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
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