Why should I carry collision and comprehensive auto insurance

The state of Nebraska requires drivers to carry basic liability insurance. They mandate that you have $25,000 in personal injury or death for each person in an accident with a total of $50,000 per accident. Additionally, you must have $25,000 for damage to personal property. This is a fundamental amount of coverage. If you lease a vehicle or have an auto loan, your lender or lessor will require that you have additional coverage to protect the car that they have a vested interest in. When it comes to covering your vehicle, it is good to have an agent to discuss what is important to you. The Richards Insurance Agency in Lincoln, NE will be here for you when you are ready to discuss what coverage you want and need.

As to why you should carry collision and comprehensive auto insurance, it covers your vehicle in the event it is damaged or stolen. If your car has significant value or is valuable enough that it would be hard for you to replace it out of your own pocket, having this kind of coverage makes all the difference. Most people count on their vehicles to do pretty much everything. Unless you live downtown in a city, it can be challenging to get to work, go shopping, and to do all the things one normally does every day. The cost of auto repairs can be quite prohibitive, and have the cash or credit available can be difficult. 

If your vehicle is damaged, you will be provided with a rental car until the repairs have been completed. This can make going about the business of daily life much more comfortable and convenient—another good reason to carry collision and comprehensive coverage. 

If you would like to discuss your auto coverage, The Richards Insurance Agency in Lincoln, NE is looking forward to helping you. Call our office or stop by and we will provide a no-obligation quote. 

How to Save on Your Auto Insurance in Nebraska

Do you want to know how you can save money on auto insurance in Lincoln, NE? There are many tricks and tips for you to do just that. A reputable insurance company like Richards Insurance Agency can help you understand how it all works.

Give Complete Information

When you fill out an online form or call to get a quote, make sure you’re giving all the information needed and that it is correct. Your premium quote will reflect the details you provide so you don’t want to do it halfway.

Establish Solid Credit History

Insurance agencies often use credit information in order to determine the price of an auto insurance policy. Since research tends to show that individuals who manage their credit well have fewer claims, do your best to have a good credit rating. It’s in your best interest to check your record often. If you see any errors, correct them right away.

Ask About Discounts

Though not every company offers insurance discounts and not at all times, it’s a good idea to check anyway. You may find that the agency has discounts for a good student driver under the age of 25 if there are two or more drivers on the policy, and if you have home insurance or some other type of insurance bundled together with your auto insurance.

Keep Your Driving Record Clean

Many companies charge lower insurance rates to people who are considered safe drivers, that is they have no violations or at-fault accidents. There are different guidelines within each insurance agency to determine the price in this instance.

If you’re hesitant to ask these questions and want to find out if you qualify for a lower insurance rate, contact Richards Insurance Agency today. An agent can discuss if you’re eligible for a lower rate based on certain circumstances for your Lincoln, NE insurance.