Auto Insurance
Protection For Your Vehicles
About Car Insurance
An auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event.
A car insurance policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving the vehicle. In addition to cars, there are policies designed for motorcycles, classic cars, motor homes, boats, Jet Skis and ATVs.
Bundle your auto and home insurance at Jeff Munns Agency, Inc.!
How Much Auto Insurance Do You Need?
Auto insurance requirements vary by state. In most states, to drive you must carry:
Liability Coverage
Pays for losses you cause others
No-Fault Coverage
Pays you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault.
Both Liability And No-Fault Coverage
Pays for everything involved in the accident.
Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. We write insurance in Nebraska, Kansas, Iowa, South Dakota, Missouri, Minnesota, Tennessee, Colorado, Arizona, Texas, and Wisconsin.
Financing A Car?
To finance a car, it is usually necessary to have insurance that covers damage to your vehicle. This includes:
Collision Insurance
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car.
Collision coverage usually includes an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive Insurance (Other Than Collision)
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance.
Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.
What People Are Saying
FAQ
What does auto insurance cover in Nebraska?
Auto insurance in Nebraska may cover liability for losses you cause others, collision damage to your vehicle, and comprehensive coverage for non-collision events like theft, fire, or vandalism, depending on the coverage you purchase. Nebraska requires drivers to carry liability coverage minimums.
Do I need collision and comprehensive coverage if I'm financing a car?
Yes. Most lenders require both collision and comprehensive coverage when financing a vehicle. Collision pays for accident damage up to actual cash value, while comprehensive covers theft, floods, fire, and other non-collision events.
What's the difference between collision and comprehensive car insurance?
Collision insurance covers damage for accidents with another vehicle or object. Comprehensive covers damage theft, weather events, vandalism, and fire. Either a covered Comp or collision loss will require a deductible that you would pay before any insurance coverage would apply.
How does a deductible affect my car insurance premium?
A higher deductible lowers your monthly premium because you agree to pay more out of pocket before coverage applies. A lower deductible means higher premiums but less out of pocket cost at the time of a claim.
Can I bundle auto and home insurance for a discount in Lincoln, NE?
Yes. Jeff Munns Agency offers bundled auto and home insurance options that can result in multi-policy savings. As an independent agency, they compare rates across multiple carriers to find the best combination of price and coverage.
What states does Jeff Munns Agency write auto insurance in?
Jeff Munns Agency writes auto insurance in Nebraska, Kansas, Iowa, South Dakota, Missouri, Minnesota, Tennessee, Colorado, Arizona, Texas, and Wisconsin.
What types of vehicles can be insured beyond standard cars and trucks?
Beyond cars and trucks, Jeff Munns Agency offers policies for motorcycles, classic cars, RVs and motorhomes, boats and watercraft, and ATVs and motorsport vehicles.
Informational statements regarding insurance coverage are for general description purposes only. Read our disclaimer.
Need More Information?
Get your questions answered by a real, live agent.