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This page provides fast facts and helpful hints for Nevada drivers looking for lower rates on car insurance.
Although the state of Nevada is a pricey place to own a car, Nevada auto owners can slash their annual premiums just by following a few simple steps.
Here's how Nevada car owners can literally save hundreds of dollars each year in car insurance costs.
Minimum Liability Coverage
Nevada state law requires a minimum coverage of 15/30/10 per owned vehicle.
This means that Nevada drivers must purchase at least $15,000 in Personal Injury Protection (PIP), $30,000 to cover the cost of injury to others, and another $10,000 in coverage against property damage.
So Nevada state law requires a total of $55,000 in liability coverage per vehicle, and this would be the maximum payout per accident.
Penalties for Driving Uninsured
Penalties for getting caught driving without adequate insurance in Nevada include fines, license suspension, reinstatement fees and raised premiums. Subsequent offenses face harsher penalties.
The Average Annual Car Insurance premium for a vehicle owned in the state of Nevada was $1,341 last year, quite a bit lower than the national average of $1,510.
According to analysts at Top50States.com, Nevada's relatively low car insurance premiums are partly a function of the state's strong economy, low population density and relatively mild climate.
the Cost of Car Insurance
Here are some easy way for Nevada car owners to lower their annual premiums on auto insurance.
1. Some car owners save money on administrative fees by paying their annual premiums all at once, rather than month by month.
2. City dwellers sometimes don't drive for three years. This entitles them to discounts for perfect driving records.
3. The best way for a driver in Nevada to reduce costs on car insurance is to qualify and apply for every available discount. Most car insurance carriers offer good driver discounts, good student discounts, senior citizen discounts, vehicle safety discounts, multiple auto discounts, and quite a few others.
Based on recent consumer reports, car owners in the state of Nevada prefer Allstate, Farmers, Geico, Progressive, State Farm, Travelers, and 21st Century Insurance.
The easiest way
to obtain a low quote is simply to call five or six agents for free
quotes, and ask about their discount programs.
Factor in the discounts and compare quotes. Then choose the cheapest premium package.
The discounts add up to saving big money every year on car insurance.
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