Independent Agents
- These agents represent multiple insurance companies and can give you several quotes to find the coverage that suits your needs.
Exclusive Agents
- Agents that only sell the products of one insurance company.
Direct Market
- Sales are done over the internet or by mail or telephone
Questions to Ask
- Here are examples of questions to ask your agent when shopping for your auto policy:
- What limits are available?
- What coverage does my state or lender require?
- Should I buy comprehensive and/or collision coverage?
- What does my policy NOT cover?
- How will my driving record affect my premium?
- If I am in an accident, how will it affect my insurance?
- If I have an accident, can I use my own repair shop?
Helpful Tips
Pay the premium on time
Some insurers do not accept late payments. If a company accepts a late payment, it may result in an increase of your premium at the time of renewal
Understand payment options
Your full premium is usually due every six months. However, many companies do allow monthly payments for an extra fee. Some insurers may offer a discount for paying your premium annually
Organize Paperwork
Keep a file of all insurance documents including policies, renewals, payment receipts, and claim records
Maintain Vehicle
You are responsible for keeping your car in good working condition through maintenance and necessary repairs
Carry Proof of Insurance
While not required in Nebraska, it's important to keep physical proof of insurance in vehicle in case of an accident or for verification
