How Much are Auto Insurance Quotes for Unemployed Drivers in Nebraska?

The words “low-cost” and “auto insurance” really should not be used together, especially when looking for the best insurance rates for unemployed drivers. Because of the high cost, let’s start off by going over some things that have a considerable impact on auto insurance prices, and see if you can take a little off your next policy.

For the unemployed, one of the more important factors that insurance companies use to calculate insurance cost is where you keep your car in Nebraska. Areas that are densely populated or have higher claim frequency like Alliance, McCook, and Lexington likely pay more, whereas less populated areas generally have lower rates.

The illustration below shows the most costly cities in Nebraska for unemployed drivers to buy an auto insurance policy in.

Rate quotes are estimated as specific Nebraska garaging address can impact prices greatly.

The car, truck, or SUV you are buying coverage for is a large consideration when shopping around for cheap car insurance for unemployed drivers in Nebraska. Vehicles with average performance, good crash test ratings, or a track record of few liability claims will cost less to insure than high performance models.

The data below ranks auto insurance costs for some of the more afforable automobiles to buy insurance for.

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price information does not factor in garaging location in Nebraska which can alter prices significantly.

By looking at the data, models like the Ford Escape, Toyota Prius, Honda CR-V, and Chevrolet Impala will be a few of the most economical vehicles to insure for the unemployed.

Finding decent, budget car insurance is not the easiest thing to do, and figuring out which insurers offer the most affordable insurance rates for unemployed drivers may require even more shopping around. Every auto insurer uses slightly different criteria for setting rates, so let’s rank the most competitive insurance companies in Nebraska.

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Safeco may have some of the best car insurance rates in Nebraska at around $788 annually. The Hartford, Auto-Owners, Allied, and Nationwide are also some of the best Nebraska insurance companies.

As the rates illustrate above, if you are insured with Auto-Owners and switched to Safeco, you could earn annual savings of in the neighborhood of $117. Drivers with Allied may save as much as $133 a year, and Nationwide policyholders might cut rates by $209 a year.

Understand that those prices are averages across all insureds and vehicles and are not factoring in a rate decrease for unemployed drivers. So the auto insurance company that fits your needs best may not even be shown in the list of companies shown earlier. That affirms the importance of why you need to compare prices as often as possible using your own driver and vehicle profiles.

Driving violations and accidents

The best way to enjoy cheap car insurance for unemployed drivers in Nebraska is to be a good driver and not get tickets or have accidents. The information below shows how violations and at-fault collisions increase insurance premiums for each age group. The information is based on a single female driver, full coverage, $250 deductibles, and no discounts are factored in.

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In the previous chart, the average cost of car insurance per year with a clean driving record and no accidents is $1,654. Add in two speeding tickets and the average cost increases to $2,224, an increase of $570 each year. Next add one accident along with the two speeding tickets and the 12-month cost of insurance for unemployed drivers goes up to an average of $2,793. That’s an increase of $1,140, or $95 per month, just for not driving attentively!

Is the best company Geico, Progressive, Allstate, or State Farm?

When comparing car insurance for the unemployed in Nebraska, the top insurers to get price quotes from are Geico, Progressive, Allstate, and State Farm. The data below compares some of the different options that are available for buyers.