Lincoln Car Insurance
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Motoring Around Lincoln
Lincoln is the capital city of Nebraska and the namesake of President Abraham Lincoln. It is the second-largest city with nearly 293,000 locals. There are many things to do here as it is the seat of the state government. You can visit the state capitol building which is one of the tallest in the nation. Besides state and local government, Lincoln is home to Nebraska's largest institution of higher learning, the University of Nebraska.
Lincoln is also known for its growing tech sector, making it a part of the greater œMidwest Silicon Prairie. Tech companies such as Hudl, Americom and Applied Systems all have major operations here. Whether you're working in government, tech or education, getting around town is important. Lincoln's public transit system StarTran offers fixed-route bus service and paratransit. With over 361,000 residents in the greater metropolitan area, you can be sure there are several cars on the roads. Having Lincoln car insurance covers you if you're ever in a collision here.
Being Aware
According to the City of Lincoln's crash data analysis, there was a collision in Lincoln almost every hour over the past five years. Of those crashes, approximately 20% resulted in an injury of some sort. In that same time period, the financial impact of collisions in Lincoln totaled nearly $1.47 billion! In urban areas, where there are many drivers and higher population densities, the risk of collisions increases substantially. Auto accidents usually result in property damage and bodily injury that could wipe you out financially.
Knowing the Law
As a Lincolnite, you're required to meet these minimum coverage limits :
- Bodily injury coverage:$25,000 for one person per accident and $50,000 for all injuries per accident
- Property damage:$25,000 for damage to other people's property
- Uninsured/underinsured motorist:The same coverage limits as bodily injury coverage for a collision involving an at-fault driver who has no insurance or low coverage limits
Please be aware that the typical collision can have bodily injury and property damage costs that exceed these levels, especially if several cars or passengers are involved. A better auto coverage plan should also include these benefits:
- Collision:Covers damage to your vehicle, even if you're at fault
- Comprehensive:Insures against vehicular losses related to theft, vandalism and other perils stated in your policy
- Medical payments:Handles medical bills for you and other passengers
- Personal injury protection:Can cover lost income should you be unable to work temporarily after an accident
Knowing the right coverage limits for your driving habits is key. VIU by HUB is here to help you understand what's available and find a better plan by comparing policies and rates.
Adding It Up
Lincolinites pay $2,228 each year for coverage, on average. This exceeds both the state average and the national average of $2,008. The following factors influence what you'll pay for insurance:
- Zip code:Motorists in larger cities usually pay more for coverage.
- Age:Younger drivers are a much higher risk due to their inexperience in the eyes of insurance providers.
- Driving record:Drivers with clean records pay substantially less.
- Gender:Women pay less than men in the same age group.
- Vehicle:Newer vehicles in great condition are less expensive to insure.
Other factors include your credit history and marital status. Married drivers are considered more reliable and usually pay less. VIU by HUB can help you find a plan that accounts for your specific factors, including any available discounts. When you compare rates through VIU by HUB, you can save money on Lincoln car insurance.
This information is intended for general informational purposes only and is not intended to constitute legal advice.