As a Nebraska driver, you might think that all you are responsible for is having car insurance. In truth, however, you are responsible for having auto insurance coverage that meets minimum requirements set in place by the Nebraska Department of Insurance.  You must also keep your insurance current. Even missing one payment can cause you to lose insurance and thus be subject to the penalties, such as fines and fees, which are handed out to those drivers operating a vehicle with no insurance. Fortunately, the requirements set in place are very manageable for even the most meager budget. Nebraska minimum auto insurance requirements state drivers must have at least $25,000 in coverage for accidents in which one person is injured, at least $50,000 in coverage for accidents in which more than one person is injured and at least $25,000 in property damage coverage.

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While these low requirements will have to work for smaller budgets, those who can afford to are advised to opt for more coverage in each area. Generally, to be adequately protected, you will need at least $100,000 in automobile insurance and have some type of collision and comprehensive car insurance in pace. State laws only ever require liability insurance and liability insurance does cover damages to your or your vehicle when the accident as your fault. Fortunately, it does not usually cost much to increase coverage once you already have a policy in effect, so even if you have to start small and slowly build up your coverage amount, you can eventually have the protection that you need and deserve.

Average Auto Insurance Rates in Nebraska

Nebraska drivers have some of the lowest auto insurance rates in the nation averaging just $914 per year, compared to a national average annual premium of $1,440 per year. This does not mean, however, that you shouldn’t be diligent about finding the best provider you possibly can. If you have a good driving record and compare auto insurance companies you can end up paying well below the average premium. When you consider that the average person will pay car insurance premiums for a period of fifty years, you don’t want to overpay for even a month of your life!

Nebraska Teen Driving Laws

If you are the parent of a teenage driver, then you are probably thinking that your auto insurance rates are going to go way, way up. This doesn’t have to be the case however. There are discounts available to responsible teen drivers. Before we discuss these discounts, however, it is important to understand what “responsible” means in terms of driving. Responsible means that your teen knows and understand the laws surrounding minor drivers and that he or she abides by them at all times. Even the smallest violation can end up costing you earl in increased auto insurance rates and even possibly suspension of the teen’s driving privileges.

The rules in Nebraska for teen drivers are fairly straightforward. All drivers must obtain a learner’s permit before they can obtain an official license. To get this learner’s permit and to be able to drive legally, a teen must be at least fifteen years of age, and he or she must keep this permit for a period of at least six months. During this period of time, the teen is required to get at least fifty hours of driving practice, ten of which should be at night. If the teen takes driver’s education courses approved by the state, then he or she will not be subject to the practice regulations.

Once a teen has held his or her permit for at least six months and reached the age of sixteen, the teen will be granted a restricted driver’s license. The restricted driver’s license means that he or she cannot drive from midnight until 6 a.m. and that, for the first six months, he or she may not transport any more than one passenger under the age of nineteen. Restrictions regarding passengers can be lifted when the teen reaches the age of sixteen and a half, to the date, and driving can happen at any time once the teen is seventeen years of age.

If your teen follows all of these rules and is not involved in any car accidents or charged with speeding tickets or moving violations, you will see your auto insurance premium start to go down gradually. You can also further reduce it if your teen qualifies for certain discounts. By maintaining at least a “B” grade point average in high school studies, teenagers can qualify for “good student discounts.” Also note that if a teenager drops out of school, he or she will lose all driving privileges until reaching the age of eighteen. Teens can also qualify for many of the same discounts as adults, such as safety features discounts awarded for factory installed safety features on the vehicle.

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