Cheap Auto Insurance Quotes for Drivers with a DUI in Nebraska

The vehicle model requiring insurance is a large consideration when shopping for low-priced car insurance for drivers with a DUI. Vehicles with average performance, an excellent safety record, or a track record of few liability claims will cost quite a bit less to insure than adrenaline junky models. The information below presents coverage rates for some of the most economical automobiles to insure in Nebraska.

Table data represents married female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, and claim-free. Prices do not factor in specific garaging location which can change coverage rates considerably.

Looking at the rates, you can presume that cars like the Ford Escape, Honda CR-V, Hyundai Elantra, Honda Accord, and Toyota Prius are most likely to be a few of the most affordable vehicles to insure after getting a DUI. Rates will tend to be more expensive just because there is more exposure for drivers with a DUI, but in general those particular vehicles will most likely have the best rates that you’ll find.

One of the key things that is used to calculate rate quotes is where you keep your vehicle in Nebraska. Cities with larger populations or higher claims like Scottsbluff, Lexington, and South Sioux City tend to have more expensive car insurance rates, whereas areas with less crime or weather claims generally pay lower car insurance rates.

The illustration below sorts the priciest cities in Nebraska for drivers with a DUI in which to buy car insurance.

Prices are comparative as the specific geographic location can modify coverage rates considerably.

Comparing quotes for cost effective car insurance is difficult, and determining which companies have the lowest-priced insurance rates for drivers with a DUI will require a bit more work. Policy prices will most likely be much more than the average price in Nebraska attributed to the potential for higher claims associated with offering insurance after getting a DUI, but competitive coverage should be achievable with some perseverence. Each insurer has their own process for setting prices, so let’s begin by taking a look at the most affordable insurance companies in Nebraska.

It’s important to understand that Nebraska insurance rates are impacted by many things that control your annual premium. Taking a driver safety course, adding a teenager to your policy, or getting a few speeding tickets can trigger changes in premium resulting in some companies being more affordable than competitors.

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Safeco may offer some of the lowest car insurance rates in Nebraska at around $788 annually. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska would also be considered some of the lowest-priced Nebraska auto insurance companies.

In this example, if you are currently insured with Auto-Owners and switched to Safeco, you might achieve a yearly savings of approxmiately $144. Customers with Allied may save as much as $151 a year, and Farmers Mutual of Nebraska customers might realize rate reductions of up to $201 a year.

To find cheap car insurance for drivers with a DUI in Nebraska for your vehicle, click here to get a free quote or visit any of the companies below.

It’s important to note that these rates are averaged across all insureds and vehicles and do not factor in a price increase for drivers with a DUI. So the car insurance company that fits your age and vehicle best may not even be in the above rate chart. That is why you need to get rate quotes from many companies using your own personal information and vehicle type.

Finding a high-quality insurance provider can be challenging considering how many companies are available to choose from in Nebraska. The company information below may help you choose which companies to look at shopping your coverage with. The rankings below are only comprised of major nationwide insurance companies, so companies without a large exposure are not included in this list.

Who has the cheapest insurance quotes after getting a DUI?

Drivers have a lot of different ways to quote insurance rates in Nebraska, but the most common ways are through a captive (or exclusive) agent like State Farm or Liberty Mutual, a non-exclusive or independent agent, or direct either online or via phone.

All three ways can provide insurance quotes, but buyers should know the differences in how they provide rate quotes.

Independent agents write for multiple companies and can do rate comparisons with every one. These types of agencies do not write with just one company and can give you more rate choices, which may give you a better overall rate comparison. If you want to switch companies, they simply move the coverage in-house and you don’t have to switch agencies.

A captive, or exclusive, agent is able to place business with one company, two examples being a State Farm or Farmers agent. Exclusive agents cannot provide multiple price quotes, so if prices are high they cannot provide alternatives.

The third popular method of shopping for insurance is direct, which means you forego an independent or exclusive agent and instead buy direct either online or via phone. Shopping direct is good for consumers who have fewer assets and have an above average understanding of what limits they need.

Which method works best to buy cheap car insurance for drivers with a DUI in Nebraska? Our initial answer would be shopping direct saves money since there is no need to pay agent commissions, but in reality, that is not true. We’d also like to say going through an independent agent is the best way to save since they have access to many companies, but that assumption is also not accurate. And sometimes, exclusive agencies may have very competitive prices that are the cheapest in Nebraska.

Because of the variability of insurance rates, the only true way to ensure the lowest rates is to do a thorough rate comparison. If you have the time, get prices from all three to give yourself plenty of rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

Tips for buying the cheapest car insurance for drivers with a DUI

Here are a few penny-pinching suggestions that can help you get low-cost coverage.

• Buy a car with high safety ratings
• Higher credit scores can equal lower rates
• Prevent price hikes by avoiding at-fault accidents
• Avoid getting tickets or violations
• Increase your policy deductibles
• Compare rates and switch if you can find a better deal

That last piece of advice is extremely necessary, as we hit on in this piece. Prices charged by car insurance companies can be changed at any time, so drivers shouldn’t hesitate to switch carriers if a cheaper price is available.

Many drivers prefer to stick with one company, but it’s not a good idea if it’s costing you big bucks every year. It only take a few minutes to compare prices and find cheaper car insurance for drivers with a DUI.