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Nevada Car Insurance


Parts of Nevada have been the fastest growing regions of the country.  The housing boom brought thousands of new residents to many cities and towns in Nevada.  The increased density in population translates to higher premiums for car insurance in many of the larger cities.  Las Vegas boasted the highest rate of growth for any city in the country.  Aside from increased rates, the more dense population means more motorists and a higher risk of accident on the road.  Because of this risk, Nevada has specifically designed insurance regulations to help make the roads safer and protect those who travel on them.

Nevada law requires all drivers to be insured.  The legal requirements include fifteen thousand dollars in bodily injury protection for one person, thirty thousand for the entire incident.  This coverage pays the medical bills of the other party involved in the accident.  Nevada law also requires all drivers to have ten thousand dollars in property damage coverage.  Since Nevada is not a "no fault" state, the insurance of the driver who has been determined to be responsible for the accident covers the cost of the repairs and hospitalization.  Failure to have car insurance when involved in an accident will result in legal penalties. 

In Nevada, consumers are eligible for optional "Gap" coverage.  This is insurance that covers the difference between the maximum coverage benefit and the cost to replace a vehicle that has been determined irreparable. Gap insurance is not legally mandatory but it is recommended along with comprehensive collision coverage.  Some lenders in the state do require that both options are included if there is a lien on the title of the vehicle.  The lien holder reserves the right to purchase insurance for the buyer, at the buyers expense, if no coverage documentation has been presented to the lien holder.

Because many cities, like Las Vegas and Reno, have grown so much, car insurance rates are likely to be higher in the more densely populated areas.  For this reason, insurance seekers may wish to search for ways to reduce costs.  Some of these tips for rate reduction, like raising credit scores or living in more rural areas, can easily be found on the Internet.  Be a safe driver and obey state laws.
Notes: General info about the Nevada car insurance laws, rules, statistics. They can also make reference and comments about to the 10 largest cities in the state with demographics and statistics.




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Nevada Car Insurance

Although Las Vegas, Henderson, Paradise, Reno, and Sunrise Manor are the biggest cities in Nevada cheap car insurance rates vary from city to city and rates in Spring Valley may or may not be different than North Las Vegas. Whether you live in Sparks, Carson City, Pahrump or some other city in Nevada take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in Nevada.


 

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