Cheap Car Insurance for Felons in Nebraska

Figuring out which company quotes the cheapest insurance rates for felons involves a little more work in order to find the lowest price. Every auto insurer uses their own calculation for filing rates in each state, so let’s take a look at the insurance companies with the most affordable rates in Nebraska.

We do need to point out that Nebraska insurance rates are determined by lots of factors that may substantially change the cost of a policy. Turning one year older, having a claim, or getting a ticket for careless driving may cause policy rate changes resulting in some companies being more affordable than before.

Best Cheap Insurance Rates for Felons

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Safeco may offer some of the best car insurance rates in Nebraska at around $804 annually. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska are also some of the lowest-priced Nebraska auto insurance companies.

As illustrated above, if you are a policyholder with Farmers Mutual of Nebraska and switched to The Hartford, you could see a yearly savings of roughly $150. Insureds with Farm Bureau Mutual could save as much as $171 a year, and Nationwide insureds might see rate reductions of $198 a year.

To see how much you can save, click here to start your free quote or visit any of the low-priced companies below.

These policy rates are averages for all types of insureds and vehicles and do not take into consideration a price decrease for felons. So the insurer that fits your age and vehicle best may not even be shown in the list of companies above. That helps illustrate why you need to get rate quotes from many companies using your own individual information.

Performance level and cost of the vehicle you are seeking coverage for is a large consideration that determines the availablility of the lowest-priced car insurance for felons. Vehicles with high performance, poor crash test ratings, or a history of substantial liability claims will cost significantly more to insure than safer models. The next tables showcases coverage premiums for the more afforable automobiles to buy coverage for.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can revise price quotes significantly.

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Price information does not factor in specific location which can raise or lower coverage rates substantially.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Prices do not factor in specific location which can lower or raise premiums substantially.

When shopping for the cheapest auto insurance for felons, one of the many criteria that help determine the amount you pay for auto insurance is your zip code in Nebraska. Areas that are densely populated or have higher claim frequency like Scottsbluff, Gering, and Lexington tend to pay more, whereas areas with less congestion benefit from lower coverage costs.

The illustration below ranks the higher priced cities in Nebraska for felons to purchase a policy in.

Table data uses approximated as the specific garaging location can influence price quotes significantly.

How careless driving impacts insurance rates

The recommended way to receive cheap car insurance for felons in Nebraska is to be a careful driver and avoid accidents and traffic violations. The chart below demonstrates how traffic citations and at-fault fender-benders increase insurance costs for different age groups. The premium estimates are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

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In the previous example, the average cost of a car insurance policy in Nebraska per year with no violations or accidents is $1,447. Get two speeding tickets and the average cost rises to $2,054, an increase of $606 each year. Now get two accidents along with the two speeding tickets and the annual cost of insurance for felons goes up to an average of $4,442. That’s an increase of $2,995, or $250 per month, just for being a less-than-perfect driver!

Buying coverage from the right auto insurance company can be rather challenging considering how many companies sell coverage in Nebraska. The ranking information shown below may help you pick which insurers to look at comparing rates from. The ratings below include insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on Nebraska business will not be included in the list.

Top 10 Large Car Insurance Companies in Nebraska Ranked by Customer Satisfaction

1. USAA – 92%
2. 21st Century – 88%
3. American Family – 88%
4. Nationwide – 88%
5. State Farm – 88%
6. Progressive – 87%
7. Liberty Mutual – 87%
8. AAA Insurance – 87%
9. The Hartford – 87%
10. Farmers Insurance – 87%

Top 10 Large Car Insurance Companies in Nebraska Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Esurance – A+
6. Allstate – A+
7. The Hartford – A+
8. Nationwide – A+
9. Progressive – A+
10. The General – A-

How to find cheap car insurance for felons in Nebraska

The list below details many thrifty suggestions that can help drivers locate cheaper car insurance.

• Drive a car with a high safety rating
• At-fault accidents will increase rates
• Drive safely
• Improve your credit score
• Earn a discount by not filing claims
• Compare rate quotes often

The final tip is remarkably necessary, as was affirmed in the prior article. Auto insurance prices can change in a short period of time, so you should be ready to buy from a new company if a better deal can be had.

Having a favorite company is fine, but it’s not a good idea if it’s costing you a small fortune. Take a couple minutes and shop around to find cheaper car insurance for felons.

Cheap insurance quotes for felons

Thanks to technology, there are a lot of ways to purchase insurance in Nebraska, but the three most common ways are through an independent insurance agent, an exclusive insurance agent such as Allstate or Liberty Mutual, or direct either online or via phone.

Each way has the same basic process, but they differ in how they work.

Independent agents have contracts with many companies and can get rate quotes from every one. They can sell policies from many different companies and can compare multiple rates, which may give you a better chance of saving money. If prices rise, you can get a different policy and you won’t have to switch agencies.

A captive, or exclusive, agent is ‘exlusive’ to one insurance company, two of the more popular are an Allstate or State Farm agent. They are unable to provide prices from multiple companies, so you might not find the best rates.

Buying from a direct company means do not use an independent or exclusive agent and instead buy from a direct company like Progressive. Buying direct may be a decent choice consumers who have fewer assets and have knowledge of the limitations of insurance.

Which way is best to buy cheap car insurance for felons in Nebraska? The majority of people assume that buying from a direct car insurance company yields the cheapest rates since it doesn’t require paying agent commissions, but in reality, that argument does not hold true. A good argument could also be made that an independent agent results in the cheapest rates due to having more companies to select from, but that assumption is also not accurate. For some people, the exclusive agents may have very competitive prices well below independent agents AND direct companies.

Due to the large number of rating factors, really the best method to get the cheapest rates is to do a thorough rate comparison. Money-saving experts recommend you get price quotes from independent, exclusive, and direct to have the best rate selection. For a list of companies with some of the cheapest Nebraska insurance rates, click here to view.