If you’ve just moved to the state or now need to obtain a car insurance policy here, you’re probably going to want to know the best auto insurance companies in Nevada.
According to the Nevada Department of Motor Vehicles, insurance requirements in the state mean that vehicle owners need to carry minimum automobile liability insurance policies in the following amounts of coverage: $15,000 for bodily injury or death of one person in an accident; $30,000 for bodily injury or death of two or more persons in any one accident; and $10,000 for injury to or destruction of property of others in any one accident. The coverage must be validated by an automobile insurance company licensed to do business in the state of Nevada.
So, how do you find the best auto insurance companies in Nevada? One resource that should prove invaluable to you in terms of rate comparisons is the Nevada 2010 Consumer’s Guide to Auto Insurance Rates. This PDF document has a wealth of information on buying automobile insurance in the state, smart shopping, getting price quotes, and, more importantly, shows some sample rate comparisons that can help you determine roughly where your premiums may fall.
But the best auto insurance companies do more than just provide competitive rates. They also rate high on customer satisfaction with respect to how they handle claims, their interaction with the customer, billing, payment options, types of discounts, even the ease of navigating their websites.
It’s always a good idea to go with national insurance carriers, those that have high ratings from A.M. Best, have been in business for decades, and have high customer satisfaction ratings. Some of these highly-rated companies, licensed to do business in the state of Nevada, include: Allstate, American Family Mutual, Amica, GEICO, Mercury, Nationwide, Progressive, Safeco, State Farm, and Liberty Mutual, among others.
Learn about Allstate auto insurance coverage at their website which provides an overview of Allstate auto coverage, lists the number of different discounts available, insurance coverage by state, limits and deductibles, as well as a variety of tools, resources and articles that may help you determine if an Allstate auto insurance policy is right for your needs.
Reviewing the State Farm website, you can see that the company offers a number of discounts for Nevada residents, many of which can save you a great deal in annual premiums. But more than just discounts, you need to look closely at how State Farm can help you meet your auto insurance needs.
GEICO has a number of different discounts which may be applicable to your situation, including multi-car, multi-policy, partnering organization, good student, driver’s ed, defensive driving, safe driver, certain vehicle equipment, and more.
Progressive offers what their website says are “dozens” of discounts, including mileage, students, coverage choices, multi-car insurance, homeowners, and more.
The point is that all the major nationwide auto insurance companies have their selling advantages. What works best for you involves doing a little legwork and comparing what each has to offer, as well as what you want and need.