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Nevada Car Insurance
Nevada Drivers and Insurance Requirements
In the State of Nevada, anyone who is planning on driving a vehicle must have liability insurance in the minimum amounts of $15,000 for the bodily injury or death of one person due to an accident, $30,000 for bodily injury or death of two or more people in one accident, and $10,000 for property damage. Additionally, drivers are required to carry a Nevada car insurance policy that is registered with the Division of Insurance. Nevada drivers must also carry what is called "proof of financial responsibility" that can prove they have a valid insurance policy that can pay for damages in the event of an accident. The State of Nevada also has a Nevada auto insurance verification program, which is a way to identify uninsured vehicles. Individuals that are suspected of driving an uninsured vehicle will be sent a request from the State of Nevada that they must respond to within 20 days. If the driver does not file a proper response within that time frame, their vehicle registration will be suspended and the owner will be required to reinstate their license plates or surrender them.
Underinsured and uninsured motorist coverage is not a requirement in Nevada, and this is due to the fact that they are a Tort state. The state of Nevada allows policy holders to exclude members of their household from their policy. They can request that their insurance agent draw up a policy excluding certain members, and if these specific household members drive the vehicle and are in any type of accident, the insurance company is not liable for the costs of damages. Nevada is the ninth most expensive state in the nation regarding auto insurance premiums. In 2006, their annual average was $1,006.
Insurance Ratings and Carriers
There are several insurance carriers that offer Nevada cheap auto insurance plans that are affordable for various budgets. Individuals looking to purchase insurance can view Nevada car insurance ratings online, and they can also obtain free Nevada car insurance quotes from their local insurance carriers. Amica Mutual Insurance has a 4.88 star rating in the category of financial strength, and a five-star rating in the area of customer satisfaction. State Farm Insurance also received a five-star rating in the area of customer satisfaction and a 4.71 rating in the category of financial strength. By doing some research into Nevada auto insurance ratings and reading reviews, customers can make an informed decision when choosing an insurance carrier.
Seat Belt Usage
Nevada has had an increase in drivers and passengers wearing seatbelts. In 2011, their reported seat belt use was at 94%, and serious injuries declined by 84, and the number of fatal crashes among younger drivers dropped by 13. These statistics prove without a doubt that seat belts save lives and prevent serious injuries. The Nevada Department of Transportation has a goal of "Zero Fatalities Nevada" which promotes seat belt usage as well as impaired driving and pedestrian safety. Nevada requires all drivers and passengers to wear seatbelts when traveling on public roads, and this is a secondary law, which means a driver can not be pulled over if the only reason is that they are not wearing a seatbelt. If the driver is pulled over for another violation, they can be cited for the seat belt law at that time.
Roads and Road Conditions
Nevada is a state with city streets and freeways as well as rural areas and mountain roads. Weather issues like snow can affect the mountain areas, and rain can affect the city streets and freeways. Road construction can also cause traffic jams that can sometimes lead to accidents and collisions. The State Of Nevada website offers a section called Safe Travel USA that advises drivers on various conditions of the roads as well as closures and weather conditions. Nevada drivers and travelers that are on their way into Nevada can access this page and learn what driving conditions they may be facing on any particular day. This page helps Nevada drivers avoid certain areas and change their routes if needed.
Auto theft in Nevada has been slowly declining since 1994, but they are still considered a state with a high amount of thefts. In 2008, it is reported that 16,000 motor vehicles were stolen, which was higher than the national figure. Most of the individuals arrested in Nevada for auto theft were men over the age of 18. A large percent of vehicles stolen in Nevada have been recovered. The top reasons for auto theft in Nevada are transportation, joyriding, and theft for resale. In today's economy, auto theft is also committed by individuals that have fallen on hard times and have turned to crime in order to survive. It is important for vehicle owners to do whatever they can to protect their property.
Most Stolen Vehicles In Nevada
Auto theft is a big business for professional criminals, as they can resell the vehicles or salvage them for materials. The addition of an anti theft device or car alarm system can help deter vehicle thieves, and there are low cost options like The Club that are affordable for all budgets. The top ten most stolen vehicles in Nevada are listed below:
1. 1992 Honda Accord
2. 1995 Honda Civic
3. 1990 Toyota Camry
4. 2005 Dodge Ram Pickup
5. 1994 Nissan Sentra
6. 2006 Nissan Altima
7. 2006 Ford F 150 Pickup
8. 1994 Saturn SI
9. 1995 Acura Integra
10.2001 Chevrolet Extended Cab Pickup
Purchasing Nevada Auto Insurance
Liability insurance is required at the minimum level for all Nevada drivers, and there are low cost options and Nevada cheap car insurance plans that work well for individuals who are on a tight budget. Nevada auto insurance quotes can be obtained online, and Nevada residents can also work with a skilled auto insurance specialist in order to find a plan that will suit their driving as well as financial needs. An insurance agent can assist with drawing up specific policies, and they can also explain the specifics and fine print of the auto insurance policy. The cost of the premium will be based on factors like age, driving record, gender, and make and model of the vehicle. Nevada car insurance agents can be trusted to find the most reasonable and reliable policies for their clients.