Each year, most of us who lawfully drive around the state of Nevada need to sort out our auto insurance renewal.

Have you ever had to make a claim on your car insurance? If you can answer yes to this question then I bet there is a good number of you that were disappointed with their auto insurer. Perhaps many of you will have had to do alot of the groundwork chasing the insurance company to get things done, some of you will probably have had to fight with your insurance company about the costs, and no doubt most of you will have found it stressful.

The National Association of Insurance Commissioners report for last year shows the average car insurance premium for Nevada against the rest of the country. The average annual premium in Nevada was $1,137 while car insurance for the rest of the country was noticeably less at only $937 per vehicle.

So car insurance is a bit more expensive for residents of Nevada state as a whole, compared to the rest of the country on average – thats interesting, maybe its our crime figures!

To secure both a good policy and also to get a good deal for their money, consumers must take care and purchase an auto insurance policy that makes sense and value for them. A good policy can be considered one that meets your minimum liability as a road user and also provides other levels of cover that you require without quibbles or problems from the insurance company should you need to make a claim.

Now, both bodily injury and property damage coverage (liability coverage) can be bought as split-limit coverage or combined single-limit cover. If you choose to purchase liability cover as a combined single limit, then the figures for bodily injury and property damage are combined ie. $40,000 is the combined single limit for all bodily injury and/or property damage, and this figure is the minimum combined single-limit cover allowable by the law of Nevada.

Comprehensive and collision cover are not strictly required by law in Las Vegas, under Nevada law but you may find that it is offered to you by your insurer. It is also not available in some cases where the condition of the vehicle or the age of the driver would prohibit the costs required ie. the person is of minimum age or the vehicle is almost worthless

Again, medical payments or uninsured/under-insured motorist cover are not strictly required under Nevada law, but all insurance companies are required to offer it to you by law with a level of cover of at least $1000 and uninsured/under-insured motorist cover at an amount equal to your bodily injury cover (this is to protect you in the event you have an accident with another party who is found at fault but does not have the minimum levels of cover required).

If you are planning to lease a car you are advised to check the lease agreement since they generally require that you have a liability cover of $100,000 per person, $300,000 per accident and possibly a damage cover over the lower limit of $10,000 that is required by the law in Nevada.

Teri is an insurance broker for a company in Las Vegas and specializes in finding suitable car insurance deals in Las Vegas and Nevada. You can find more tips and advice for finding your car insurance in Nevada at the insurance guide where Teri writes.

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