Tuesday, September 18, 2007

How to Save Money and Get Discount Car Insurance in Nevada

Nevada is a no-fault auto insurance state which means that its auto insurance rates are among the highest in the nation. Therefore it is very important to shop around and compare policies in order to save money and get discount car insurance in Nevada.

Before you begin searching for the best prices on car insurance in Nevada, you need to sit down and decide what coverage you need. If you are driving a newer car that is financed you will need to carry the coverage required by your financial institution. Your required coverage may be greater than the state minimum requirements.

If you have a list of lender-required coverage amounts then sits down on-line with that list and key it in on one of the many auto insurance quote sites that allow the instant side-by-side comparison of car insurance rates.

If you drive a car that is fully paid for you have additional options that you may not have with a vehicle that is financed. In Nevada you are required to carry minimum liability coverage: $15,000 per individual for any bodily injuries you cause to other people, $30,000 for all injuries and $10,000 to cover any damage you do to another person’s property. You are not required to carry any form of personal injury insurance – although you may elect to carry such coverage.

All Nevada car insurance companies offer coverages in addition to the state minimums and you may want to consider additional coverage depending on the age of your vehicle, the value of your vehicle, and your personal financial situation.

Your auto insurance rates in Nevada are determined by a number of factors: your age, your driving record, the kind of car you drive, and the area that you live in.

If you are going online to shop and compare discount car insurance in Nevada you’ll need to have some information on hand to make your job easier. First you’ll need your driver’s license and the information it contains. You’ll also need a record of any accidents or tickets you have had in the past 5 years and any claims you have made against another auto insurance company over the last 5 years.

Plan to spend 15 to 20 minutes filling out the form on the auto insurance comparison website, but once you’re done you should be able to pick and choose the best auto insurance policy for you and your family at a price you can afford.

Different companies charge different rates, so it definitely pays to compare. A little time spent online today looking for the very best and most affordable discount car insurance could result in substantial savings for years to come.

By Angela Farnsworth

How to Find Affordable Car Insurance in Nevada

If you think it seems like it’s getting harder and harder to find affordable car insurance in Nevada you’re not alone. Car insurance premiums have been going up all across the state, even for drivers with good driving records who have never filed a claim.

It has gotten so bad that some drivers are contemplating driving without auto insurance – but don’t you be one of them. Automobile insurance is mandatory if your drive a car in the state of Nevada and the penalties for driving without insurance are extremely severe – and could result in your driving privileges being suspended entirely for a good long time.

The answer is to find ways of driving down the cost of your car insurance premiums and allow you to find affordable car insurance here in Nevada.

Start by maintaining a good driving record. Do not drive when drunk or impaired in any other way. The potential penalties are simply too severe. In addition to any legal problems you may face, your auto insurance rates are likely to soar if you are convicted of any moving violation, especially drunken or impaired driving.

If you smoke, consider quitting. It may be difficult to quit, but the money you save – including the savings on your car insurance premiums – can make all the discomfort worthwhile.

If you are in school stay there and study hard. If you are a student and you can maintain a “B” average most car insurance companies here in Nevada offer what is called a Good Student Discount.

If your parents are willing, have your car added to their policy rather than taking out a policy of your own. Most companies charge student driver’s less if their policy is attached to their parent’s policy.

If you are over 50 take a safe driver refresher course. Such courses are even offered online and the successful completion of one of these courses can save you up to 10% on your car insurance premiums.

If you are buying a car don’t get that sports car or SUV or muscle car, not unless you are prepared to pay a much higher insurance premium. However, do by a car with air bags and other safety features, as these tend to lower your auto insurance rates.

If you have two or more cars make sure they are both insured by the same company. Most Nevada car insurance companies offer a multi-car discount – also, if you have a homeowner’s insurance policy or a health insurance policy or long term care policy or any other insurance policy, consider having it carried by the same company that insures your car. Most companies off a rather hefty multi-policy discount.

Be willing to pay the highest deductible you can afford. No one likes paying for any portion of an accident out of their own pocket, but the larger your deductible the lower your monthly car insurance premiums are going to be.

