Insurance In Your State

Since the state's inception, the citizens of Nevada have been following this motto as they strive to do their patriotic duties. While purchasing car insurance may not feel like a patriotic action, because you are following Nevada's state laws, you will be doing your duty as a citizen, both of the state and of the country. But just because you need to buy car insurance doesn't mean you need to pay too much for it.

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The internet is one of the best places to go to seek your Nevada auto insurance. InsuranceAuto.org is a good tool to use while you are seeking your next insurance policy, because we allow you to shop for insurance policies using side by side comparisons, so you can quickly and easily see which insurance rates are the lowest for you and your particular situation. We have made it easy to get a quote from several companies at the same time. This allows you to choose a policy that with the amount of coverage you want at the lowest possible price. We choose only to work with reputable insurance companies that are known throughout the state, so you know that you will get reliable service while at the same time saving money on your auto insurance.

What do you stand to save by searching for your car insurance through our site? In 2003 the average consumer in Nevada paid $1,044 per year for their auto insurance premium, and the national average in 2003 was $914 per year. This was up 11.3% from the average cost in 2000, when on average Nevadans were paying $938 for their car insurance. Consumers who were no using the internet to shop for lower rates were seeing their insurance rates skyrocket during these three years. With the internet, however, these same consumers could have shopped for new, cheaper policies, rather than paying these incredibly high premiums.

Many consumers are mistaken when they think that these rates are fixed by the state and the insurance providers. Because of this mistake, many consumers do not take the time to find the best rates on their car insurance. InsuranceAuto.org is a tool you can use to find the best discounts currently available on car insurance in the state of Nevada. We want to allow all Nevadans to get the best possible rate on their car insurance policies.

Data from the Insurance Information Institute suggests that residents of Nevada spent an average of around $983 on insurance premiums in 2005. This represents a 4.7% increase from 2004, when residents were paying $939 on average. Leading up to 2005, however, Nevada residents had been experiencing yearly increases as high as 5.29% in some instances. In general, 2005 was the year when a majority of customers across the nation began to see their premiums decline. InsuranceAuto.org and other similar sites have had a huge role to play in sensitizing people about the advantage of technology in comparing rates before buying insurance.

All states have minimum insurance requirements for drivers, and Nevada is no exception. Nevada follows a Tort system for automobile accidents. This means that in order to be held liable for an accident, a driver must be first found to be at fault for the accident. If a driver is at fault, then that driver and his or her insurance company will be responsible for all damages that occurred as a result of the accident. Consumers need to check with their state insurance regulators to see what the specific laws are in their individual states. You can visit our State Insurance Regulators page to find a list of links to the state regulator websites for each state. This is the best place to go to understand your state's particular insurance requirements and Tort system.

In Nevada you must have a minimum Bodily Injury Liability coverage of $15,000 per injured person and a total of $30,000 per accident. Nevada state law also dictates that all Nevada drivers must have Property Damage Liability coverage with a minimum of $10,000 of coverage. These basic requirements are sometimes called 15/30/10 coverage. While these minimums are what state law requires of all drivers, there are many other coverage options that are a good idea for Nevada drivers. Also, Nevada drivers can purchase more coverage than these minimums if they desire.

Nevada's state minimum requirements are designed to protect other people and their property from damage caused by you and your car. These minimums do not cover any damage to you, your car, or your passengers. One option you may want to consider is Personal Injury Protection, or PIP. PIP covers "reasonable and necessary" medical bills for you and your passengers. If you or someone with you in the car is injured in an accident that you caused, PIP will pay for the medical treatment, in spite of the fact that the accident was your fault. This coverage is not required by state law, but is offered by most insurance providers in Nevada as an optional addition.

Another optional coverage option that you may want to consider is Uninsured/Underinsured Motorist coverage. This type of coverage will pay for injuries caused by an uninsured driver who is driving your car. Again, this coverage is not required by state law, but is an added coverage you can choose to protect yourself.

Whether you have a great driving record or have a few spots on your record, we can provide you with the best possible rates for auto insurance in Nevada. We believe that by having affordable rates, you will be able to purchase enough coverage to protect yourself, your property, and your loved ones. InsuranceAuto.org has the lowest insurance rates in Nevada all in one place. Residents of the Silver State know that we are the only site you need to visit to find a low premium on insurance from a reliable company. We give you the opportunity to compare rate from several companies side by side, so that you can find the most coverage at the lowest possible price.

Are you shopping for auto insurance in another state besides Nevada? InsuranceAuto.org is not just for Nevada residents. We are able to provide insurance quotes for residents of all 50 states. If you would like a quote for a different area, all you need to do is place your zip code in the box above. We will prepare your quote and show you how much you can save by shopping with our website. For more information on your particular state, please choose from the states listed below.