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Nevada.
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Nevada auto insurance laws
Nevada is a tort state, which means that drivers are financially responsible for the property damage and personal injury they may cause during an auto accident. Liability coverage helps insure you against these costs, and it is required in Nevada.
Nevada auto insurance laws require liability coverage of 15/30/10. (That's $15,000 per person for injuries you cause to the other party, up to $30,000 for all, and $10,000 for any damage that you cause to the other driver's car and/or property.)
However, these are only minimums, and higher levels of protection are strongly recommended, especially if you have assets to protect. After all, accidents can get very expensive, especially if injury is involved.
Nevada auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists coverage.
You may want to consider purchasing any or all of these coverages, especially uninsured and underinsured motorist coverages. These policies help cover the cost of your injuries and property damage should you be in an accident with a driver with inadequate liability insurance.
Sidebar If you are a Nevada resident, you might be able to save on your policy premium by visiting Electric Insurance. Their policies are available only to better drivers, whose credit and driving records could be described as being at least good.
After comparing several rates at ComparisonMarket, pay a visit to Electric and get a quote to see if you qualify.
How Nevada car insurance rates are set
For better or for worse, the price of Nevada auto insurance is decided by the behavior of the state's drivers as a whole. Nevada auto insurance companies take the cost of insuring Nevada drivers (this includes what they pay out for injury and damage, legal and administrative fees, and the cost of prosecuting insurance fraud) and divide it up among the drivers.
But the cost isn't spread around evenly. Instead, Nevada car insurance providers calculate how much a certain "category" of driver costs them, and decide premiums based on that. The "category" you're in is decided by your driving record, your age, where you live, and the kind of car you drive, among other things.
Of course, not all auto insurance providers use the same categories and calculations, so the same set of characteristics (yours!) will be seen very differently by different insurance companies. And they'll quote youdifferent rates.
What this means for you, as an Nevada driver, is that you need to shop around. It's the fastest easiest way to save on an Nevada auto insurance policy.
Where to get Nevada auto insurance quotes
The following web sites will help you find Nevada car insurance quotes: (these links will open in a new window)
• Geico - a great service, especially for those who can't get insured elsewhere. Be sure to complete the entire quote form!
• Get a quote using your ZIP Code, Find local and national insurers who offer discounts in your area:
To speed things up, you might wish to have some information required for an online quote ready before you begin.
More NV car insurance advice and help
If you want more help designing your NV auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains a lot of money saving advice too.
Then subscribe to our free email course. You'll learn the simple step-by-step process that will help you locate, evaluate, and purchase the best possible auto plan for you and your family. (Or your small business).
Sign up here:
Sign up for our free email course to learn the step-by-step process that will help you get the best auto coverage for the least amount of money.
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