For law enforcement personnel, one of the big factors that determine the amount you pay for auto insurance is your zip code in Lincoln. Cities with larger populations or higher claim trends tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.
The next table rates the priciest cities in Nebraska for police officers in which to buy car insurance. Lincoln is ranked #24 with a yearly cost of $1,106 for the average policy, which is approximately $92 monthly.
|6||South Sioux City||$1,251|
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Table data uses comparative as the vehicle garaging location can lower or raise premiums considerably.
Buying low-cost insurance is hard enough, and deciding which company has the lowest-priced insurance rates for police officers will involve even more work. Every insurance company uses a different method to determine rates, so let’s begin by examining the insurance companies with the overall cheapest rates in Nebraska.
It’s important that you understand Nebraska insurance rates are determined by lots of factors that control the policy premium. This price variability is why Lincoln drivers need to shop around with many companies when trying to get the lowest car insurance rates for police officers. Prices are impacted by many different factors and can change without notice, so the best company six months ago may now cost much more than other companies.
Cheapest Insurance Rates for Law Enforcement
|Rank||Company||Cost Per Year|
|6||Farm Bureau Mutual||$1,010|
|7||Farmers Mutual of Nebraska||$1,019|
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Safeco normally has some of the most affordable car insurance rates in Lincoln at around $788 a year. The Hartford, Auto-Owners, Allied, and Nationwide also make the cut as some of the best Lincoln, NE car insurance companies.
As shown in the table above, if you currently have coverage with The Hartford and switched to Safeco, you may realize a yearly savings of roughly $77. Insureds with Auto-Owners might save as much as $135 a year, and Allied insureds might reduce rates by $151 a year.
To get a quick, customized rate comparison, click here to start your free quote or click several companies below for low rates.
These policy rates are averages for all insureds and vehicles and do not factor in a specific location for police officers. So the insurer that has the lowest price for you may not even be in the top 24 companies in the list above. That is why you need to compare prices as often as possible using your own driver and vehicle profiles.
The make and model of vehicle that needs insurance is one of the main factors when comparison shopping for the best insurance for police officers. Vehicles with more horsepower, poor safety ratings, or an increased likelihood of liability claims will cost much more to insure than more economical and safe models. The next list estimates insurance premiums for a number of the most cost-effective vehicles to insure in Nebraska.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$866|
|Ford Explorer XLT AWD||$884|
|Ford Escape XLS 4WD||$888|
|Honda Accord EX 4-Dr Sedan||$898|
|Honda CR-V LX 2WD||$888|
|Toyota Tacoma Double Cab 4WD||$934|
|Dodge Grand Caravan Crew||$950|
|Volkswagen Jetta S 2.5 Station Wagon||$962|
|Ford F-150 XLT Crew Cab 2WD||$964|
|Ford Edge Sport 2WD||$984|
|Ford Focus S 4-Dr Sedan||$1,000|
|Toyota Camry LE||$1,020|
|Toyota RAV4 Sport 4WD||$1,029|
|Chevrolet Impala LS||$1,028|
|Honda Civic DX 4-Dr Sedan||$1,033|
|Honda Odyssey EX W/Rear Entertainment||$1,028|
|Hyundai Sonata SE 4-Dr Sedan||$1,050|
|GMC Sierra SLE Crew Cab 2WD||$1,052|
|Hyundai Elantra Blue 4-Dr Sedan||$1,056|
|Kia Optima EX||$1,066|
|Ford Fusion Sport AWD 4-Dr Sedan||$1,068|
|Chevrolet Malibu LT||$1,076|
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium costs do not factor in specific zip code location which can raise or lower coverage prices substantially.
By looking at the data, you can see that cars like the Jeep Wrangler, Ford Explorer, Ford Escape, and Honda Accord are some of the most economical vehicles to insure for law enforcement personnel.
The information below demonstrates how deductibles can change insurance costs when searching for cheap insurance for police officers. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
In the chart above, a 50-year-old driver could save $246 a year by switching from a $100 deductible up to a $500 deductible, or save $370 by using a $1,000 deductible. Younger drivers, like the age 20 example, have the ability to save $606 or even more by choosing larger deductibles on their policy. If you do raise deductibles, it is essential to have enough savings to allow you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Cost difference between full coverage and liability
Lowering the price of insurance is important to most people, and an effective way to find cheap insurance for police officers is to buy only liability coverage. The information below illustrates the comparison of yearly insurance costs when comparing full coverage to liability only. The rates are based on no violations or accidents, $1,000 deductibles, marital status is single, and no discounts are factored in.
If the expense is averaged for all age categories, comprehensive and collision coverage on your policy costs an extra $1,704 per year more than carrying just liability coverage. At some point, every insured wonders if buying full coverage is worth the money. There is no exact rule that is best for determining when to drop full coverage, but there is a general convention. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s say your vehicle’s replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after paying your policy deductible. If you are paying in excess of $300 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
Lincoln insurance companies ranked
Buying coverage from a highly-rated car insurance provider can be a challenge considering how many different insurance companies sell coverage in Lincoln. The company information below could help you choose which car insurance providers to look at buying from.
These rankings are only made up of companies that write coverage in many states, so companies that only write business in Nebraska or surrounding areas are not factored into the list. If you would like to check rates from these and other top-rated companies, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
You are probably paying too much for car insurance
Nebraska insurance rates are calculated based on many things that can increase the price of coverage. Improving your credit rating, buying a new vehicle, or getting a DUI may prompt premium changes resulting in some companies being more affordable than the competition. In addition, insurance companies modify pricing at least once a year in order to remain profitable. Unexpectedly high claims can cause higher prices, while a better claims history can produce lower-cost Lincoln car insurance rates.
To illustrate this point, the data below shows which company has the cheapest car insurance in Lincoln, NE for a 40-year-old male driver with no accidents or violations, and great credit. If we compare prices based on his personal risk profile, Safeco may have the best car insurance rates in Lincoln at $812 a year. This is $504 less than the average premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska are the rest of the cheapest Lincoln, NE auto insurance companies.
Let’s now give the driver in the first chart some claims, a little lower credit rating, and a traffic ticket or two. Since each auto insurance company uses their own method to set policy rates, analyzing rates will most likely result in a substantially altered list of the cheapest Lincoln car insurance companies as shown below.
Farm Bureau Mutual now has the cheapest rate in Lincoln, NE with American National, State Farm, General Casualty, and USAA now rounding out the top five. This example demonstrates why it is crucial to do a thorough rate comparison to find the most affordable insurance quotes for police officers. Car insurance prices are impacted by many different factors and can increase or decrease at any time, so the lowest-price company when you bought your policy may now be priced much higher than other options.
If you wish to get help from a professional when trying to find the best insurance rates for law enforcement personnel, the insurance agencies listed below are willing to help you make a decision which coverages are best.
To find an auto insurance agency close to you, click the link after the list.
Copple Insurance Agency, Inc.
1640 L St – Lincoln, NE 68508 – (402) 475-3213
Karen Williams – State Farm Insurance Agent
233 N 48th St o – Lincoln, NE 68504 – (402) 434-6050
Chuck Clifford III – State Farm Insurance Agent
2710 S 70th St #103 – Lincoln, NE 68506 – (402) 483-6955
3325 A St – Lincoln, NE 68510 – (402) 434-0480
Allstate Insurance: Darryl Moore
7111 A St #103 – Lincoln, NE 68510 – (402) 413-7111