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
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