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AUTO INSURANCE

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					           AUTO INSURANCE

A
Rate
Comparison
Guide




                                                   2010 Rates


             NEBRASKA DEPARTMENT OF INSURANCE
     941 O Street, Suite 400      PO Box 82089 Lincoln, Nebraska 68501
        402-471-2201   TDD: 1-800-833-7352       TOLL-FREE: 1-877-564-7323
                               Website: www.doi.ne.gov




                                                                       OUT98111 - Rev. 10/10
                                 Understanding the Rate Guide

In order to give you an idea of how insurance premiums may vary between insurance companies, a table has
been assembled comparing rates of insurance companies writing private passenger automobile insurance in
Nebraska. This guide does not include all insurance companies, but shows the top 14 companies writing
73.96% of the coverage sold in Nebraska.

Rating factors determine what price you will pay for insurance. Characteristics of similarly situated drivers are
evaluated and the drivers are then grouped into classifications. Insurance companies will establish a rate for
each group based on the claims paid for persons in that classification. The higher the losses for a particular
classification, the higher the rate for that class of driver. The following rating factors are considered when
determining the rate you will pay: driving record; age, sex, and marital status; location; and type of auto and
vehicle use.

Keep in mind that many insurance companies offer a number of discounts before determining the final
premium. The type of discount available may differ depending on the individual insurer. A few examples of
possible discounts are: multi-car; combination auto/homeowner coverage; anti-theft devices; safety devices;
senior discounts; and good student discounts.

The best way to keep the cost of insurance down is to drive safely and maintain a good driving record.
Another way to reduce the cost of your insurance is through the proper use of deductibles. Deductibles are
applied to losses to your auto and must be exceeded before the insurance company pays. By using higher
deductibles, your cost of insuring the physical damage to your auto will be reduced. Be sure to examine your
own financial position to determine just how much of a loss you are able to retain. Additionally, as your
vehicle gets older, it may not be cost-effective to insure it for physical damage. Remember that the value of a
vehicle depreciates rapidly, so be sure to compare the cost of insurance in relation to the value of the vehicle.
When shopping for a new vehicle, you may want to contact your agent to see how much the insurance will be
on a particular vehicle. The cost may vary greatly depending on the make and model of the vehicle.

Before you purchase a policy, remember the following: consider the company’s financial strength; never
cancel your old policy until your new policy is effective; and make sure you answer all questions on the
application truthfully, as wrong information could cause an incorrect price quote, denial of coverage, or
cancellation.

Shop and compare prices for insurance. Be sure, however, when making price comparisons that the
coverage being quoted is the same. Remember that a good insurance value includes more than just price.
Your agent and company must provide quality service and the coverage provided must fit your needs.

To assist you in comparing prices, we have selected six drivers who are principal operators (drive the car
more than 50% of the time) for our rating examples: 17-year-old single male; 17-year-old single female;
21-year-old single male; 21-year-old single female; 44-year-old married female; and 65-year-old married
male. The car selected was a 2009 Toyota Camry LE, 4-door. When using this guide, select the driver
nearest to your description. Select the location in that you live, or if you live in a rural area, use the location
nearest to you.

The premiums shown in this guide are the costs for a six-month policy and will not be the exact amount you
will be quoted when purchasing your auto insurance policy. The premiums will vary depending on the rating
factors and discounts applicable to your personal situation. The guide is meant only to provide a useful way
to compare the range of premiums offered. Because this guide only includes the top 14 private
passenger automobile insurance companies as established by market share, inclusion of a company
is not an endorsement of a company nor is the omission of a company an adverse reflection on a
company.

