Is my credit score a factor when obtaining car insurance in Nebraska?
It is. That’s good news if you have a good credit score, but it works against you if your score isn’t too hot. Carriers calculate your “insurance score” to figure out how much to charge you for your premium (or even if they want to offer you coverage at all). The insurance score takes a lot of personal factors into account, and your credit score is a significant one.
Does Nebraska offer a good-driver discount?
Car insurance companies love good drivers! Most seek to win them over as customers and to incentivize safe, claim-free driving by offering premium discounts to people who don’t get any tickets for moving violations or get into any accidents for a certain period of time (often, for at least 3 years). Other fairly standard discounts include:
- Full Pay
- Multiple Car
- Multiple Policy
- Good Student
- Resident Student
- Accident Free
- Vehicle Safety
- Anti-Lock Brake
- Anti-Theft Device
- Home Ownership
- New Car
- Passive Restraint
- Utility Discount
Does Nebraska allow the use of digital insurance cards?
Yes, it does. Get an official electronic insurance card from your carrier, and you can show it on your smartphone, tablet, laptop, or other mobile device. Consider keeping the original printed card in your vehicle anyway, just in case you experience technical difficulties when you need to produce proof of coverage.
What happens if my coverage lapses?
It’s illegal to drive—or even to have a registered vehicle—with lapsed coverage. If you’re involved in a traffic stop or accident with lapsed coverage, your license will be suspended on the spot, and the attending law enforcement officer may confiscate your license plate. You have a 10-day period in which to show proof of coverage or financial responsibility; if you do, your citation and suspension will be overturned. Otherwise, they stand until you can show proof of coverage and pay a few fees for license reinstatement and registration renewal.
What are Nebraska's blood alcohol concentration (BAC) percentage limits under the state's driving under the influence (DUI) laws?
It’s against the law to operate a motor vehicle in Nebraska at the following BAC percentages:entages:
.08%+ at 21 years old or older
.04%+ for commercial vehicle drivers
.02%+ at under 21 years old
Per Nebraska’s DUI laws, you can be convicted even without a BAC reading, based on the testimony of the arresting law enforcement officer.
What are the chemical test refusal penalties in Nebraska?
Nebraska has an implied consent law saying that all licensed drivers must submit to a breath, blood, or urine test at the request of a police officer who suspects drug- or alcohol-related impairment while operating a motor vehicle. Refusing to submit to such a test will result in suspension of your driver’s license for 90 days.
What are the consequences of being convicted of a DUI?
DUI penalties in Nebraska depend on a number of factors, including the number of previous DUI convictions and aggravating circumstances like whether an accident or death was caused by the impaired driving, or if the BAC was over 0.15% at the time of arrest.
Even first-time offenders without aggravating factors face 7 to 60 days in jail, up to $500 in fines (as well as other fees), installation of an ignition interlock device, and a suspended license.
Does Nebraska offer driver improvement courses to reduce my insurance premium?
The State offers driver education and improvement courses, but it’s up to your carrier whether they offer discounts for voluntarily completing one. Most do, so ask your representative if this is something that’s available to you. If so, choose one of the courses certified by the Nebraska DMV courses certified by the Nebraska DMV.
Is there any way I can reduce the cost of my Nebraska car insurance?
The number one way to limit what you pay for car insurance is to compare quotes from leading carriers when shopping for a new policy. Beyond that, be careful with your credit score and driving record, as both can have a significant effect on your premium. Ask about possible discounts, too, like those mentioned throughout this page, and trade off for a lower premium by taking a higher deductible.