How to Find Cheaper Auto Insurance in Nevada?

Answer 1

Nevada is a tort state, and this means that drivers can sue another person that hits them and causes injuries to them or damages to their property. To prepare for this eventuality, people need to have liability insurance. This coverage is what will pay the bills of the people that are injured or have property damaged. The fact is that this coverage is also mandatory in the state of Nevada.

Only Purchase the Required Liability Coverage

Nevadans who want to find cheaper auto insurance can opt to keep their coverage to a minimum. Drivers do this by only purchasing the type of auto insurance that is required in Nevada, bodily injury liability and property damage liability. Auto insurance companies also sell optional coverage that is not required that will pay their own bills if they cause a collision, but purchasing this coverage will increase their rates.

Only Purchase Liability Coverage in the Required Amounts

When Nevadans do purchase their liability coverage, they will want to purchase it only in the amounts that are required by the state. In this case, they would need bodily injury liability that would apply toward one person's medical bills in the amount of $15,000. If several people were hurt in the accident, Nevada requires that drivers have $30,000 bodily injury liability to cover everyone's medical bills. For property damaged in the crash, Nevadans need to have $10,000 to cover the repair or replacement bills.

Auto insurance companies give their clients the option of purchasing bodily injury and property damage liability coverage in higher amounts, but this will not keep their rates at their lowest levels. They will want to purchase the limits outlined above, and they will have cheaper auto insurance in Nevada.

Maintain a Good Driving Record

Finding cheaper auto insurance is much easier in Nevada if the drivers have good driving records. This would mean that they do not have any infractions on their records for DUI arrests or convictions, and they do not have several points on their records for moving violations. They also have not caused several accidents. These are the good drivers, and they are entitled to the cheapest auto insurance rates.