Many of us that decide to take out that cheap car insurance option will, in the event of making a claim, feel let down by the insurance company somewhat. If you have you ever had to make a claim against your insurance then you may agree with what I’m saying – I bet some of you will have had to chase the insurance company to get things sorted out, alot of you will maybe have had a game of tug-of-war with the insurer about the costs of the claim, and I would risk a fair stack of chips (we are in Las Vegas after all!) on most having found it stressful.

In its annual report of 2008, The National Association of Insurance Commissioners report revealed that the average premium per vehicle in Nevada state was $1,137 annually, whilst passenger car insurance for the remaining states was significantly less at only $937 per vehicle.

While car insurance is a significant annual cost for most residents of the US, it is slightly more expensive for residents of Las Vegas and Nevada state as a whole, compared to the rest of the country on average.

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.

Bodily injury and property damage cover can be purchased as what is known as split-limit cover or combined single-limit cover. If you choose to pay for a combined single limit, then the figures for property damage and bodily injury are combined ie. $40,000 is the minimum (required under Nevada law) combined single limit for all property damage and bodily injury.

Comprehensive and collision cover are not required by law in the state of Nevada and is generally unavailable for some ie. young drivers who are of minimum age.

You are generally not required to carry medical payments but all insurance companies are required by law to offer you a medical payments liability cover of at least $1000 and uninsured/under-insured motorist cover at an amount equal to the bodily injury cover that you decide to purchase.

If you are planning on leasing a vehicle then you are advised to check the lease agreement since you will mostly be required to 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 required by the law in Nevada.

Teri lives in Las Vegas and is an insurance actuary. She writes at the las vegas car insurance guide where you can find more resources for car insurance in Nevada.

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