Liability Coverage
May help pay for covered injuries or property damage you’re legally responsible for causing to other people.
AUTO INSURANCE
Auto Insurance in Lincoln, Nebraska
Whether you’re commuting through Lincoln, driving across Nebraska, or adding another vehicle to your household, our team can help you understand your auto insurance options and choose coverage suited to your needs.
What Does Auto Insurance Cover?
Auto insurance can help protect you financially after certain accidents, vehicle damage, and other covered events. The protection available depends on your policy, coverage selections, limits, deductibles, and exclusions.
Collision Coverage
May help pay to repair or replace your insured vehicle after a covered collision, subject to your deductible and policy terms.
Comprehensive Coverage
May help cover certain non-collision losses, such as theft, hail, vandalism, or falling objects, subject to the policy.
Uninsured & Underinsured Motorists
May help protect insured individuals against eligible bodily injury losses involving drivers who have no insurance or insufficient liability insurance.
Medical Payments Coverage
May help pay certain eligible medical expenses for insured individuals after an accident, regardless of fault, subject to coverage terms.
Additional Auto Protections
Depending on availability and eligibility, optional protections may include rental reimbursement, roadside assistance, or other endorsements.
Understanding Nebraska Auto Insurance Requirements
Nebraska requires qualifying drivers and vehicles to meet financial responsibility requirements. Understanding the state’s minimum insurance limits is an important starting point when reviewing your auto policy.
Bodily Injury Liability Per Person
At least $25,000 for bodily injury or death of one person in an accident.
Bodily Injury Liability Per Accident
At least $50,000 for bodily injury or death of two or more people in one accident, subject to the per-person limit.
Property Damage Liability Per Accident
At least $25,000 for injury to or destruction of another person’s property in one accident.
Coverage Decisions Worth Understanding
Your vehicle, household, budget, and policy terms all matter when reviewing auto insurance. These topics can help you understand common coverage choices.
Liability Insurance vs. Full Coverage
Learn why liability insurance and the commonly used term ‘full coverage’ can describe very different protection for your vehicle and other drivers.
Choosing Your Auto Insurance Deductible
Understand how comprehensive and collision deductibles can affect out-of-pocket costs and insurance premiums.
How Much Auto Insurance Does Nebraska Require?
Review Nebraska’s minimum liability requirements and why drivers sometimes consider limits above the legal minimum.
Helping You Find Auto Insurance That Fits
Step 1 — Tell Us About Your Vehicles
We’ll gather information about your vehicles, drivers, and insurance needs.
Step 2 — Review Your Coverage Options
We’ll explain available coverage limits, deductibles, and policy features so you can understand your choices.
Step 3 — Decide How to Move Forward
You can compare the available options and decide which coverage setup makes sense for your household.
Looking to Combine Home and Auto Insurance?
Having your home and auto insurance with the same company may offer convenience and potential discounts when available. Eligibility and savings depend on the insurer, policies, and household.
Frequently Asked Questions About Auto Insurance
Collision and comprehensive coverage are generally optional under state financial responsibility requirements, but lenders and leasing companies often require them. Their value depends on your vehicle, financing or lease agreement, and financial circumstances.
Comprehensive coverage commonly includes certain hail damage to an insured vehicle, subject to applicable deductibles, exclusions, and policy conditions. Liability-only coverage generally does not pay for hail damage to your own car.
Yes. You can request a quote and review the available coverage and pricing before deciding whether to change your insurance.
Yes. Our team can help explain your existing coverage, limits, deductibles, and areas worth comparing.
Local Auto Insurance Guidance From a Team You Can Reach
T-Rex Agency, led by Farmers Insurance agent Rex Viola, helps drivers in Lincoln, Nebraska, and surrounding communities understand their auto insurance options. Whether you’re insuring a new vehicle or reviewing an existing policy, our team can help explain the choices available.
Lincoln office: 7160 S 29th St #6, Lincoln, NE 68516
Ready to Review Your Auto Insurance?
Whether you’re insuring a new vehicle, comparing coverage, or reviewing your current policy, our Lincoln insurance team can help you explore your options.