Best Cheap Car Insurance for a School Permit in Nebraska

Writing this article would sure be easy if we could just give you the name of the single best car insurance company that has the cheapest policy rates in Nebraska. Regrettably, it’s not quite that easy, as there are a whole bunch of unknowns such as whether you have good or poor credit, if you are insuring for full coverage or just liability only, and whether you need higher levels of liability coverage. This article should teach you a little about the different ways you can keep rates low and will hopefully give you a jump start in finding the best auto insurance.

Figuring out which insurers offer the cheapest insurance rates for a school permit involves a little more sweat than just picking a company at random.

Each insurance company has a different formula to set their prices, so let’s examine the insurance companies with the overall best prices in Nebraska. It’s important that you understand Nebraska insurance rates are impacted by many things which can substantially decrease or increase the price you pay for coverage. Simply having another birthday, moving to a different location, or having an accident may cause policy rate changes that can now make some companies cheaper than others.

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Safeco has some of the most affordable car insurance rates in Nebraska at around $804 annually. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual also are some of the more affordable Nebraska auto insurance companies.

In this example, if you currently have coverage with Allied and switched to Safeco, you might see savings of upwards of $135. Nebraska drivers with Farm Bureau Mutual might save as much as $176 a year, and Farmers Mutual of Nebraska customers might cut rates by $185 a year.

These rates are averaged across all ages of drivers and types of vehicles and and are not figured with a price surcharge for a school permit. So the insurer that can offer you the lowest price may not even be featured in the chart above. That emphasizes why you need to get quotes using your own personal information and vehicle type.

For a learners permit, one of the largest considerations that car insurance companies take into consideration when calculating the amount you pay for auto insurance is where your home is located in Nebraska. Regions with more people or even just more weather-related claims like Alliance, Gering, and McCook tend to have higher rates, whereas more rural areas have the luxury of lower rates.

The illustration below shows the highest-priced places in Nebraska for a school permit to purchase car insurance in.

Rates are approximated as the vehicle garaging location can revise coverage prices noticeably.

Rate difference between full and liability-only coverage

Finding the best cheap auto insurance for a school permit in Nebraska is the goal of most drivers, and one easy way to buy cheaper insurance is to only buy liability insurance. The chart below illustrates the comparison of insurance costs with full phyical damage coverage and with liability coverage only. The information is based on a clean driving record, no claims, $250 deductibles, marital status is single, and no discounts are factored in.

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As an overall average, comp and collision coverage costs $2,107 per year over liability only. Many people question if you should buy full coverage at all. There is no clear-cut rule to delete physical damage insurance, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s pretend your vehicle’s replacement cost is $10,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $9,000 after you pay the deductible. If it’s costing you more than $900 a year for your policy with full coverage, then it may be the right time to buy liability only.

How careless driving impacts insurance rates

A great way to snag the best cheap auto insurance for a school permit in Nebraska is to be a careful driver and avoid accidents and violations. The illustration below shows how violations and accidents can increase insurance costs for each age group. The premiums assume a single female driver, full coverage, $250 deductibles, and no additional discounts are factored in.

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In the prior example, the average cost of auto insurance in Nebraska per year with no accidents and a clean driving record is $2,035. Get two speeding tickets and the average cost surges to $2,733, an increase of $698 each year. Now include two accidents along with the two speeding tickets and the annual cost of insurance for a school permit increases to an average of $5,289. That’s an increase of $3,254, or $271 per month, just for being a little careless behind the wheel!

How to get the best cheap auto insurance for a school permit in Nebraska

Below you’ll find some money-saving suggestions that can help Nebraska drivers buy lower-cost car insurance.

• Serious violations like DUI or reckless driving can increase rates dramatically
• Buying home and auto together can help save money
• If possible, pay for small claims out-of-pocket
• Don’t waste money on full coverage for older vehicles
• Vehicles with good safety ratings are usually cheaper to insure
• Remain accident-free and save
• Look for cheaper rates once a year by shopping around

That last tip is extremely necessary, as we hit on in this write-up. Auto insurance prices can change significantly in a year, so don’t be tentative to change to a new company if you find a cheaper price.

Brand loyalty is not necessarily bad, but we do not recommend it if that loyalty results in overpaying money that could be spent on other things. Take a few minutes and compare rates to find cheaper insurance for a school permit.