Wed, November 20, 2019

Arapahoe, Arnold, Cambridge, Gothenburg, Holbrook - Nebraska Insurance Agency

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Almost every state requires you to buy a minimum amount of liability coverage. Nebraska’s minimum liability limits are $25,000 for injury liability for one person, $50,000 for all injuries, and $25,000 for property damage in an accident. However, the Insurance Information Institute recommends you carry at least $100,000 of bodily injury protection per person and $300,000 per accident.

In addition to liability coverage, consider buying collision and comprehensive coverage. This coverage is based on the market value of your car and the cost of repairing it. If you took out a loan to purchase your vehicle, you may be required to have comprehensive coverage.

Decide on a deductible—the amount of money you pay on a claim before the insurance company reimburses you. Typically, deductibles are $500 or $1,000. The higher your deductible, the lower your premium.

Discounts are available for individuals who complete driver education classes, students who maintain good grades, and for households with multivehicle and multipolicy plans.