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Your auto insurance needs are unique, and your policy should be also. Knowing the right questions to ask your auto insurance agent as you’re building a policy can help ensure that you get great coverage at a great price.
To determine your premium, your auto insurance company uses a complex algorithm that takes countless factors into consideration. Some of those factors are obviously related to driving, such as how many speeding tickets you’ve had and when you received your last one, the age and type of vehicle you drive, and how many insurance claims you’ve filed in the past.
An auto insurance deductible is the amount that you pay out of pocket for damages to your vehicle before your auto insurance company covers any accident-related expenses. Different auto insurance companies offer different deductibles, which customers select when they’re signing up for an auto insurance policy.
While auto insurance can be pricey, Nevada Insurance Enrollment can help you find the right balance between great insurance coverage and an affordable auto insurance premium. Understanding the options available to you, what coverage you’re required to carry, and evaluating your exposure to risk are good first steps.
Auto insurance coverage can be confusing, largely because insurance laws and requirements vary greatly from one state to another. As a Nevada driver, you’re required to carry liability insurance in the amounts of 25/50/20 (learn more about state minimum coverage here). However, in states like Arizona where coverage runs cheaper, state minimum coverage is a little skimpier.
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Bodily injury liability auto insurance is comprised of two parts, which are generally written like 25/50 or $25,000/$50,000. The first number states how much your auto insurance will pay out for bodily injury to a single person, while the second number tells you the limit your insurance will pay out for multiple people.
Property damage liability insurance, required in Nevada, keeps you from having to pay for damages that result from an accident that you caused. This insurance pays to repair or replace the vehicle that you hit, and can also take care of the repair or replacement costs of any personal belongings.
In April of 2017, the Nevada Senate approved a bill that will nearly double the minimum liability coverage limits. Beginning on July 1, 2018, drivers will be required to carry at least $25,000 in bodily injury liability, $50,000 in bodily injury liability per accident, and $20,000 in property damage liability.
Med Pay is a great benefit to be added to your auto insurance policy. Med Pay is usually available in lower sums, like $1000, $5000, etc., regardless of who’s at fault in an accident. Med Pay can be used to pay for some of you and your passengers’ health insurance related costs.