Auto insurance las vegas, NV – Once we plan to buy or even own a new car and we happen to be the residence of Las Vegas, Nevada (NV), at the same time, we have to plan to purchase auto insurance Las Vegas, NV. The main reason for this is the requirement of the State of Nevada for each driver to carry at least the minimum requirement of car insurance.
How much is it? Is minimum requirement enough to make us protected? Let’s learn some facts related to car insurance in Las Vegas.
Facts of Las Vegas and Minimum Requirements
Insurance rates are affected by several factors and insurance companies do realize them. Companies highly regard the distance for a driver to commute and the frequency of fatal car accidents in Las Vegas including the car theft rate. The data show that Las Vegas has quite frequent accidents with high car theft rate for some types of car.
No wonder that the law of Nevada requires each driver to carry the minimum requirements that consist of $15,000 per person and $30,000 per accident of bodily injury liability and also $10,000 per accident of property damage coverage.
Seeing the data above, we can conclude that carrying the minimum requirement of auto insurance Las Vegas, NV is not enough. Aside it gives protection to the third party when we are at fault in an accident; the medical bills are skyrocketing across the country.
Not to mention, Nevada applies Tort System that means the “at fault” driver has to cover all medical bills and damages triggered by the accident. That’s why we need to increase the limit. Higher but it has to be still affordable to us.
What Protects Our Bodily Injury and Car Damage ?
Of course, we have to think about who will cover our injury and damaged car when we have an accident. Well, if we just carry minimum requirement, we have to pay them from our bank account. Fortunately, auto insurance Las Vegas, NV has another type of coverage.
There is comprehensive/collision coverage to protect our car. It is not mandatory but will be useful for us. There is also personal injury protection that covers our medical bills when we get injured. Underinsured/uninsured coverage is an option when the third party does not carry sufficient coverage or even not carry auto insurance.
The apparent consequent of raising the limit of minimum liability and adding another type of coverage is higher insurance premiums. However, auto insurance Las Vegas, NV can be reduced. The following methods are the more details.
Know the Factors and Reduce the Insurance Rates
The way to reduce the rates is by controlling the factors that affect the insurance rates. Our age and gender are fixed price, but of course, we have our control towards our driving history.
By consistently driving safely on the streets and avoiding car accidents for at least three years, the insurance rates will be reduced. Drinking alcohol while we are driving on our car is a big mistake. We will spend around ten years to clean up our driving record.
The rates of auto insurance Las Vegas, NV will be a lot lower if we have a car that is regarded to be safer from car accident and less risky to get stolen. We obviously will not buy a sport car if we want the insurance rates keep lower.
We often drive on our car wherever we go, so don’t wonder that the insurance rate is higher. We put ourselves in a greater chance for accident. That’s why we need to only drive for important matters.
When shopping our auto insurance Las Vegas, NV, be sure we get a policy with affordable rates. As long as we meet those factors and get discounts, we surely get this.