Nebraska Auto Insurance

Nebraska Auto Insurance questions and answers

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Q: Best auto insurance for the nebraska area?
Just looking for the cheapest auto insurance quote, any ideas who i should try?

A: I suggest you visit a nearby auto insurance agent to help. Since I live in New York I can't recommend an agent in Nebraska, but here is an online resource that can help you. http://www.usinsuranceadvisor.com/Auto-Insurance.html Good Luck!

Q: Do all states now allow auto insurance companies to check your credit?
A few years ago when I lived in Oregon Auto insurers could (and did) check your credit but Washington law didn't allow it- you could get car insurance without giving out your social security number. I am in Nebraska and need to know- do I have to give out my SSN to insurers?

A: There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued. Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement. A lot of these reports might get a BETTER finding with your SSN BUT we CAN get this info WITHOUT your SSN. The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies. An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can. In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators! Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem! Good luck, drive RESPONSIBLY and I hope this helps!

Q: I want to open my own auto body shop. What sort of legal, insurance issues do I need to be concerned with?
I live in Nebraska. I'm just trying to eliminate any type of unnecessary cost and footwork.

A: First you would want to check with your local government in regards to what type of permits you should obtain, depending on the services you provide. You are going to have to obtain the proper permits for your business before you can officially open. Also, you'd have to have a really air tight liability insurance policy. That's to cover any potential damages that can occure in your shop. It's always good to have a fire policy as well, just in case. It's also a good idea to meet with different insurance companies to try to have those companies add you to their referal list of body shops. (For clients who have been in wrecks.) That way you can have a steady stream of clientele. These are the most important steps. If you follow this routine, you would avoid unnecessary cost in regards to getting started. I hope this helps.

Q: How does a non-profit sell insurance?
I am helping to build a local church and we'd like to offer auto insurance (and other types later). I think we need to find a broker but I'm not really sure. We're based in Nebraska. Thanks! I'm a little confused by these answers. USAA was started by four army officers and knights of columbus and some lutheren group started reletivly small.

A: you have to have a LICENSE to sell insurance, even if you're acting as a broker or middleman. THEN, you need to find either a broker, or an insurance company willing to let you sell their insurance. Most brokers are NOT going to split the commisison with you, and I don't know of ANY carriers that will give you an appointment with no experience. Maybe you need to look at WHY you want to offer auto insurance, and see if there are other ways to accomplish the main goal. Commissions are only about 10%, so it's NOT a huge moneymaker. I don't think the non-profit status is relevant - the CHURCH can't get a license to sell insurance, but you'll have to consult your attorney for further clarification.