Nevada Auto Insurance
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The Fundamentals of Nevada Auto Insurance
What is auto insurance?
Auto insurance protects you from financial loss in the event of an accident. Your Nevada auto insurance policy is a contract between you and your insurance company which says that you agree to pay the premium and the insurance company agrees to pay for any losses or damages—as outlined in your policy.
Is it illegal to drive without Nevada auto insurance?
Yes. Nevada law requires all motorists to have liability coverage, which includes coverage for bodily injury and property damage. Your coverage can purchased as split level coverage or combined single limit coverage.
If you choose to purchase Nevada auto insurance as combined single limit coverage, the minimum allowed by Nevada law is $40,000. These are the following options for split limit coverage:
- Option One: 15/30/10—$15,000 per person for bodily injury, $30,000 per accident for bodily injury and $10,000 per accident for property damage.
- Option Two: 100/300/50—$100,000 per person for bodily injury, $300,000 per accident for bodily injury and $50,000 per accident for property damage.
The minimum limits of liability required by Nevada law is 15/30/10.
How much auto coverage do I need?
Before purchasing your Nevada auto insurance, ask yourself:
- How will I pay to replace my possessions if they are stolen?
- How will I pay to repair my property if it is damaged?
- How will I pay legal fees and damage awards if I am sued by another motorist?
Remember that motorists injured because of your negligence can sue for more than your policy covers. You will want to consider this when purchasing your Nevada auto insurance. You will want to compare quotes and consider higher limits of coverage.
How will my Nevada auto insurance rates be determined?
Your agent will determine your Nevada auto insurance rate based upon the following information:
- Your driving record
- Your location
- Your marital status
- Your gender and age
- The age and type of your automobile
- Your prior insurance coverage
- The number of miles you drive annually
In what ways can I save on my Nevada auto insurance?
Insurers award discounts to individuals they consider a lower risk. Make sure you ask your agent about these discounts for your Nevada auto insurance policy:
- Insuring multiple vehicles. Yes, insurance companies want your business. But it is also easier for them to underwrite individuals they know—which saves money for all parties involved.
- "Good student" discounts. Insurers have found that students maintaining a B average or better tend to be more responsible drivers.
- Taking extra safety measures. Insurers are required to give discounts to persons over the age of 55 who have completed a driver's education course approved by the Department of Motor Vehicles. Stepping up security in your vehicle can also warrant a discount.
- Keeping leisurely drives to a minimum. The fewer miles you drive, the lower your risk of getting into an accident. Some insurers also offer discounts for individuals who carpool.
What if I still have questions on Nevada auto insurance?
You can contact the Nevada Department of Insurance in Carson City at (775) 687-4270 and in Las Vegas at (702) 486-4009, or visit them at www.doi.state.nv.us.
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