Lincoln Auto Insurance

Lincoln, Nebraska sits on the banks of Salt Creek and was named for President Abraham Lincoln. Today, more than 241,167 people call Lincoln home. Part of that reason is the low traffic congestion relative to other parts of the country. For example, Omaha is ranked number 47 on the list of urban areas with the worst traffic congestion. Lincoln is not even on that list!

The average Lincoln worker will spend about 17 minutes driving to work each morning. This is a full 9 minutes less than the nation's average. There has, however, been a rise in the rate of fatal car accidents over the past 10 years, as the population and number of cars on the road has increased. Between 2001 and 2003, Lincoln reported 42 car accidents that resulted in death.

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There are 1,311,332 licensed drivers in Nebraska with an average of .8 vehicles registered to each. These drivers will pay about $554 for insurance, which ranks Nebraska 44th on the list of car insurance rates by state. That is not a bad deal, but if that sounds like too much to you, there are some things that you can do to lower that number.

Protect Your Car and Save on Auto Insurance

• Park your car in a parking garage at work and at home. This extra protection goes a long way toward reducing your claims.
• Work closer to home. Or move closer to work! The fewer miles you drive on average every year, the less you will pay for your car insurance.
• Pay your bills on time. Having a good credit rating is just as important to your car insurance premiums as it is to your house payment or APR.

Another way to lower your car insurance rates is to protect your car against theft. Lincoln ranked 285 among urban areas in the US for high car theft rates. The city reported 369 cars stolen in 2004. By protecting your car from break in and theft, you show your auto insurance adjuster that you are a less likely risk for processing a high number of claims.

No matter what you do to lower your car insurance premiums, it is essential that you choose a car insurance provider who has a solid, demonstrated track record. If you cannot trust your auto insurance company to take care of your claims quickly and honestly, then it will not matter how little you pay in car insurance rates.

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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: August 19, 2010