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The state of Nevada requires motorists to carry "15/30/10"
liability insurance. They must carry $15,000 liability insurance for bodily
injury coverage on one person in an accident, $30,000 liability insurance for
bodily injury coverage on two or more persons in an accident, and $10,000 to
cover property damage resulting from an accident. The state does not require
motorists to maintain comprehensive, collision, or no-fault coverage. Nevada auto insurance insurers
are required to offer motorists uninsured driver coverage at a rate not less than the minimum liability coverage. Uninsured motorist insurance covers only bodily injury; it does not cover property damage. Motorists are not required to accept uninsured motorist coverage.
Nevada car insurance rates change over the years, if you are not careful you could end up paying too much for your nevada auto insurance premium. Looking back, the average nevada auto insurance premium in 2000 was about $938, an increase of about 11.3% in just 3 years!
The average nevada auto insurance premium is $1,044 in 2003; the national average was at $914. Since most people think nevada auto insurance rates are fixed by state and nevada car insurance companies, they never shop around for better nevada car insurance rates. Our site helps you find the cheapest nevada automobile insurance rates and discounted prices available in Nevada, so average Nevadans can get a better-than-average low nevada auto insurance rate.
Nevada does allow a limited self-insurance option, generally applicable only to businesses and millionaires. Any person operating a fleet of more than 10
automobiles in Nevada has the option of self-insurance. The state requires those seeking self-insurance to post a bond according to the number of vehicles in the fleet: $40,000 for those operating up to 25 vehicles, all the way up to
$200,000 for those operating fleets of 750-1,000 vehicles. Taxicabs can seek
similar self insurance by posting $500,000 bonds.
Nevada allows nevada auto insurance insurers to calculate nevada auto insurance rates based on age, sex, and marital status; the area in which the car is garaged and operated; the amount of driving done, on average, and the purpose for which a vehicle is operated; credit history, on the basis of which a nevada auto insurance company may calculate possible loss due to unpaid premiums; and past driving record. Nevada has a demerit system; the higher the number of points on a driver's record, the higher the nevada auto insurance premium. Drivers may
receive a nevada auto insurance quote discount for operating vehicles with safety features such as daytime
running lights, airbags, and anti-lock breaks. Points are reduced or eliminated
after a year of safe driving or upon the completion of a safe driver's course,
although criminal convictions resulting from driving violations remain on a
driver's record. Also, points are not reduced automatically if the safe-driving
course is part of a plea-bargain agreement.
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