Nevada Car Insurance
To find the most affordable and extensive policy for Nevada car insurance, it is crucial to understand what coverage is required as well as recommended for your vehicle, how to save money through discounts or other tips, and how to search for the best NV auto insurance policies. Let’s first start with the required types of coverage and limits for Nevada car insurance.
Required Minimum Nevada
Auto Insurance Coverage
The required types of coverage for Nevada car insurance is for the liability coverage only. Here are the liability coverage options with their corresponding required limits.
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Bodily Injury is required to be carried by the state of Nevada at $15,000 per person and $30,000 per accident. This coverage will pay for the medical bills for the passengers of the other vehicle if you cause the at-fault accident.
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Property Damage is required to be carried by the state of Nevada at $10,000 per accident. This coverage pays for the repairs to the other vehicle if you cause the at-fault accident.
Other Non Required Types of
Nevada Auto Insurance Coverage
These other types of coverage are not required by the state (although they may be required by your financing company).
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Uninsured Motorists Bodily Injury is a coverage that protects you and your passengers in the case of a not at-fault accident but the other drive doesn’t carry insurance. This will pay for your medical bills.
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Medical Payments is a coverage that again protects you and your passengers, but this will kick in if you cause an at-fault accident. This also pays for you and your passenger’s medical bills.
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Collision coverage is not required by the state but may be required by your financing company (if your vehicle is financed). This coverage pays for repairs to your vehicle should you be involved in an at-fault accident.
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Comprehensive coverage is also not required by the state but may be required by your financing company. Comprehensive covers only named occurrences (which are non-accident related) in include some of the following: vandalism, theft, wind damage, glass breakage and other weather related occurrences.
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Extras coverage includes towing and rental for your vehicle. The prices and availability will vary by company, but it can often be price effective to include these with your auto insurance.
Nevada Car Insurance Discounts Available
Another important item to research for your Nevada car insurance is which discounts are available to you in this state. This of course will also vary by company and by the requirements of the discounts. However, here is a list of discounts to consider while shopping for your auto policy.
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Defensive driver discount is available to those drivers 55 or older. To qualify for this discount, you must take a certification course through your local DMV. Often times states will provide online options, and this discounts can sometimes last for up to three years.
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Good student discount is available for drivers under 25 that are enrolled in either high school or college full-time. To qualify, most companies will require a GPA of 3.0 or better (or a “B” average or better). Also, many companies will require you to provide proof of the most recent grades.
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Good driver discount is for drivers with no tickets or at-fault accidents within the past three to five years. In essence, this discount is for, well, good drivers.
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Multiple vehicles discounts are often automatically applied when two or more vehicles are put on the same policy. However, it is always wise to double check that this discount has been applied.
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Multiple lines discounts are for policyholders that chose to go with one company for most of their insurance needs. For example, if you need homeowners, life, auto and umbrella insurance, many companies will reward you for purchasing all those policies with them. Most times it will not only give you a discount on your auto policy, but another one on your homeowners (or other type of insurance policy) as well.
Compare Cheap Nevada Car
Insurance Quotes Online
For those shopping for Nevada car insurance, it is important to understand what type of coverage is necessary for their vehicle needs. Further, it is critical to know what discounts are available to ensure that the companies are giving the best possible price. But most important of all, it is necessary to compare multiple policies when choosing a new auto insurance company. Start your search today by using our free search tools at the top of the page. Find a more affordable Nevada car insurance policy now!