How Much Does Auto Insurance Cost for Government Employees in Nebraska?

When talking about auto insurance, the word “cheap” should never appear anywhere in the article as a descriptor for auto insurance rates. Please forgive the oxymoron, but cheap car insurance for government employees can be hard to find. Don’t let that ruin your day, because we are going to tell you how you can quote auto insurance that is more affordable.

When shopping for cheaper insurance for state and federal workers, one of the many factors used to calculate the annual cost of car insurance is where your home is located in Nebraska. Areas with more people or more claims like Scottsbluff, Alliance, and Lexington tend to pay higher rates, whereas areas with less congestion generally pay less for insurance.

The information below displays the highest-priced places in Nebraska for government employees to purchase auto insurance in.

Annual rates are estimated as specific location information can increase or decrease insurance rates noticeably.

Establishing which company quotes the cheapest car insurance rates for government employees will involve a little more work than just quoting one company’s rates. Each company uses a different method for establishing rates, so we’ll go over the car insurance companies with the overall best prices in Nebraska.

It’s important that you understand Nebraska car insurance rates are determined by lots of factors which can substantially decrease or increase the policy premium. Simply improving your credit, buying another vehicle, or having an at-fault accident may prompt premium changes that can make some companies more affordable than the competition.

Best Cheap Insurance Rates in Nebraska

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Safeco generally has some of the cheapest car insurance rates in Nebraska at around $788 each year. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual would also make the list of some of the most economical Nebraska insurance companies.

As shown in the rates above, if you buy coverage from Allied and switched to Safeco, you may see an annual premium reduction of upwards of $151. Insureds with Farm Bureau Mutual might save as much as $202 a year, and Nationwide insureds might see rate reductions of $209 a year.

Remember that these policy prices are averages for all drivers and vehicles and and are not figured with a price decrease for government employees. So the company that is best suited for you may not even be shown in the list of companies above. That point stresses why you need to compare rates from multiple companies using your own driver and vehicle profiles.

The example below demonstrates how choosing different deductibles can impact insurance costs when researching cheap insurance for government employees. The rate quotes are based on a married male driver, comp and collision included, and no policy discounts are applied.

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The chart above illustrates that a 40-year-old driver could lower rates by $282 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $424 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old example, could lower their rates as much as $950 annually just by choosing higher deductibles.

If you do raise deductibles, it is important to have enough savings to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

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

If you are shopping around for auto insurance, four good companies to start with are State Farm, Geico, Allstate, and Progressive. All four can cover your vehicle for liability and physical damage, but each one has a distinct set of features and optional coverages that you can choose from. The next table points out price, claims, and customer service ratings, as well as some optional coverages that may be available in your state.

Tips to find low-cost auto insurance for government employees

It is possible to find better rates, and here are some of the better money-saving ideas that can help Nebraska drivers get the cheapest car insurance.

• Discounts for being claim-free can be substantial
• Increase your comprehensive and collision deductibles
• Improve your credit score
• Prevent price hikes by avoiding at-fault accidents
• Speeding tickets and other violations increase rates
• Insure your home and auto with the same company
• Compare rates once a year for cheaper prices

The last item on the list is extremely critical, as was affirmed in the article above. Prices charged by auto insurers in Nebraska adjust often, so drivers shouldn’t be reluctant to buy from a new company if a more affordable price is available. Staying with the same company for years is fine, but it’s not recommended if that devotedness results in you overpaying hundreds of dollars a year. In just a few minutes you could shop around to find cheaper car insurance for government employees.

Cheapest insurance quotes for state and federal workers

You have a lot of ways to quote and buy car insurance in Nebraska, but the most popular are through a non-exclusive or independent agent, a captive (or exclusive) agency like Allstate or Liberty Mutual, or direct either online or via phone. You can use whichever method you prefer, but car insurance buyers need to understand the differences in how they provide rate quotes.

Independent agencies can place your business with multiple companies and can get rate quotes from every one. Agents of this type can quote with many companies and compare multiple rates, which may provide you with a better chance of saving money. If your agent finds better pricing, your agent can just switch to a different company and the insured can keep the same agent.

A captive, or exclusive, agent is only able to place business with a single company, two popular examples being an Auto-Owners or State Farm agent. They generally cannot quote rates from more than one company, so you need to shop around if the rates are high.

Consumers who buy car insurance direct forego a local insurance agent and instead buy from a direct company like Esurance or Progressive. Buying car insurance direct may be good for drivers who do not need advice for asset protection and have some degree of understanding of what specific coverages and deductibles they need.

Out of those three methods, which one works best for finding cheap auto insurance for government employees in Nebraska? It would be premature to say shopping direct results in the cheapest rates because there is no agent involved, but unfortunately, that is not always true. It could also be said going through an independent agent results in the cheapest rates due to having more companies to select from, but that assumption is also not accurate. And often times, the exclusive agents have very competitive rates that are the cheapest.

Since car insurance companies use so many rating factors, really the best method to find out which one is cheapest is to compare, compare, and compare some more. It’s recommended that drivers get prices from all three in order to be able to find the lowest price. For a list of companies with some of the cheapest Nebraska car insurance rates, click here to view.