Is a short-term policy right for you? Find out how to get temporary auto insurance in our guide.
If you're looking for some flexibility as far as your auto insurance is concerned, you could be considering a temporary auto insurance policy. But short-term car insurance is hard to come by for multiple reasons.
Many large car insurers will not offer contract terms for periods shorter than six months. Because car insurance is mandated by law in most states, swapping policies often can be risky. You also run the risk of having gaps in your auto insurance record by changing policies often, which can lead to higher premiums in the future.
Thankfully, car insurance contracts typically last for just six months. This quick duration allows insurance companies to frequently “re-rate” — or recalculate — your premiums considering your updated driving profile and demographics.
The six-month mark is also a great chance for you to assess your insurance and considering other car insurance companies. Comparing prices via The Zebra is painless, and there is no penalty for changing insurance companies between policy terms — or even mid-term, as long as you don't let your insurance end.
Car insurance's flexible nature makes it relatively easy to purchase quickly. If you're in need of an insurance policy before you can drive your new car off the lot, trying to find a policy for a longer-term rental or seeking coverage on a car you don't own but drive regularly, consider purchasing a half-year policy and ending the agreement as needed.
See below average car insurance rates in Nebraska, organized by major insurers and major cities. If your premiums exceed the rates below, consider shopping around.
|Insurance Company||Average 6-Month Rate||Average Monthly Rate|
|Nebraska State Average — All Companies||$685||$114|
|Farm Bureau Mutual||$569||$95|
The most budget-friendly option for single-month car insurance in Nebraska is American National, through which you can save $34 per month, compared to the second-cheapest option, General Casualty. In Nebraska, the average per-month price of auto insurance is $114, or $685 over a six-month term.
The place in which you reside can have just as large an effect on your car insurance premiums as your choice of insurance company. Auto insurance companies weigh the number of local insurance claims when pricing policies by ZIP code. Check out insurance prices in the biggest cities in Nebraska and compare them to the amount you’re paying.
|City||Average 6-Month Rate||Average Monthly Rate|
Because so many factors are involved in setting insurance rates, your quotes may not match the totals displayed above. If your current rates don’t align with those listed above, weigh your options. The short-term nature of a car insurance agreement adds to the importance of staying informed and willing to shop.
Find out more about temporary auto insurance or use The Zebra to compare policies for free today.