Best Cheap Car Insurance Quotes for College Students in Nebraska

The vehicle model you are insuring is one of the largest factors that determines whether or not you find the best cheap insurance for college students. Vehicles with reasonable performance levels, advanced safety features, or a low likelihood of having liability claims will cost much less to insure than adrenaline junky models.

The next list ranks car insurance rates for a number of the most cost-effective automobiles to insure in Nebraska.

Prices based on single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific Nebraska garaging location which can lower or raise coverage rates substantially.

Looking at the numbers, makes and models like the Ford Escape, Chevrolet Traverse, Honda CR-V, Honda Accord, and Toyota Prius are the less-costly vehicles to insure for students in college. The cost of a car insurance policy will trend higher because there is more liability risk for college students, but generally speaking those vehicles will probably have the lowest insurance rates compared to other types of vehicles.

Establishing which company quotes the most affordable insurance rates for college students involves more time in order to find the lowest price quote. Every auto insurer has a proprietary method to set their prices, so let’s take a look at the insurance companies with the most affordable rates in Nebraska.

We do need to point out that Nebraska insurance rates are calculated based on many things which can substantially decrease or increase the policy price. Improving your credit score, moving across town, or getting a few speeding tickets may generate price changes that can make some companies cheaper than competitors.

Cheap Insurance Rates for College Students

Compare Rates and Save

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Safeco quotes some of the best car insurance rates in Nebraska at around $804 annually. The Hartford, Allied, Auto-Owners, and Farmers Mutual of Nebraska would also make the list of some of the more affordable Nebraska car insurance companies.

As the rates illustrate above, if you buy coverage from Auto-Owners and switched to The Hartford, you may see savings of about $84. Customers with Farmers Mutual of Nebraska may save as much as $170 a year, and Farm Bureau Mutual insureds might lower prices by up to $171 a year.

To see if your current coverage is too expensive, click here to start your free quote or click through to the companies below.

Remember that these policy rates are averaged for all drivers and vehicles and do not take into consideration a price surcharge for college students. So the auto insurance company that fits your age and vehicle best may not even be included in the above rate chart. That helps illustrate why you need to get rate quotes using your own personalized driver profile and vehicle information.

For students in college, one of the more important components that auto insurance companies use to calculate insurance cost is where your home is located in Nebraska. Areas with increased crime or more people like Scottsbluff, Gering, and Alliance are more likely to have higher rates, whereas areas with less crime or weather claims have the benefit of the best cheap car insurance for college students in Nebraska.

The following table displays the highest-priced places in Nebraska for college students in which to purchase auto insurance.

Rates are approximated as specific Nebraska garaging address can modify premium rates noticeably.

The chart below shows how choosing a deductible can raise or lower insurance premiums when getting quotes for cheap insurance for college students. The rates are based on a single female driver, full coverage, and no other discounts are factored in.

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In the chart above, a 50-year-old driver could save $236 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $358 by changing to a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could shave up to $602 or more by choosing a higher deductible. When choosing a higher deductible, it will now be necessary to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Ratings for Nebraska insurance companies

Insuring your vehicle with a highly-rated company can be a challenge considering how many companies there are to choose from in Nebraska. The company information in the lists below can help you choose which providers you want to consider when comparing rates. These ratings are for large nationwide companies, so companies with more of a regional focus are not included in this list.

Top 10 Major Auto Insurance Providers in Nebraska Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. Liberty Mutual
5. State Farm
6. Allstate
7. Safeco Insurance
8. Travelers
9. 21st Century
10. Nationwide

Who has the cheapest insurance quotes for students in college?

Thanks to technology, drivers have a lot of ways to quote insurance rates in Nebraska, but the most common methods are from a non-exclusive or independent agent, a captive (or exclusive) agency such as State Farm or Allstate, or direct online or over the phone from a company like Progressive or Geico. They all have the same basic principle, but they are slightly different in how they provide price quotes.

Independent insurance agents work with multiple companies and can compare coverage rates with every one. Independent agents have the option to give you more rate choices, which can give you the best shot at cutting your rates. If prices rise, your policy can be easily switched to a new company and you stay with the same agent.

An exclusive agent is only able to quote your policy with just one company such as a Liberty Mutual or State Farm agent. Exclusive agents cannot give you multiple price quotes, so they have no alternatives for high prices.

Buying direct means you bypass local insurance agents and instead shop from a direct company like Progressive. This option may be good for people who have limited assets and have some degree of understanding of what specific coverages they need.

So which method is best for finding the best cheap car insurance for college students in Nebraska? The quick answer would be buying direct results in the cheapest rates because there isn’t an agent involved, but unfortunately, that is not always true. It would also be easy to say using an independent agent guarantees the cheapest rates because they can quote many companies, but that assumption is also not accurate. In many cases, exclusive agencies have very competitive rates that are the cheapest.

Since insurance prices vary so much, really the only way to ensure you are not overpaying for insurance is to compare lots of quotes. If time allows, get price quotes from all three to have a good selection of rates to choose from. For a list of companies with cheap rates in Nebraska, click here to view.

Tips for buying the cheapest car insurance for college students

The list below summarizes many thrifty ideas that can help Nebraska drivers quote cheaper car insurance.

• Buy a car with high safety ratings
• Improve your credit score
• Avoid at-fault accidents and claims
• Raise physical damage deductibles
• Violations and traffic tickets increase rates
• Shop around for cheaper prices often

That last idea is very crucial, as we noted in this article. Prices charged by auto insurers in Nebraska can be adjusted at any time, so don’t be hesitant to buy from a different company if a lower-cost policy is available. Having brand loyalty is commendable, but it isn’t a good idea if it’s costing you money that could be going to better use. If you have a few minutes, compare prices and find cheaper insurance for college students.