How Much Auto Insurance Should You Have?
Car accidents can happen in the blink of an eye, and auto insurance is there to ensure that whether you’re responsible for a collision or you were hit by another driver, you won’t have financial hardship on top of the stress of the accident itself.
If you operate a vehicle in Nevada, you MUST have auto insurance and you MUST meet the state’s minimum coverage requirements; on that point, there’s no wiggle room. You’re a good driver, though, so is state minimum coverage enough? First of all, even if frugality is the name of the game, your insurance policy is not the place to cut corners.
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Minimum Coverage 25/50/20
Crunch the Numbers, Is It Really Worth It?
Consider this: you can be the safest driver on the road, but if a particularly aggressive driver swerves in front of you, causing you to hit them, you’ll likely be considered the “at-fault driver.” Unless you have solid proof that their recklessness was to blame for the collision, you’ll be on the line for funding any repairs for their vehicle and yours. This also includes their medical bills, lost wages, and any other accident-related cost.
If you carry minimum coverage, then you may end up paying thousands of dollars out of your own pocket. And just like that, your cheap, “bare minimum” insurance is looking higher than expected.
So, how much insurance coverage do you need? Generally speaking, unless you have enough money to replace both your vehicle and someone else’s, without changing your standard of living, it’s recommended to carry as much insurance as you can afford.
Deciding How Much Auto Insurance You Need
While auto insurance can be pricey, Nevada Insurance Enrollment can help you find the right balance between great coverage and a premium that you can afford. Understanding the coverage options available to you, knowing what coverage you’re required to carry and evaluating your exposure to risk are good first steps to take in determining how much auto insurance coverage is right for you.
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Understanding Coverage Options
The term “auto insurance” doesn’t refer to a single product; auto insurance is actually made up of several different types of coverage, and each type has its unique benefits and limitations.
In Nevada, before you can legally register a vehicle, you must purchase liability auto insurance. This type of insurance covers damages incurred by the other driver if you’re at fault for a collision. State law requires that automobile liability insurance policies carry minimum coverage of $25,000 for bodily injury for one person per accident, $50,000 for bodily injury of two or more people per accident and $20,000 for property damage of the other driver.
While liability insurance is all that state law requires you to carry, there are several other types of insurance that you may consider carrying to cover damage that you sustain in an accident, whether or not you’re the at-fault driver. Other types of auto insurance coverage including comprehensive, collision, uninsured/underinsured motorist, and personal injury protection. Your Nevada Insurance Enrollment insurance agent can review your options with you.
Knowing What Auto Insurance You’re Required to Have
Nevada drivers are required to carry the state minimum coverage of 25/50/20, but some drivers may be required to carry even more than that. Oftentimes, drivers who lease or finance a vehicle may be required to carry comprehensive and collision coverage. This helps to ensure that the vehicle is kept in good condition, thus protecting the interests of the lender or leasing company. This information is generally found in the loan or lease contract.
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Does Auto Insurance Cover Riots?
No one wants to be victims of property damage resulting from rioting, and fortunately, auto insurance companies already have provisions for this risk in their coverage options. In fact, there is no need to purchase separate riot, vandalism and civil commotion coverage; if you have comprehensive auto insurance, you most likely have this coverage.
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Various Tips to Protect and Maintain Your Car
According to Live Science, after being parked in the sun on a 95-degree day for an hour, the inside of a car hits an average of 116 degrees. The dashboard gets even hotter at 157 degrees, the surface of the steering wheel reaches an average of 127 degrees and the seats are a searing 123 degrees on average.
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Why You Should Avoid a Lapse in Auto Insurance Coverage
n Nevada, auto insurance companies notify the Department of Motor Vehicles when you drop your auto insurance policy. If you have a lapse in your auto insurance coverage, even 1 day, it will be noted on your driving record. When this happens, you may be faced with a $250 dollar fine that will go up over time, and you can have your license suspended until you have auto insurance coverage again.
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Auto Insurance Quotes
2). Online Quote
3). In Person
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Evaluating Your Exposure to Risk
Your Nevada Insurance Enrollment insurance agent takes into account several different factors when helping you determine how much auto insurance coverage you need. Some factors include: how much you drive, where you park your car at night, whether you drive for personal reasons or business and who else may drive your vehicle. These are just some of the factors that affect how much auto insurance you need.
Suggested Reading:
Articles about the additional coverage options available (plus add-ons) in more detail.
- How Much Auto Insurance Coverage Do I Need?
- Building the Best Auto Insurance Policy
- Comprehensive vs. Collision: What’s the Difference?
- Auto Insurance Liability Coverage: What Does It Cover?
- What is Full Coverage Auto Insurance?
- Adding Uninsured Underinsured Motorist to Your Policy
- What is Gap Insurance?
- What is Umbrella Insurance?
- Windshield – Glass Coverage
- Does Towing and Roadside Assistance Impact Insurance Premium?
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Let Nevada Insurance Enrollment Help You With Coverage
By carrying the right amount of auto insurance, you can ensure that if the unexpected happens, your bank account won’t bear the burden. At Nevada Insurance Enrollment, we specialize in ensuring that drivers have the coverage they need.
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Read More: Nevada Auto Insurance
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When it comes time to renew your auto insurance, do you simply stay with the insurer that you’ve known and trusted for years? For some, this works out fine. For many, however, this is a costly mistake. If it’s been a while since you’ve shopped around for auto insurance, you could be throwing hundreds of dollars away.
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For many, auto insurance is a significant monthly expense. In some cases, you may be tempted to get rid of the payment entirely by foregoing auto insurance coverage. However, doing so can have some serious negative consequences.
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