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Cheap Car Insurance in Lincoln, Nebraska

Want to know more about Lincoln and ways to obtain cheap car insurance? Well, home to more than 277,000 people, Lincoln is the capital of Nebraska and its second largest city. Part of the area known as the greater Midwest Silicon Prairie, Lincoln is only an hour’s drive from Nebraska’s largest city, Omaha, via Interstate 80. The University of Nebraska is a large factor in its economy, along with service, manufacturing and high-tech industries.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Lincoln, NE. Shop for your auto insurance today!

Driving Conditions in Lincoln

Compared to average U.S. Cities commute of 25.2 minutes, Lincoln has a shorter commute time at just over 17 minutes, according to Census Bureau data. Current information on accidents, construction and weather-related delays is available by calling 511. Real-time traffic information also can be accessed and smartphone apps can be downloaded for 511.nebraska.gov.

Unique Laws in Lincoln

Drivers in Nebraska must yield to pedestrians at all crosswalks, or any time not doing so would result in an accident. Motorists must move at least one lane away from emergency and road assistance vehicles that are stopped at the side of the road, or slow and prepare to stop if they cannot. Drivers can be ticketed for not following the three-second rule when following another vehicle, and this rule increases in bad weather or when hauling a trailer.

Lincoln Crime Statistics

Lincoln’s population has climbed in the past 20 years, but its crime rates have dropped, according to FBI data. In 2015, the Lincoln metro area had an auto theft rate of 112.49 incidents per 100,000 people, according to data from the National Insurance Crime Bureau. This is a favorable comparison to the U.S. average rate of 220.2 incidents per 100,000 people.

Lincoln Safety Requirements

You can’t be pulled over for violating seat belt laws, but all drivers and passengers are required to wear safety belts and children between 6 and 8 must ride in either a safety or booster seat, according to the Nebraska Department of Roads. Children age 6 and under must be in a safety seat, and drivers who overlook this “primary law” can be pulled over and ticketed. Texting or typing on a mobile device by drivers is banned.

Lincoln Impaired Driving Laws

Drivers with a blood alcohol concentration of .08 percent or higher are charged with driving under the influence, as are commercial drivers with a .04 BAC or minors with a .02 reading. If convicted, first offenders face 10 days in jail, $500 fine and license revocation for 6 months.

Nebraska’s “lookback period,” the time during which other convictions will affect sentencing, is 12 years.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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