Every state has their own rules and regulations about car insurance, and Nevada is no exception. Whether you live in Pahrump, Henderson, Las Vegas or anywhere else in the state, if you plan on driving, you need to know the facts about Nevada auto insurance. Once you know the rules and regulations, you can compare quotes online from an independent agency and find the right insurance coverage for you.
Liability insurance is required by the government of Nevada. The minimum amount of coverage required is $25,000 for each person for death or bodily injury up to $50,000 for each accident. The state also requires $20,000 for damage to property. These are the legal minimums that you need to drive in the state, but you might want to carry more. Particularly if you have a lot of assets that you need to protect from a possible lawsuit if you cause an accident. Drivers in Henderson, Las Vegas or Pahrump should use the legal minimum as a starting point, and then add more coverage as needed depending on their situation.
In addition to higher dollar amounts of coverage, drivers might want different types of coverage, too. For instance, to protect yourself from injuries or damage from an accident with an uninsured or underinsured driver, you would need uninsured or underinsured motorist coverage. To cover damages to your car in an accident that you cause, you would need a collision policy. To protect yourself from damages to your vehicle from vandalism, weather or theft, a comprehensive policy is the way to go.
No matter what type of policy you decide to get, the next trick is actually getting it. Rather than calling a dozen insurance agents, you can save a lot of time and effort by just going online and visiting an independent agent who allows you to compare quotes. This way you can find out exactly how much it would cost to get different types of coverage from different insurance companies.