest price, so you should just pick the company with the best ad, right?

It’s just not that easy, however, as there are a whole bunch of unknown aspects such as the number of years you have been driving, if you have any chargeable driving offenses, your marital status, and whether you are male or female. We will attempt to cover the best ways to avoid overpriced car insurance and should give you a solid foundation to find cheaper car insurance.

The make and model of vehicle requiring coverage is a large factor in finding cheaper car insurance for 16 year olds. Vehicles with more horsepower, a lack of safety features, or an increased likelihood of liability claims will cost substantially more to insure than more modest models.

The list below estimates coverage rates for some of the most budget-friendly automobiles to buy insurance for.

Table data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in specific location which can modify coverage prices substantially.

Looking at the numbers, you can assume that vehicles like the Honda CR-V, Ford Escape, Chevrolet Traverse, Toyota Prius, and Honda Odyssey should be a few of the cheaper vehicles to insure for new drivers. Prices will trend higher just because there is a higher risk for 16 year olds, but in general those particular vehicles will have the best insurance prices compared to other types of vehicles.

For new drivers, one of the big things used to determine the amount you pay for auto insurance is your address. Larger areas like Scottsbluff, Alliance, and North Platte likely pay more, whereas areas with less traffic congestion and claims tend to receive cheaper rates.

The information below shows the most expensive cities in Nebraska for 16 year olds to purchase car insurance in.

Premium amounts are comparative as the specific zip code location can raise or lower coverage prices noticeably.

Illustration showing the impact of accidents and violations

In a perfect world, the ideal way to receive the most affordable auto insurance prices in Nebraska for new drivers is to be an attentive driver and not have accidents or get tickets. The diagram below illustrates how speeding tickets and accidents raise yearly insurance costs for different insured age categories. Data assumes a single female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

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The data in the chart shows the average cost of car insurance in Nebraska per year with no accidents and a clean driving record is $2,182. Factor in two speeding tickets and the average cost increases to $2,938, an increase of $756 each year. Then add two accidents along with the two speeding tickets and the annual cost of auto insurance for 16 year olds goes up to an average of $5,644. That’s an increase of $3,462, or $289 per month, just for being a little careless behind the wheel!

How to find cheap auto insurance for 16 year olds in Nebraska

The list below shows many penny-pinching solutions that can help drivers locate more affordable car insurance.

• If your vehicles are older, consider dropping full coverage
• Higher credit ratings may save you money
• Safer vehicles generally have cheaper insurance rates
• Prevent rate increases by staying accident-free
• Increase the comprehensive and collision deductibles on your policy
• Keep your driving record clean
• Check for cheaper rates once a year

The last idea is highly crucial, as we pointed out in the prior information. Coverage rates change constantly, so you should be ready to switch to a new company if a cheaper price is available.

Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that stubbornness costs you big bucks every year. Spend a few minutes and compare prices to find cheaper auto insurance for 16 year olds.

Best cheap insurance quotes for new drivers

There are quite a few ways to quote auto insurance rates in Nebraska, but the three most common are through an independent insurance agent, a captive (or exclusive) agency such as Liberty Mutual or State Farm, or buying direct from a company like Progressive or Geico.

All three ways are similar, but buyers should know the differences in how they price policies.

Independent insurance agents are appointed by several companies and can compare rates with all of them. Agents of this type are able to quote rates with many companies, which can help you get the best shot at cutting your rates. If you want to switch companies, your agent can switch companies which is easy for the insured.

A captive or exclusive agent is only able to quote rates from just one company, two of the more popular are Farmers Insurance or State Farm agents. Exclusive agents normally do not have the ability to compare rates from other companies, so it’s a take it or leave it situation.

The last way is buying direct, which means you do not use a local agent and instead buy from a direct company like Esurance or Progressive. Buying direct may be a decent choice consumers who have little risk and know the limitations of their policy.

Which method works best for finding cheap auto insurance for 16 year olds in Nebraska? It would be easy to say shopping direct results in the cheapest price since there isn’t an agent involved, but that generally is not the case. We’d also like to say using an independent agent results in the cheapest rates because they can quote many companies, but that is not accurate either. In many circumstances, exclusive agencies have very competitive rates that cannot be met by either independent or direct companies.

Because there is so much variation in auto insurance prices, the guaranteed way to not overpay for auto insurance is to obtain price quotes and compare them. Experts recommend getting price quotes from independent, exclusive, and direct 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.