Cheap Nevada Auto Insurance

Looking for cheap auto insurance in Nevada? You’re lucky, as our free quote tool has really helped people out a lot! Not only will it bring you the great quotes that you need, our tool is easy to use! We don’t believe that any person should have to pay a lot of money for their auto insurance policies, and with that in mind, we keep our quote tool free – allowing you to just find the policy that you want.

Understanding the law in the state is generally what’s needed to determine cheap auto insurance in Nevada, and how it’ll affect you. The state of Nevada requires all insurance companies to offer uninsured and underinsured motorist insurance to all their policy holders. Uninsured and underinsured coverage provides protections against drivers who do not carry the mandatory liability auto insurance demanded by the state. Underinsured and uninsured coverage is not mandatory in the state of Nevada but it is recommended. If you decide to forego this option, the insurance company is required to provide a signed declaration page stating that you chose not to take the underinsured and uninsured coverage.

If your policy lapses or cancels you can be cited for driving without the required insurance so you must pay the premium to reinstate the policy. If the policy is cancelled, then you must find a new auto insurance policy right away. Considering the litanies of ways to obtain cheap auto insurance in Nevada auto insurance, there’s no reason to be caught without a policy.

Nevada insurance companies can use your credit history to accept applicants, set insurance rates, and determine which services they will provide. They may also use your credit score to determine your risk factors however many other factors are used to determine your rates such as the age of the drivers on the policy, the car you drive, your driving record, where you live and your marital status – all of these things play a part in determining whether or not you’ll receive cheap auto insurance in Nevada.

Since Nevada is a Torte state, any individual who is found to be at fault in an accident can be sued for pain, suffering, lost wages, and medical expenses. For this reason, insurance companies advise policy holders to buy more than the minimum liability auto insurance. The average insurance premium in Nevada as of 2006 is approximately $1,006.00 and the state is ranked as the 9th most expensive state for insurance premiums in the nation, making more difficult, but not impossible to find a cheap auto insurance rate in Nevada.

There are other things that will help a person when they’re hunting for a cheap Nevada car insurance policy. One of the methods you can use to reduce the cost of your auto insurance premiums is to purchase more than one type of insurance policy with the same company. You will also get discounts for a clean driving record and possibly for renewing you policy with the same company repeatedly. Making sure you insurance never lapses will sometimes reduce your premiums as well as belonging to a particular professional group such as engineers, teachers, or doctors.

Discounts also help out a lot if you’re looking for cheap Nevada auto insurance. Younger drivers can get discounts for maintaining good grades, and completing a driver safety course approved by the state. Insuring multiple vehicles will also reduce your premiums. Anti-theft devices and safety mechanisms such as airbags and seat belts will contribute to the reduction of your auto insurance premiums. It may also be useful to know which cars are frequently targeted by thieves. The list of the top ten most often stolen cars in the state of Nevada are listed below.

1. 1990 Honda Accord
2. 1991 Toyota Camry
3. 1995 Honda Civic
4. 1994 Saturn SL
5. 1994 Nissan Sentra
6. 2004 Dodge Ram Pickup
7. 1992 Chevrolet C/K 1500 Pickup (full size)
8. 2002 Dodge Intrepid
9. 1993 Jeep Cherokee/Grand Cherokee
10. 1995 Dodge Neon

In short, if you’re looking for a cheap auto insurance policy, there’s a good chance that you’ll find our free quote tool to be of use. It’s been responsible for plenty of people saving money, and you can be next. There’s no reason to pay a lot of money when you don’t have to – there are policies for the taking!

Useful links:
Nevada Division of Motor Vehicles
Nevada Division of Insurance
Nevada Department of Revenue

Bodily Injury Liability Per Person: $15,000.00 Limit
Bodilty Injury Liability Per Accident: $30,000.00 Limit
Property Damage Per Accident: $10,000.00 Limit

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