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Columbus, Nebraska Auto Insurance

Located in the State of Nebraska, Columbus residents are required to carry liability insurance before getting behind the wheel of their car or truck. The coverage is referred to as 25/50/25. This means that in the event of an accident the person at fault must pay $25,000 per person, up to a total of $50,000 per accident. Property damage is also set at $25,000.

Nebraska determines guilt or culpability through a tort system. If the state finds fault, the driver and their insurance company must then pay for all damages. There are several different types of coverage in Columbus, including uninsured/underinsured motorist liability. This vehicle policy covers bodily injury in case you're involved in an accident with an uninsured driver. This kind of vehicle coverage is not required by the state, however depending on how often you drive, you may want to consider this policy.

The reason for this is simple. Accidents happen on crowded streets and roadways, usually at slow speeds and near home or work. Risk for drivers has always been the number of cars on the road, not how fast you travel, although excessive speed can and will get you in trouble with the law. Columbus car insurers also offer comprehensive coverage to protect you against theft, mother nature, and other dangers.

Auto insurance companies take your driving record as well as other factors into consideration before writing a policy, including, where you live and how far you drive on a daily basis. Who drives your auto besides you, and where you park your vehicle overnight. Your age is a very big factor in how much premium you will have to pay. If you're under 25 and happen to be male, you will pay the highest rates. Your credit score also factors in. A good credit rating will lower your rates, while a bad one will cause you to pay more and make it tough to find affordable car insurance.