Cheapest Auto Insurance for Handicapped Drivers in Nebraska

The words “bargain” and “insurance” really shouldn’t be used together, specifically when looking for the cheapest car insurance for handicapped drivers. Because of the high cost, let’s teach you a few of the things the can have a considerable influence on auto insurance rates, and find a way to take a little off your next policy.

For Nebraska drivers, one of the things that auto insurance companies use when figuring insurance cost is where your home is located in Nebraska. Cities with more crime and/or more people like Scottsbluff, Lexington, and Alliance tend to pay higher rates, whereas more rural areas have the benefit of the cheapest auto insurance for handicapped drivers in Nebraska.

The table below sorts the higher priced cities in Nebraska for handicapped drivers to buy an auto insurance policy in.

Table data uses estimated as specific Nebraska zip code can affect premiums significantly.

The vehicle model needing coverage is probably the most important factor that determines whether or not you find the cheapest insurance for handicapped drivers. Vehicles with lower performance, a plethora of safety features, or a positive history of liability claims will cost less to insure than fast, unsafe models.

The next table outlines auto insurance premiums for a handful of the most cost-effective automobiles to insure in Nebraska.

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Information does not factor in specific location which can increase or decrease auto insurance rates greatly.

Looking at the numbers, we can assume that cars like the Honda Accord, Honda CR-V, Ford Escape, and Ford Focus will be the most economical vehicles to insure for drivers with handicaps.

Deciphering which insurers offer the cheapest car insurance rates for handicapped drivers takes more work than just picking a company at random. Each company uses a little different formula for determining prices, so to begin we’ll rank the most budget-friendly car insurance companies in Nebraska.

It’s important to understand that Nebraska car insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay for coverage. Simply having another birthday, buying a different home, or getting caught speeding can trigger rate changes resulting in some companies being cheaper than competitors.

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Safeco quotes some of the most affordable car insurance rates in Nebraska at around $812 a year. The Hartford, Allied, Auto-Owners, and Farmers Mutual of Nebraska also make the cut as some of the cheaper Nebraska car insurance companies.

As the rates illustrate above, if you currently have a policy with Auto-Owners and switched to The Hartford, you could realize an annual premium reduction of around $85. Customers with Farmers Mutual of Nebraska might save as much as $132 a year, and Farm Bureau Mutual customers might reduce rates by $133 a year.

Be aware that those rates are averaged for all types of insureds and vehicles and do not factor in a rate discount for handicapped drivers. So the car insurance company that fits your situation best may not even be shown in the list above. That points out the importance of why you need to get auto insurance quotes using your own driver information and specific vehicle type.

Discounts on the cheapest auto insurance for handicapped drivers in Nebraska

Insurance companies that provide coverage for handicapped drivers may also provide discounts that can reduce rates by 30% or more if you meet certain criteria. A few popular companies and the discounts they provide are detailed below.

The diagram below shows the comparison of auto insurance rates with and without discounts applied to the rates. The rates are based on a female driver, no claims or driving violations, Nebraska state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with safe-driver, accident-free, defensive driving course, multiple policy, multiple vehicle, and vehicle safety discounts applied. When these discounts are applied to the policy premium, the the amount saved on car insurance for handicapped drivers is % or $.

Progressive vs Allstate vs State Farm vs Geico

When researching car insurance for drivers with handicaps, four good companies to start with are Progressive, Allstate, State Farm, and Geico. The following table shows ratings and policy coverage options that policyholders can buy.