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Home » Auto Insurance Quotes Nebraska – O’Neal & Associates Insurance

Auto Insurance Quotes Nebraska – O’Neal & Associates Insurance

Nebraska Car Insurance

Nebraska is truly the heart of America, and because of its geographic location near the center of the country, it sees more than its fair share of interstate traffic. Regardless of where any driver needs to go, however, they will always face potential hazards that could damage their vehicle, harm both them and others, and lead to significant recovery costs. By being able to turn to their auto insurance for assistance, policyholders will not have to bear the ramifications of these accidents without financial aid.

All Nebraska drivers must carry car insurance, but even though coverage is mandatory, it is still customizable to the individual policyholder’s needs. The committed experts at O’Neal & Associates Insurance are here to help all Nebraskans get the benefits they need to always be protected behind the wheel.

Budget Auto Car Insurance in Nebraska

The Importance of Auto Insurance for Nebraskans

Whenever you drive, you could have an accident, and the ramifications could be costly. Not only that, but your car is vulnerable to theft, vandalism, severe weather damage, fires and other damage even when it is parked in your own driveway. Regardless of the cause, the result could still be very expensive. But car insurance will help you not have to bear these costs alone. In case of unexpected, unavoidable vehicle problems, your policy can be instrumental in helping you avoid financial challenges.

Your Coverage Requirements

Under Nebraska law, all drivers are required to carry auto insurance. The state uses an at-fault insurance system, which compels drivers who are at fault for accidents to pay for both their own vehicle damage and the damage caused to others.

There are three mandatory benefits required to be carried on all policies issued to Nebraska drivers

  • Bodily injury (BI) liability coverage: This coverage pays for third-party medical bills sustained in an accident. Coverage also often supplies a death benefit in case of fatal accidents.
  • Property damage liability (PDL) insurance: PDL coverage will pay for damage you cause to others’ property. For example, if you hit their car, coverage can pay for the vehicle’s repairs.
  • Uninsured motorist (UM) bodily injury coverage: This coverage is for your own protection. If another driver who does not have liability insurance damages your vehicle or causes your harm, then this coverage can pay for your own recovery costs.

All policies issued must have at least the following coverage limits:

  • $25,000 BI coverage per person
  • $50,000 BI coverage total per accident
  • $25,000 PD insurance per accident
  • $25,000 UM bodily injury coverage per person
  • $50,000 UM bodily injury coverage per accident

These are just the minimum coverage limits required, and most people carry well over $100,000 in bodily injury coverage. Let us help you settle on higher limits that will give you more security, but remain affordable nonetheless.

Expanding Your Coverage

Car insurance is a lot bigger than just liability and uninsured motorist insurance. Numerous optional benefits can provide you with much more expansive protection when you need it. Consider buying:

  • Collision Insurance: This policy will pay for damage to your own vehicle after a wreck.
  • Comprehensive Insurance: Non-accident hazards might damage your car. This coverage will pay for such losses. Generally, your policy can pay for damage from fire, weather, theft vandalism and related occurrences.
  • Personal Injury Protection (PIP): If you get hurt in a wreck, PIP coverage can help you pay for your own medical bills. Coverage might also cover lost wages, and even death benefits in certain cases. Sometimes, you can extend protection to both yourself and your passengers.

Other coverage might help you pay for roadside assistance, towing, glass insurance and rental car costs. Ask your agent how to add these protective elements to your coverage.

We Insure High-Risk Drivers

If you are at a higher risk of filing claims or being an exceptional cost burden to your insurer, then you might be classified as a high-risk driver. You might receive this designation by:

  • Driving without a valid license
  • Driving without insurance
  • Committing multiple traffic offenses
  • Causing at-fault wrecks
  • Filing many claims on your auto policy

One of the drawbacks of being classified as high-risk driver is that you might face higher premiums, termination of your coverage or an inability to renew your policy when its term expires. However, because coverage is mandatory, O’Neal & Associates Insurance believes that you shouldn’t have to face a challenge to get your benefits. Our job is to help you get covered, keep your benefits perfect and avoid paying exorbitant prices for your benefits.

Here When You Need Us

Don’t hesitate to get a quote on a personalized auto insurance policy right now! Contact us at 855-218-6308 or request an online quote right now!

Budget Auto Car Insurance in Nebraska