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Auto Insurance in Elkhorn, NE

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Required Car Insurance

Carrying car insurance is required by law in most states, but that doesn’t mean that all car insurance coverage is created equally.

It actually matters where you get your policy.

Make sure you go with an Elkhorn, NE, auto insurance company that you can trust with comprehensive and liability coverage for your vehicle. Eric Luebbe is an auto insurance company in Elkhorn, NE you can count on!

Know the difference

Are you searching for the cheapest car insurance coverage in Elkhorn, NE? It may not necessarily be the best option for you! Simply choosing the cheapest policy may not provide the kind of coverage that you need or make sense for your lifestyle.


There are plenty of options for car insurance these days, and it may seem like most policies are similar in cost and coverage. However, Elkhorn, NE, auto insurance companies and those in other local areas can tailor a policy that covers what you need and not what you don’t need.

What Our Clients Say About Eric Luebbe Insurance Agency

If you want a great agent that has your best interests in mind? Look no further!! Eric is a great agent making sure the customer is number one. There is a reason we stick with him for our insurance needs. Quick responses and even better service!!

Jacob Matteson

Excellent customer service! Eric and staff are always friendly and courteous. Eric looks out for his customers and works with them to ensure that they get the coverage they want at the best cost. Would highly recommend.

Andrea Miller

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Auto Insurance 101

Learn more about auto insurance so you can make an informed decision on your coverage.

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto insurance coverage

Car insurance protects you and your assets against loss, damage, or injury, whether it was caused by you or another driver. Most policies include one or more of the following protections:


Our Elkhorn, NE, auto insurance company goes the extra mile, offering additional protection, which may include:

Medical Payments
Emergency Road Service
Uninsured Motorist Protection

One-size-fits-all simply doesn’t work in the world of car insurance.

With Eric Luebbe Insurance, you can get the comprehensive and liability coverage you need in Elkhorn, NE at a price that makes sense for you. Reach out to us today to explore your options!

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We do things differently

Don’t fall for a one-size-fits-all discount car insurance policy and end up with inadequate coverage. Contact Eric Luebbe Insurance today and let us help you protect what matters.

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Eric Luebbe Insurance Agency - Logo 800

1152 E 16th Street, Fremont, NE 68025 | 402-721-5454