When it comes to getting Pahrump insurance quotes, you shouldn't go about it like you were playing your last $20 on a black-jack hand. Yeah, you may win the hand, but the odds are with the house. And with Nevada insurance rates some of the highest in the country (over $1,000 year), it's best to see everyone's hand--i.e. all insurance companies--first rather than just throwing your money to the house. So why not put the odds on your side when shopping for Pahrump insurance quotes. With a little education, you're more likely to leave the table ahead. Now let's look at buying Nevada auto insurance.
First, you'll need to know the basic Pahrump insurance liability requirements:
- $15,000 for bodily injury or death of one person in any one accident.
- $30,000 for bodily injury or death of two or more persons on any one accident.
- $10,000 for injury to or destruction of property of others in any one accident.
Also, just so you know, you'll need proof of insurance any time you register a vehicle, renew a registration, or get new license plates. And your card must be in your vehicle at all times.
Why Is Insurance in Pahrump So Costly?
When insurers calculate premiums they look at a number of personal factors like age, gender, marital status and even credit rating. They also look at where you'll be driving and what that environment is like. Nevada has some of the worst statistics in the country when it comes to vehicle operation.
For example, Nevada is the most trafficked state on urban freeways and expressways. About 17% of drivers are uninsured which is a nightmare for insurance companies. And for every 100 accidents in the country, 25 injury claims are made; in Nevada, 40 claims are made. More specifically, Pahrump's Nye County had the 3rd highest rate of traffic fatalities in Nevada which puts them at almost 30% above the median rate for all U.S. counties--not a comforting statistic for Pahrump insurance companies. On top of all this, Nevada is one of the worst states in the country for insurance fraud. OMG!
Stacking the Deck in Your Favor
With numbers like these, it's easy to see why your Pahrump insurance quotes will be higher than most other cities in the country. Now that you know the deck is stacked against you, let's look at some ways that will help you lower your insurance quotes.
- Good student discounts
- Multi-car discount- insuring two or more cars with the same company.
- Air bag discount
- Anti-theft device discount
- Commuter/Carpool discount- driving to a park-n-ride and thus lowering your commute mileage should lower your premium.
In addition to these, consider what kind of car you're going to insure. With some of the highest theft rates in the country, insuring cars like a 1992 Honda Accord, 2006 Nissan Altima or a 2006 Ford F150--3 of the 10 most stolen cars in Nevada--would cost you more.
Playing Your Best Hand
Now that you have a little more information than when you started, the best hand to play in your search for Pahrump insurance quotes is to use NetQuote. With NetQuote, the odds are you'll find the Nevada insurance quote that best fits your financial needs without spending a lot of time and hassle. Let the dealing commence!