Cheap Car Insurance for State Employees in Nebraska

Our editors always tell us that when writing about auto insurance, the word cheap should not be used anywhere to describe car insurance prices. It’s a simple fact that cheap auto insurance for state employees is not easy to find. Don’t get your dauber down, because we will show you how you can quote and buy car insurance that you are able to afford.

The type of vehicle needing coverage is probably the largest consideration that determines the availablility of cheap car insurance for state employees in Nebraska. Vehicles with lower acceleration and performance, a great safety record, or a low likelihood of having liability claims will cost much less to insure than adrenaline junky models. The data below showcases car insurance prices for a selection of the more afforable vehicles to insure in Nebraska.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price information does not factor in vehicle garaging location which can impact premiums greatly.

Based upon these rates, you can figure that makes and models like the Honda CR-V, Ford Escape, Ford F-150, Subaru Forester, and Toyota Prius are a few of the most economical vehicles to insure for state workers.

Determining which companies offer the cheapest auto insurance rates for state employees calls for a little more work in order to find the best price. Each company uses their own formula for establishing rates, so let’s take a look at the auto insurance companies that tend to be cheaper in Nebraska.

Cheapest Insurance Rates in Nebraska

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

As shown in the table above, if you currently buy coverage from Allied and switched to The Hartford, you may see savings of in the neighborhood of $74. Customers with Farmers Mutual of Nebraska could save as much as $114 a year, and Farm Bureau Mutual customers might realize rate reductions of up to $125 a year.

Be aware that those rates are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a price discount for state employees. So the auto insurance company that can offer you the best price may not even be shown in the above rate chart. That points out the importance of why you need to get quotes using your own driver and vehicle profiles.

For state workers, one of the big criteria that auto insurance companies use to calculate the amount you pay for auto insurance is where you live. Cities that have higher claim levels or more people like McCook, Gering, and South Sioux City tend to pay slightly more, whereas less populated areas benefit from lower rates.

The next table sorts the higher priced cities in Nebraska for state employees to buy an auto insurance policy in.

Premium costs are comparative as specific Nebraska zip code can influence premiums greatly.

Buying coverage from a high-quality auto insurance provider can be rather challenging considering how many companies sell coverage in Nebraska. The rank data listed below can help you select which auto insurance companies you want to consider purchasing a policy from.

These rankings only include companies with a nationwide focus, so companies that may only write in Nebraska are not factored into the list. If you’d like to compare prices from these and other top-rated companies, follow this link.

Top 10 Large Auto 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 Auto Insurance Companies in Nebraska Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. Safeco Insurance
8. GEICO
9. The General
10. Esurance

Discounts on cheap car insurance for state employees in Nebraska

Insurance companies that offer coverage for state employees may also give you policy discounts that could lower prices by as much as 25% or more if you qualify. A list of auto insurance companies and their offered discounts are:

• Progressive offers premium reductions for multi-policy, continuous coverage, online quote discount, good student, and online signing.
• GEICO offers discounts for air bags, multi-policy, seat belt use, multi-vehicle, driver training, and military active duty.
• State Farm has savings for anti-theft, accident-free, Drive Safe & Save, good driver, student away at school, and multiple policy.
• Esurance may have discounts that include online shopper, homeowner, renters, paid-in-full, multi-car, and claim free.
• The Hartford offers discounts including anti-theft, driver training, good student, vehicle fuel type, air bag, bundle, and defensive driver.

The illustration below compares insurance prices with and without discounts being applied to the rates. The premiums are based on a female driver, no claims, a clean driving record, Nebraska state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, defensive driving course, claim-free, passive restraint, safe-driver, and vehicle safety discounts applied. With discounts applied, the the amount saved on auto insurance for state employees is 28% or $413.

How to find budget-friendly insurance for state employees

The list below shows a few penny-pinching suggestions that can help you find cheaper auto insurance.

• Do not file small claims
• Buy your homeowners policy from the same company as your auto insurance
• Drop full coverage on older vehicles
• Higher deductibles mean lower rates
• Vehicles with safetly features generally cost less to insure
• Improve your credit score
• Compare rate quotes often

The final tip is extremely necessary, as was affirmed in the prior information. Prices vary considerably, so you should be ready to switch carriers if a lower price can be found. We understand brand loyalty, but we do not recommend it if that dedication is costing hundreds of dollars year after year. It takes less than five minutes to compare prices to find cheaper insurance for state employees.