Nevada car insurance may not always seem that cheap, but you can still find ways to save money when getting quotes or otherwise. Here are some tips.
Auto insurance rates vary from one company to the next, and from region to region in Nevada - no matter if you live in Las Vegas, Reno or elsewhere. The Nevada Division of Insurance's Web site features a consumer guide that shows some representative car insurance rates for different hypothetical scenarios by ZIP code. These can give you an idea of what you might pay for a premium.
However, there are several factors, including your age, driving record, miles you drive and more that could impact that. That's why the Insurance Information Institute recommends doing some comparison quote shopping to find the lowest rates and best value. The institute recommends getting at least three different quotes.
You don't have to spend a lot of time doing this, and in fact, the Internet has made this a very easy process. You can visit individual company Web sites and request quotes from each, or use an insurance comparison site.
With a comparison site, you benefit from the convenience of only needing to complete one online quote request form to receive several different quotes back. The quotes should come from companies or agents who do business in your area.
If you choose to contact agencies or companies individually, be sure to provide the same information about your desired coverages and deductibles, drivers on the policy and annual mileage to each for the most accurate comparison.
The state of Nevada requires a minimum of $15,000 bodily injury liability coverage for injury or death of one person in an accident and $30,000 for bodily injury or death of two or more persons in an accident. It's also required to have a minimum of $10,000 for injury or damage to the property of others. This coverage is generally described as 15/30/10. Keep in mind that these are minimum requirements, but may not be enough to protect you if you are financially responsible for an accident.
Once you find a quote you like, you can check with the insurance division to see if there are any complaints about the company. Even though you may be looking for cheap auto insurance, you don't want to deal with a financially unstable company or poor customer service.
You can try to visit www.loweryourinsurance.com to get cheap car insurance quotes.