The rates in this guide are subject to change without notice. You should contact your agent or company
for a specific quote. Questions you might consider asking are:

                             Am I in your lowest-priced company? If not, why?
                             How can I get a better rate?
                             Do I qualify for any discounts offered by the company?
                             Are any discounts included in the rate quoted?
                             What payment plans do you offer?
                                                      What We Are Driving
                                                             And
                                                       Coverage Limits
      2009 Toyota Camry LE           4 Door



                                          Liability Limits Of:

              ♦$100,000/$300,000                                Bodily Injury
              ♦$100,000                                         Property Damage
              ♦$5,000                                           Medical Coverage
              ♦$100,000/$300,000                                Underinsured Motorist
              ♦$100,000/$300,000                                Uninsured Motorist
              ♦$250                                             Collision Deductible
              ♦$100                                             Comprehensive Deductible




Bodily Injury/Property Damage: These coverages protect you if you injure someone else’s property
while operating your automobile. You must be legally liable for the injuries or damages to activate these
coverages.

Uninsured/Underinsured: This protects the named insured, the named insured’s resident relatives and
occupants in the insured vehicle if they sustain bodily injury in an accident in which the owner or operator
of another motor vehicle is legally liable and does not have insurance (uninsured) or does not have
enough insurance (underinsured).

Medical Payments: This will pay for reasonable and necessary medical expenses, without regard to
legal liability, resulting from accidental bodily injury while operating or occupying an insured vehicle or
being struck as a pedestrian by a motor vehicle. “MedPay” is often purchased in nominal amounts, such
as $1,000 or more, to provide a means for quick payment of minor medical bills without having to deal
with the courts or other insurance companies.

Collision: Protects against damage to your vehicle resulting from a collision with another vehicle or
object regardless of who is at fault. If the other driver is at fault, your insurance company may have a
legal right to seek reimbursement from the other driver or his/her insurance company.

Comprehensive: (Other than collision) This insures you against theft or other damage to your vehicle,
such as wind damage, falling objects, and vandalism.



             NOTE: The premium quotes in this guide include comprehensive and collision
             coverages which comprise a large portion of the premium payment. Your
             premiums could be considerably reduced if these coverages were omitted.
                                    Nebraska Department of Insurance Auto Rate Guide
                                           Rates in effect as of August 1, 2010 (All figures rounded)
                                            Rates shown are for a 6-month premium term


17-Year-Old Single Male                      Principal driver, pleasure use, drives less than 12,000 miles annually, lives with
                                             parents. No violations or accidents in the last 3 years.

Company Name                         Eastern          Western        South           Lincoln      NW      NE      SW      SE
                                     Nebraska         Nebraska       Sioux City                   Omaha   Omaha   Omaha   Omaha

Allstate Fire & Casualty Ins. Co.    1,119            1,287          1,272           1,141        1,416   1,416   1,234   1,489

American Family Mutual Ins. Co.      1,145            1,088          1,097           1,262        1,232   1,622   1,232   1,232

Farm Bureau Mutual Ins. Co.          1,259            1,259          1,657           1,372        1,453   1,889   1,453   1,889
Farmers Ins. Exchange                610              617            613             582          622     737     573     683
Farmers Mutual Ins. Co. of Nebr.     1,213            1,328          1,632           1,220        1,307   1,307   1,307   1,307
GEICO General Insurance Co.          1,075            1,170          1,249           902          1,032   1,549   1,083   1,196
Motor Club Insurance Association     2,573            2,720          3,519           2,238        2,613   3,069   2,434   2,605

Nationwide Agribusiness Ins. Co.     1,019            945            1,172           1,042        1,116   1,380   1,082   1,191
Progressive Northern Ins. Co.        2,461            2,373          2,595           2,408        2,855   3,575   2,627   3,012
Progressive Universal Ins. Co.       2,001            1,978          2,088           2,087        2,464   3,210   2,257   2,547

Shelter Mutual Insurance Co.         1,508            1,399          1,599           1,219        1,435   2,004   1,435   1,693

State Farm Fire & Casualty Co.       1,819            1,827          1,648           1,653        1,851   2,306   1,669   2,258

State Farm Mutual Auto Ins. Co.      1,614            1,642          1,450           1,444        1,614   2,015   1,459   1,967

United Services Automobile Ass’n     897              944            1,221           906          972     1,099   943     994




17-Year-Old Single Female                    Principal driver, pleasure use, drives less than 12,000 miles annually, lives with
                                             parents. No violations or accidents in the last 3 years.