Lastly, go online and spend whatever time you need comparing prices and policies among a variety of companies, since prices can vary widely even for the same basic coverage. It takes effort and commitment, but if you are willing to do your homework and spend the time necessary to compare policies and prices, it really is possible to find affordable car insurance in Nevada.

Good luck!


By Angela Farnsworth

How to Find Cheap Car Insurance Online in Nevada

Under Nevada law if you drive on any public road in the state then you must have automobile insurance and you must be prepared to prove that you have insurance to any law enforcement official who demands proof.

In fact, Nevada is so serious about drivers carrying liability insurance that if your policy lapses or you cancel an auto insurance policy in Nevada, the state checks to make sure that you replace that policy immediately. If you don’t replace a cancelled policy – your driving privileges are suspended immediately.

In other words, do not try to drive without car insurance in the state of Nevada.

If you own a vehicle that is being financed by a bank or other lending institution then you are already aware that they require you to carry not only liability insurance, but collision insurance as well.

If finding cheap car insurance is important to you then there are a few things you should be aware of before you go online, searching for cheap car insurance here in Nevada.

Drive safely. Tickets, especially moving violations of any kind will drive your car insurance premiums straight out of sight.

If you’re in school stay in school and get good grades. Most car insurance companies offer a Good Student Discount. If you’re over 55 take an approved refresher driving course. Passing such a course can lower your premiums by 10%.

Keep your weekly mileage as low as possible. Some companies offer a low-mileage discount on premiums.

Know how much you can afford to pay out of your own pocket each time you have a claim. The more you are willing to pay (known as your deductible) the lower your monthly payments will be.

Now it’s time to get online and start making comparisons so that you can find cheap car insurance online here in Nevada. When you reach one of the comparison websites you’ll need the info from your driver’s license, the info from any insurance policy you currently have, dates of any tickets or convictions for speeding, reckless or impaired driving, and a great deal of additional information.

Making side-by-side comparisons of car insurance online is time consuming – and to make matters worse you really need to make comparisons at 3 different websites if you truly wish to compare prices from all the auto insurance companies doing business in Nevada – but once you have put in the time and effort, the results can be infinitely rewarding, sometimes saving you hundreds of dollars a year on your car insurance for many, many years to come.

By Gavin Bloom

Wednesday, September 12, 2007

Nevada Car Insurance Quotes- How To Save Money

Nevada car insurance rates have been a bit above the national average -- though not as high as some states. How much you pay depends on a lot of factors so when you're shopping for a quote, keep these in mind.

Your driving record, age, type of vehicle, credit rating, types of coverages, miles you drive and more all factor into your premium cost.

You at least need the minimum coverages required by Nevada state law. The state requires liability coverage for bodily injury and property damage as 15/30/10. This means you need at least $15,000 per person, $30,000 per accident for bodily injury and $10,000 per accident for property damage. You are also allowed to get these coverages as a single-limit. The minimum for single-limit coverage is $40,000.

To help you save some money on your premium, you can consider having a higher deductible. This is the amount you have to pay before the company pays the claim. The higher this amount is, the lower the car insurance company will charge you because you are picking up some of the financial risk.

You may also want to eliminate coverages that aren't necessary such as towing reimbursement or comprehensive.

Make sure you have a good credit rating, and if you don't, make an effort to improve it. Car insurance companies often use credit to determine risk; they claim that the worse your credit score is, the greater risk you are so they'll charge a higher rate.

Drive less. Auto insurance companies will often give you a better rate if drive infrequently.

Install anti-theft devices and take advantage of any discounts that your insurance company offers. These can include multi-policy, anti-theft, good driver, senior and good student discounts.

Most importantly, spend time getting comparison quotes on your auto insurance. Many people save literally hundreds of dollars just by shopping because car insurance company rates vary quite a bit from company to company. Get at least three different comparison quotes.

Get free comparison Nevada car insurance quotes, plus more information about saving on car insurance at LowerYourInsurance.com. The site also includes a handy worksheet to help you when shopping for car insurance. Freelance writer Scott Lunt writes about car insurance and other insurance topics.

Article Source: http://EzineArticles.com/?expert=Scott_Lunt