Lincoln is Nebraska’s capital city with a population of around 250,000 people. This city was renamed from Lancaster to Lincoln after Abraham Lincoln was assassinated. It is the second biggest city in Nebraska. Omaha is the largest city in Nebraska, and you can drive from Lincoln to Omaha in an hour using Interstate 80. The average commute time of the cities in the United States is 25.2 minutes. Lincoln has a commute time of around 17 minutes, which is comparatively shorter. A call to 511 will get you information about construction delays, weather issues, and accidents. Residents in Lincoln can plan their day accordingly. Auto theft in Lincoln is lesser than the national average, which is a bit favorable for the insurance companies. This helps when you are searching for car insurance Lincoln NE. However, the areas with high theft rate will have a higher insurance premium. Car insurance in Lincoln NE is economical, and it is around 18% lower than the national average. It is also known as the most favorable city to buy auto insurance. You can check the best car insurance companies online so that you know what is the best car insurance in Lincoln Nebraska.
A safety requirement in Lincoln is drivers and co-passengers should buckle up in seat belts. Kids between the age of 6-years and 8-years should ride in a safety seat or booster seat. It is banned to text while driving. In Lincoln, you may drive without wearing a seat belt and not get pulled over; however, you can get a ticket if your child is not buckled up in a child safety or booster seat. Driving under the influence of alcohol or drugs is a huge offense. The alcohol concentration in the blood should not exceed more than 0.08 percent. For commercial drivers, the alcohol concentration in the blood is below 0.04 percent, and minors should be below 0.02 percent. Offenders, if convicted, can be fined and also serve a jail term. Even the license can be suspended for a period of 6 months.
Drivers in Lincoln should carry a minimum liability amount of insurance to legally drive in the city, which is as follows:
- Liability limit for bodily injury – $25,000 per person
- Liability limit for bodily injury – $50,000 per accident
- Liability limit for property damage – $25,000
- Uninsured and underinsured motorist insurance coverage – $25,000 per person
- Uninsured and underinsured motorist insurance coverage – $50,000 per accident
Types of Coverage for Car Insurance in Lincoln NE
The Nebraska state requires all drivers to carry at least a limited liability so that you’re covered for your medical expenses and property damage in the event of an accident. Without insurance coverage, it could be a huge financial burden if you happen to be in an accident. Therefore, it is quite essential for you to carry liability coverage and take additional coverage to cover unforeseen expenses. An uninsured or underinsured motorist insurance coverage works as an advantage if you’re in an accident with an uninsured or underinsured motorist. They most likely won’t be able to take huge financial responsibilities; however, your insurance coverage will cover you.
There are other auto insurance coverages that you can consider adding to your policy after inquiring with your insurance provider. These policies will cover you and will work in your advantage in case of unforeseen circumstances. If you’re in an accident, and your car is damaged, then collision insurance will take care of the expenses of repairs or even if it requires you to replace the vehicle.
Comprehensive coverage is an additional cover along with the collision coverage. It will cover your expenses if your car is damaged due to bad weather conditions, vandalism, or auto theft. Medical expense coverage will help in paying for your medical expenses from an accident. Personal Injury Protection is similar to medical expense.
It covers other expenses incurred due to the accident like childcare expenses and loss of wages. Ask your insurance provider, the coverages that will be beneficial for you and accordingly add them to your auto insurance.
Factors that Determine the Best Car Insurance in Lincoln Nebraska
In Lincoln, compared to driving violations, reckless driving will lead to a higher insurance premium. Accidents at-fault can damage your driving records. It is imperative to keep your record clean if you want to keep your insurance premium economical. Damaged driving history can cost you a premium much higher than the city’s average premium.
Age, gender, marital status, credit rating, and your location are considered by insurance companies to determine premium rates. The premium amount gradually declines from the age group of 20 to 60. The premium rate starts to increase from the age group of 70. Teenagers pay a higher premium amount as they are considered inexperienced by the insurance companies. Compared to females, males pay a lower premium amount. Being married is an advantage for cheaper insurance premium as compared to a single or divorced motorist. Maintaining a good credit rating is essential to get a better insurance cost. An auto insurance company has made an observation that motorist with poor credit file more claims. This is an expense to the insurance company. Hence poor ratings are charged a higher insurance charge. A locality with a high number of auto theft is also a risk for insurance companies. A high number of thefts will lead to a high number of claims. Hence, residents living in a good locality pay a lesser premium as compared to a locality with high rate.
Compare insurance from at least three insurance providers, check their ratings on NAIC, and then buy insurance from the company that you can trust.