Best Cheap Insurance Quotes for 4×4 Vehicles in Nebraska

For Nebraska drivers, one of the considerations that is used by insurance companies to determine the price of your policy is where your home is located in Nebraska. Cities with larger populations or higher claims like Gering, Lexington, and Alliance are more likely to pay higher prices, whereas areas that tend to be more rural get the luxury of paying less.

The table below lists the highest-priced areas in Nebraska for 4×4 vehicles in which to purchase auto insurance.

Rate quotes are estimated as the specific geographic location can modify prices significantly.

Deciphering which companies have the lowest-priced auto insurance rates for 4×4 vehicles may require a little more sweat in order to find the best price. Each insurer has a different formula for setting rates, so we’ll take a look at the lowest cost auto insurance companies in Nebraska.

Best Auto Insurance Prices for 4×4’s

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Safeco normally has some of the cheapest car insurance rates in Nebraska at around $788 a year. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also are some of the more affordable Nebraska car insurance companies.

As shown in the table above, if you currently buy coverage from The Hartford and switched to Safeco, you might see a yearly price reduction of approxmiately $59. Drivers with Auto-Owners might save as much as $108 a year, and Allied customers might cut rates by $133 a year.

Understand that those premium estimates are averaged for all types of drivers and the different vehicles they drive and and are not calculated with a rate discount for 4×4 vehicles. So the auto insurance company that is most affordable for your situation may not even be shown in the rate chart shown above. That affirms the importance of why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

Impact of violations and accidents on rates

In a perfect world, the best way to maintain the best cheap insurance for 4×4 vehicles in Nebraska is to drive safely and avoid traffic citations and accidents. The chart below highlights how speeding tickets and accident claims increase insurance premiums for different insured age categories. The rates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

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The data in the chart shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,302. Add in one speeding ticket and the average cost surges to $1,477, an increase of $175 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of auto insurance for 4×4 vehicles increases to an average of $3,068. That’s an increase of $1,766, or $147 per month, just for not paying attention while driving!

Geico, Allstate, Progressive, or State Farm: Who is cheapest?

When comparing rates for auto insurance, the first places to look would be Geico, Allstate, Progressive, and State Farm. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a distinct set of features and optional coverages that you can select from. The next table ranks some of the different options offered by each company.