Because of Las Vegas's busy nightlife, and its high tourist traffic, it can be confusing to purchase auto insurance. Increasing the number of vehicles on the road can increase accident risk, and therefore car insurance rates. There are many ways to keep your auto insurance rates low and get a good deal in Las Vegas.
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Auto insurance rates in Nevada vary greatly depending upon a variety of factors. These include the type of car you drive, and your driving record. Many drivers can save money on car insurance by comparing rates.
Drivers can also lower their rates by choosing a higher deductible or selecting higher levels of coverage, which can help you save money on your insurance.
Cheapest car insurance in Nevada
Nevada law requires that all drivers have liability insurance coverage for bodily injuries up to $25,000 per person, $50,000 per accident and $20,000 property damage. It is also required that all drivers carry uninsured motorist coverage.
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A driver's previous driving record can affect your rates. You will be charged less for insurance if you are a good, safe driver.
If you've received a recent ticket for speeding (or received a citation), you could see a 68% increase in your insurance rate after you are convicted. DUI is also a major cause of increased insurance rates. It's one of most dangerous traffic violations, and it can put other drivers at risk.
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Minimum liability insurance is the most common type of coverage, as it meets state minimum requirements. You can also choose collision or comprehensive insurance to protect yourself from car damage as a result an accident.
Cheapest car insurance with full coverage
The average cost of full-coverage car insurance in Las Vegas is $277, which is significantly cheaper than the statewide average of $511. State Farm offers the best deals on full-coverage policies.
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The amount of protection you choose on your car insurance policy can significantly affect the price of your premium. Some drivers decide to only carry a minimum amount of insurance, which will often be enough to cover repair and replacement costs. Other drivers opt for a package with a wide range of additional protections like uninsured-motorist coverage and reimbursement for rental cars.
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Shopping around for policies with discounts can be beneficial if your driving record is good. Insurance companies often offer discounts for multiple vehicles and rewards for safe driving.