Car Insurance Tidbits For Las Vegas, Nevada Motorists
Car insurance in Las Vegas is available through many providers. Some popular insurers you might be familiar with include State Farm, Bristol West, Travelers, Badger Mutual, Colorado Casualty, Safeco, Farmers, Allstate and ANPAC. These and others will vary in how much they charge on premiums. So no matter how large or small a provider, it’s wise to compare auto insurance rates before you buy. You might be pleasantly surprised at the savings.
Facts to Know about Las Vegas
Auto insurance providers use various statistics to determine rates. They consider how long the average commute to work is for local residents, which is 25.4 minutes in Las Vegas. Providers also consider how many fatal car crashes there are in a specific city. Las Vegas had 45 fatal automobile accidents in 2007, which involved 125 people and 76 automobiles. Auto thefts are also considered. If you have a car, truck or SUV that’s on the top ten list for stolen vehicles, then your insurance premium might be somewhat on the high side. In Las Vegas, there were 16,445 thefts in 2007! The most stolen vehicles in the state of Nevada include the 1992 Honda Accord, the 1991 Toyota Camry, the 1994 Nissan Sentra, the 2003 Chevrolet Tahoe and the 1995 Honda Civic. If you’re getting ready to purchase a new car, look up the most stolen cars in your area and be sure to compare car insurance rates before you buy.
Know the Requirements in Nevada
Las Vegas motorists must follow the auto insurance guidelines set by the state of Nevada. The state law requires a minimum of $15,000 per individual of Bodily Injury Liability and $30,000 total per accident. For Property Damage coverage in NV, the minimum is $10,000. You might see these Nevada state requirements written as 15/30/10. Uninsured and underinsured motorist coverage are not required in Nevada; however, these types of coverage can provide peace of mind if you are ever hit by a driver that has inadequate coverage. Nevada uses the Tort system, which means the “at-fault” driver is responsible for damages or bodily injury caused in an accident.
Shopping for Las Vegas Car Insurance
It’s a good idea to compare many car insurance providers before deciding on a plan or provider. Use online quote sites to do a free comparison. This will save time and money, and enable you to get a bird’s eye view of what several companies offer. Quote sites may offer quotes for 25 to 50 providers at a time. Be sure to include all your vehicle information, driving history, any discounts you are entitled to, etc. This will ensure that your quote is accurate and you can do an informed comparison. Keep in mind that many factors will be considered to determine your rate, including your marital status, where you live in Las Vegas, your average commute to work, credit score, driving history, etc.
As you shop for car insurance, remember that not all providers are created equal. Compare rates and customer service ratings. The Nevada Department of Insurance website is a great resource along with Better Business Bureau and several car insurance financial rating sites. Get started today to find Las Vegas car insurance that fits your budget!