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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 can be 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 premium costs.
The Average Annual Car Insurance premium for a vehicle owned in the state of Nevada was $1,485 this year, somewhat higher than the overall national average of about $1,365.
Nevada's higher average car insurance premiums could be a function of extra high rates in Reno and Las Vegas.
Yet, the state maintains a strong economy, a low population density, and a relatively mild climate.
Penalties for getting caught driving without adequate insurance in Nevada include fines, license suspension, reinstatement fees, and raised premiums. Subsequent offenses face harsher penalties.
Insurance experts estimate that nearly 11% of drivers in the state of Nevada are uninsured.
Nevada state law requires a minimum coverage of 15/30/10 per owned vehicle.
This means that Nevada drivers must purchase at least
So Nevada state law requires a total of $55,000 in liability coverage per vehicle, and this would be the maximum payout per accident.
Here are some easy ways 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. People who live in or near Las Vegas or Reno can easily try this.
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
Still, other drivers in Nevada prefer regional carriers, such as USAA or The Hartford.
In any case, 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 simply choose the cheapest car insurance company policy that meets your individual needs.
Discounts add up to saving big money every year on car insurance.
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