Searching for the cheapest car insurance in Nevada is as simple as typing a search phrase into your Internet browser and filling out a simple online form requesting a free, hassle-free quote. Getting the cheapest car insurance rates in NV may not be so simple for some people. Drivers with DUIs or DWIs, teen drivers, new/inexperienced drivers and drivers under 25 fall into the high-risk category. Premiums for these drivers are rarely cheap, and for drivers with DUIs or DWIs, premiums can actually be quite costly. Even if you are high risk, you can find the cheapest car insurance in Nevada by understanding more about car insurance.

Even if you’re focused on just getting the cheapest car insurance in NV, you still need enough car insurance to drive legally. Motorists in Nevada must carry at least $15,000 of Bodily Injury Liability coverage per person up to $30,000 per accident, and at least $10,000 of Property Damage Liability coverage. Uninsured/Underinsured Motorist Bodily Injury coverage is not required by law, but you may wish to consider buying it because having the cheapest car insurance in Nevada shouldn’t mean not having enough. Nevada also follows a Tort system for car insurance, which means that somebody must be found at fault for causing an accident, and such person and his insurer is held responsible for all damages. If you are found at fault for an accident, you want to have enough car insurance to cover it.

Even drivers with good records can end up paying more for insurance. Buying a new sports car instead of an SUV or sedan will cost you a much higher premium. Living in or regularly parking your vehicle in a high-crime area will also reduce your chances of lower premiums. Living in a big city like Las Vegas will cost you more for insurance than if you lived in a rural area like Elko County, where the chances of your being in an accident is much lower. Insurance companies rate policies using other criteria, such as the purpose of your vehicle and how often it is used. Searching for the cheapest car insurance rates in NV is more than just choosing the lowest quote from your shortlist of prospective insurance carriers.

Drivers who may be out of the running for the cheapest car insurance rates in Nevada may find a silver lining in the way of premium discounts for good driving habits, being a straight-A student if attending school, maintaining low mileage or insurance for a specified period of time, having anti-theft/safety devices on your car or having more than one vehicle. If saving money on insurance is the plan, you owe it to yourself to speak to an agent from each of the companies you’re considering. This gives you an opportunity to weigh each one in terms of customer service, types of coverages and money-saving discounts. Choosing not to speak with an agent can cost you more money on car insurance.