Company Name                         Eastern         Western        South           Lincoln      NW       NE      SW      SE
                                     Nebraska        Nebraska       Sioux City                   Omaha    Omaha   Omaha   Omaha

Allstate Fire & Casualty Ins. Co.    477             551            543             498          617      617     534     640
American Family Mutual Ins. Co.      414             389            381             429          417      548     417     417
Farm Bureau Mutual Ins. Co.          480             480            624             492          527      868     527     686
Farmers Ins. Exchange                379             394            368             341          364      435     336     399
Farmers Mutual Ins. Co. of Nebr.     438             489            579             429          457      457     457     457
GEICO General Insurance Co.          337             384            387             260          300      462     314     348
Motor Club Insurance Association     686             729            993             591          695      813     649     693
Nationwide Agribusiness Ins. Co.     338             320            367             324          350      418     337     367
Progressive Northern Ins. Co.        455             439            470             426          513      640     470     543
Progressive Universal Ins. Co.       462             457            473             462          547      693     501     561
Shelter Mutual Insurance Co.         480             446            508             390          458      634     458     538

State Farm Fire & Casualty Co.       531             540            478             475          530      658     479     641

State Farm Mutual Auto Ins. Co.      472             486            421             416          462      576     418     559

United Services Automobile Ass’n     310             335            398             299          322      360     313     330
                                    Nebraska Department of Insurance Auto Rate Guide
                                            Rates in effect as of August 1, 2010 (All figures rounded)
                                             Rates shown are for a 6-month premium term


21-Year-Old Single Male                       Principal driver, pleasure use, drives less than 12,000 miles annually, student,
                                              rents apartment. No violations or accidents in the last 3 years.

Company Name                         Eastern          Western        South           Lincoln      NW      NE      SW      SE
                                     Nebraska         Nebraska       Sioux City                   Omaha   Omaha   Omaha   Omaha

Allstate Fire & Casualty Ins. Co.    895              1,047          1,015           892          1,122   1,122   967     1,173

American Family Mutual Ins. Co.      951              899            896             1,023        996     1,313   996     996

Farm Bureau Mutual Ins. Co.          819              819            1,072           859          917     1,195   917     1,195
Farmers Ins. Exchange (2)            609              615            617             590          629     746     582     692
Farmers Mutual Ins. Co. of Nebr.     1,139            1,262          1,526           1,128        1,213   1,213   1,213   1,213
GEICO General Insurance Co.          740              840            851             606          662     1,022   693     768

Motor Club Insurance Association     2,191            2,314          2,995           1,905        2,225   2,613   2,072   2,218

Nationwide Agribusiness Ins. Co.     963              906            1,064           923          996     1,235   965     1,059
Progressive Northern Ins. Co.        1,072            1,048          1,082           961          1,150   1,453   1,052   1,253
Progressive Universal Ins. Co.       884              886            893             853          1,025   1,340   928     1,083

Shelter Mutual Insurance Co.         1,381            1,281          1,464           1,117        1,314   1,835   1,314   1,550

State Farm Fire & Casualty Co.       1,438            1,449          1,301           1,303        1,457   1,814   1,315   1,775

State Farm Mutual Auto Ins. Co.      1,277            1,303          1,145           1,138        1,271   1,586   1,147   1,547

United Services Automobile Ass’n     535              590            687             502          543     614     527     559




21-Year-Old Single Female                     Principal driver, pleasure use, drives less than 12,000 miles annually, student,
                                              rents apartment. No violations or accidents in the last 3 years.

Company Name                        Eastern         Western        South           Lincoln       NW       NE      SW      SE
                                    Nebraska        Nebraska       Sioux City                    Omaha    Omaha   Omaha   Omaha

Allstate Fire & Casualty Ins. Co.   749             875            848             751           939      939     811     980

