Nevada Auto Insurance Rate Quotes, Minimum Requirements and Penalties

Nevada auto insurance rates are quite high. The state represents so much more than just a gambling Mecca and the place to go for a quickie wedding or divorce. It has been one of the fastest growing areas of the country for many years, thanks to many of the advantages the government offers residents. However, car owners in the Las Vegas Valley, the most populous part of the state, have the sad distinction of paying amongst the highest car insurance rates in the country. This is partly because the area boasts one of the highest crime rates nationwide. Because of these facts, many Nevadans are more than preoccupied with how to get a break on their Nevada auto insurance premiums.

Nevada car insurance minimums are mandatory according to state law. However, unlike most other states, you have a choice in the minimum liability coverage you take out. You can opt for the 15/30/10 limits that are $15,000 bodily injury coverage per person, $30,000 bodily injury coverage per accident in total and $10,000 property damage coverage. Alternatively, you can opt for single limit liability coverage in the amount of $40,000 which is meant to cover all bodily injuries and property damages resulting from an at-fault accident. There are many other types of coverage available also. However, before you go shopping for car insurance rate quotes it is important to understand how the system works.

There are a variety of factors that are taken into consideration when you are getting a Nevada auto insurance quote. Some of these things you have some control over. Others you have much less control over. Your age and gender will help to determine your insurance rating, as well as your marital status. Where you live is also a major consideration. If you are looking for Nevada auto insurance in one of the small towns in rural Nevada, you will pay much less than those people living in Las Vegas.

Your car itself will also directly impact the price of your auto insurance policy. You can plan to save money on car insurance by checking the price of insurance prior to purchasing a vehicle. Certain makes and models are well known for being expensive to repair and will therefore cost more to insure. In addition, when you buy a vehicle make sure it is equipped with options that lower your premium like anti-lock brakes, anti-theft devices and automatic seat belts. Reducing the annual mileage you put on your car will also help you save on your annual insurance costs.

The most important factor in the cost of your auto insurance is your driving record and that of the other drivers in your household. In order to lower your premium, you can improve your driving record by taking a defensive driving or other type of course to erase a minor citation. However, by driving as prudently as possible and avoiding taking unnecessary risks, you will reduce your chances of tickets and accidents, thereby preserving your driving record, so you can get the best Nevada auto insurance premium possible.

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15/30/10 are the minimum liability requirements, in thousands of dollars, for your Nevada auto insurance policy.

As you would expect, your policy for Nevada auto insurance will cost significantly less if you live in a rural area - as compared to living in Las Vegas.

Check additional valuable information of your State Insurance department organization.
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