If you want to know how to get cheap auto insurance in Nevada, we’ve got some answers. But you will still have to do your own research and legwork. There’s no getting around that. Since the goal is less expensive auto insurance in the state of Nevada, the effort you put into it will be more than worth your time.

One resource that should prove invaluable to you 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.

Of course, there are many different factors that are taken into consideration by auto insurers when calculating the rate you’ll be charged. But the actual cost boils down to two things: underwriting and rating. During the application process, you are asked a number of questions to assess the expected cost of insuring the driver and make the determination whether they will insure you (underwriting). Rating is the determination of premium based on the driver, the automobile to be insured, and the amount and type of coverage selected.

Check Rate Comparisons

In the consumer guide, rate comparisons are given for two vehicles, a 2007 Toyota Camry  LE, four-cylinder, 2.4-liter I4-engine, automatic transmission, front-wheel drive, four door; and a 2010 Honda CR-V EX-L, four-cylinder, 2.4-liter I4-engine, four-wheel drive, four door. Two option liabilities were used: $15,000 per person/$30,000 per accident bodily injury liability/$10,000 per accident property damage liability (known as 15/30/10); and $100,000 per person/$300,000 per accident property damage liability/$50,000 per accident property damage liability (known as 100/300/50).

Sample six-month premiums are quoted from 30 auto insurance companies licensed to provide insurance in Nevada for various scenarios: a 17-year old single male, one ticket in past 12 months, “C” average student, drives 10 miles round-trip to school, annual mileage 2,900, rates on father’s policy, multi-car discount applies; a 24-year old single female, one at-fault accident in the past 12 months (under $1,000), good student at college, drives less than 10,000 miles per year; a 30-year old divorced female, clean driving record, drives less than 4,500 miles per year; a married couple, both 42 years old, clean drivers’ record, each drives less than 10 miles to work, annual mileage 12,000 on each car, multi-car discount applies; 45-year old single female, one DUI, first offense within past two years, drives 10 miles round-trip to work, annual mileage 4,500; and so on.

Cities in the rate comparisons are for Carson City, Elko, Fallon, Henderson, Las Vegas, North Las Vegas, Pahrump, Reno and Stateline.

Looking at the various scenarios will give you a good idea of the kind of rates you might be quoted. Then, again, each situation is different.

When you do apply for insurance, be sure to check with multiple companies. Give each of them the same information, so you’ll be better able to compare the rates you’re quoted. Ask for all the discounts for which you’re eligible, to further reduce your premium. Be a safe driver always. This is the best way to ensure that you’re getting the lowest rate possible.

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