American Family Mutual Ins. Co.     831             786            788             898           875      1,154   875     875
Farm Bureau Mutual Ins. Co.         785             785            1,029           840           893      1,160   893     1,160
Farmers Ins. Exchange               532             538            536             510           545      646     502     598
Farmers Mutual Ins. Co. of Nebr.    857             950            1,149           852           914      914     914     914
GEICO General Insurance Co.         689             769            796             587           636      969     667     738
Motor Club Insurance Association    1,587           1,676          2,169           1,382         1,614    1,893   1,503   1,609
Nationwide Agribusiness Ins. Co.    752             705            837             733           790      972     764     838
Progressive Northern Ins. Co.       799             776            814             736           882      1,109   812     948
Progressive Universal Ins. Co.      650             649            665             645           780      1,015   708     810

Shelter Mutual Insurance Co.        1,035           960            837             837           985      1,373   985     1,161

State Farm Fire & Casualty Co.      1,136           1,142          1,030           1,033         1,155    1,436   1,043   1,406

State Farm Mutual Auto Ins. Co.     1,008           1,026          906             902           1,007    1,255   909     1,225

United Services Automobile Ass’n    459             501            593             438           473      533     459     485
                                    Nebraska Department of Insurance Auto Rate Guide
                                           Rates in effect as of August 1, 2010 (All figures rounded)
                                            Rates shown are for a 6-month premium term


44-Year-Old Married Female                   Principal driver, pleasure use, drives less than 12,000 miles annually, employed
                                             10+ years, owns home 15+ years. No violations or accidents in the last 3 years.

Company Name                         Eastern         Western        South          Lincoln      NW       NE      SW      SE
                                     Nebraska        Nebraska       Sioux City                  Omaha    Omaha   Omaha   Omaha

Allstate Fire & Casualty Ins. Co.    507             594            574            515          642      642     554     665

American Family Mutual Ins. Co.      459             429            418            469          454      599     454     454

Farm Bureau Mutual Ins. Co.          561             561            730            576          617      804     617     804
Farmers Ins. Exchange                398             417            383            353          376      450     347     413
Farmers Mutual Ins. Co. of Nebr.     473             534            628            462          494      494     494     494
GEICO General Insurance Co.          372             424            427            287          331      511     347     834

Motor Club Insurance Association     760             808            1,034          655          770      901     718     767

Nationwide Agribusiness Ins. Co.     403             384            429            371          403      487     388     423
Progressive Northern Ins. Co.        486             473            496            438          533      667     486     569
Progressive Universal Ins. Co.       485             483            492            475          568      720     516     584

Shelter Mutual Insurance Co.         611             567            582            582          582      808     582     684

State Farm Fire & Casualty Co.       601             615            539            535          596      741     538     722

State Farm Mutual Auto Ins. Co.      535             554            475            468          520      649     470     630

United Services Automobile Ass’n     306             333            390            292          314      351     305     322




65-Year-Old Married Male                     Principal driver, pleasure use, drives less than 12,000 miles annually, retired,
                                             owns home 15+ years. No violations or accidents in the last 3 years.

Company Name                         Eastern         Western        South           Lincoln      NW      NE      SW      SE
                                     Nebraska        Nebraska       Sioux City                   Omaha   Omaha   Omaha   Omaha

Allstate Fire & Casualty Ins. Co.    477             551            543             498          617     617     534     640

American Family Mutual Ins. Co.      414             389            381             429          417     548     417     417
Farm Bureau Mutual Ins. Co.          480             480            624             492          527     868     527     686
Farmers Ins. Exchange                379             394            368             341          364     435     336     399
Farmers Mutual Ins. Co. of Nebr.     438             489            579             429          457     457     457     457
GEICO General Insurance Co.          337             384            387             260          300     462     314     348
Motor Club Insurance Association     686             729            993             591          695     813     649     693
Nationwide Agribusiness Ins. Co.     338             320            367             324          350     418     337     367
Progressive Northern Ins. Co.        455             439            470             426          513     640     470     543
Progressive Universal Ins. Co.       462             457            473             462          547     693     501     561
Shelter Mutual Insurance Co.         480             446            508             390          458     634     458     538

State Farm Fire & Casualty Co.       531             540            478             475          530     658     479     641

State Farm Mutual Auto Ins. Co.      472             486            421             416          462     576     418     559

United Services Automobile Ass’n     310             335            398             299          322     360     313     330

				
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