It's easy to envision the days of the Wild West when you drive up Highway 50. And if you get into an auto accident without adequate Nevada auto insurance, any road in the Silver State can turn into the Loneliest Road in America. We've gathered some good information here for you so that you don't have to feel like the best deals are a secret along the lines of Area 51.
The Minimum Bet
Las Vegas auto insurance is like a blackjack table: you're required to spend a minimum amount. By state law, every driver must purchase liability insurance for $15,000 bodily injury coverage for one person in one accident, $30,000 bodily injury coverage total per accident, and $10,000 property damage coverage per accident. In addition, the policy provider must be licensed in Nevada. These requirements apply whether or not you use your vehicle. If you fail to meet these standards, your registration will be suspended. And if a police officer pulls you over with suspended registration, that officer can immediately impound your car. But just as you might double down, or split a pair of Kings, a lot of other factors influence your Nevada auto insurance quotes.
Sagebrush, Mountains, and Urban Development
Nevada is large and diverse, and where you live helps policy providers determine your Nevada insurance quotes. And this doesn't necessarily mean a remote locale in the Mojave Desert. Let's take the example of a 40-year-old male who has a joint policy with his wife and opts for a 100/300/50 policy ($100,000 bodily injury coverage for one person in one accident, $300,000 bodily injury coverage total per accident, and $50,000 property damage coverage per accident). His average annual cost in Carson City likely falls under $700. But in Las Vegas --a high-traffic, higher-crime area --that average cost jumps to more than $1,000. But suppose he equips his car with anti-theft devices. Maybe he has impeccable credit. Even in Las Vegas, he can find a policy for less than $500, which shows why it pays to know what coverage you want and then shop around for the best Nevada auto insurance quotes.
The Right Coverage for You
Make sure you understand what affects your Nevada auto insurance quotes, as well as how much coverage you want. Perhaps you think the minimum requirement is all you can afford, but can you afford the exorbitant costs that might arise from a serious accident? One example is a 24-year-old female in Henderson who drives a 2008 Toyota RAV4 4X4. She drives her car to work at a restaurant five days a week. If she opts for the state-required minimum coverage, she can pay as little as $510 per year. If she decides instead to increase her policy to 100/300/50, with higher medical and uninsured/underinsured motorist coverage, she can find a policy for $654. Since this is only $12 per month more than the minimum, she may decide the extra protection is worth the cost.
Do Your Homework
Maintaining a good driving record helps keep costs low. Credit history, lapses insurance, and whether you own or lease your car all affect Nevada auto insurance quotes, too. NetQuote will take all of these factors and more into account to help you easily compare all the options for Nevada auto insurance. Just like bringing extra water on a hike through Death Valley, or extra layers for a day of skiing in Tahoe, it pays to be prepared.