It can be difficult to buy auto insurance in Las Vegas because of the high number of vehicles that are on the road due to the city's nightlife and tourism. The increased risk of accidents can lead to higher car insurance premiums. There are many ways to keep your auto insurance rates low and get a good deal in Las Vegas.
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The cost of auto insurance in Nevada can vary greatly depending on a number of factors, including the type of vehicle you drive and your driving history. Most drivers will find that they can get the best car insurance rates in Las Vegas by shopping around and comparing quotes.
A higher deductible and/or higher levels coverage can also help drivers save money.
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The state of Nevada requires all drivers to have liability coverage that covers $25,000 in bodily injury per person and $50,000 in bodily injury per accident, as well as $20,000 in property damage. It is also required that all drivers carry uninsured motorist coverage.
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A driver's past driving record can make a big difference on your rates. Insurance companies will charge you less if you have a good driving record.
If you've had a recent ticket or received a citation for speeding, you may see your rates rise by as much as 68% after your conviction. Insurers also raise rates after a DUI, which is one of the most dangerous types of traffic violations and risks the lives of other drivers on the road.
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Most common coverage is minimum liability, which meets all state requirements. Collision and comprehensive coverage are also common options. These can protect your vehicle from damage caused by an accident or another event.
Full coverage auto insurance at the lowest price
Las Vegas averages $277 for full-coverage automobile insurance, which is considerably less than the $511 statewide. State Farm has the best full-coverage insurance policy deals.
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Your car insurance premiums can be significantly affected by how much protection you choose. Some drivers choose to only carry the minimum level of coverage, which is often enough to cover the costs of repairs and replacements. Others choose to purchase a more comprehensive package, which may include uninsured motor vehicle coverage or rental reimbursement.
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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.