Nebraska has lots of fun and interesting facts related to its history such as, at one time it was called “The Great American Desert” and in 1986 two women ran for governorship of Nebraska for the first time ever. Kool-Aid was invented in this state by Edwin E. Perkins in 1927 and the strobe light was invented here by Dr. Harold Edgerton. Nebraska is the home to the University of Nebraska-Lincoln weight room which covers ¾ of an acre to be the largest in the country but when it comes to auto insurance the law is clear and simple.

Residents of Nebraska are required by law to maintain a specific amount of auto coverage in order to drive a vehicle in this state. The best way to find the company with the most reasonable rates is to get online quotes. This allows you to compare the auto insurance coverage you need to the prices that different companies offer.

You are required by the state to have the following minimum liability insurance coverage:

• $25,000 bodily injury per person per accident
• $50,000 bodily injury per accident
• $25,000 property damage per accident

If you are in an accident the coverage listed above will pay up to these amounts for damage or injuries done to someone else due to your negligence. However, you do have more options. The minimum coverage required will not pay for your personal property or any injuries you and your passengers sustain. That’s why it’s recommended you purchase more than the required amount.

Everyone should consider having comprehensive and collision insurance and you can use the Internet to search the different options available for this type of coverage. The comprehensive will pay for damages to your vehicle caused by theft, hail, high wind and fire. These are all things that are beyond your control. Collision will pay for your vehicle in the event you are in a crash with another vehicle or an object.

Reasons to purchase extra auto insurance coverage:

• The minimum coverage may not be enough to pay for all the damage done or medical expenses.
• You may be personally responsible for bills caused by your negligence that minimum coverage will not pay for.
• Minimum coverage will not pay any of your medical bills or for any of your passengers.
• Minimum coverage will not pay to fix or replace your vehicle.

Having extra coverage does not have to break your budget. There are ways to keep your cost down while having the car insurance you need and want. For instance, drive safely and obey traffic laws. Many companies offer discounts for good drivers. Paying your premiums on time and setting the deductibles as high as possible will help to lower your rates as well. You can also take the time to shop for quotes online to find the automobile insurance company that offers the coverage you need.

Even if you already have auto insurance you can use online quotes to determine if you are paying too much for the coverage you have. Inquire about discounts and special promotions when getting quotes from different companies to find even more savings.

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