Reader’s Question:

My daughter is a first-time driver. How can I purchase affordable first-time driver insurance here in Nevada?

Martha

Las Vegas, NV

Martha, you have nothing to worry about. Because even though prices of first-time driver insurance are typically fairly high, you may be able to reduce the prices by following some useful tips.

It is not just there in Nevada that first-time driver insurance policies cost so much. It is actually normal all throughout the country. This is because first time drivers pose great risk on the roads. And in the case of your daughter, since I presume that she is a teenager, statistics prove that teenagers make more claims yearly due to involvement in vehicular accidents. This is the main reason why auto insurance companies would not cover first-time driver auto insurance for a very low price.

So, let us go now to the techniques on how to reduce first time driver auto insurance premiums.

If you have not bought your daughter her car yet, help her choose. Now, which vehicles to choose? Older and safer vehicles mean reduced risk, which in turn translates to lower premiums.

Also, since your kid is a girl, there are discounts available for female drivers because they are considered less risk on the road than male drivers. You might want to take advantage of the available discounts for this.

You might also consider taking advantage of your daughter’s good grades in school, if she does have good grades in school. Good grades in school show how responsible your daughter is and may be when it comes on the road. You are sure to get some discounts because of this.

Following these easy tips would bring you affordable first time driver insurance for your daughter. Good luck!

Tags: auto insurance premium, Female Car Insurance, First time driver car insurance, Student car insurance, teen insurance

Reader’s Question:

I heard that your auto insurance is higher if you reside in an apartment complex in Las Vegas? Is this true?

Ben

Las Vegas NV

Yes, it is possible that if you live in an apartment complex in Las Vegas Nevada, it may affect your car insurance rates. Insurance carrier’s rating systems and insurance guidelines vary. The state insurance laws govern what factors an insurance provider can rate a person using and then an insurance carriers have their own rating systems. Such factors include the garaged location of the car. Parking your vehicle in an apartment complex is a rating factor that your insurance carrier may use if your state laws permit and your insurance providers guidelines have it as part of their rating system.

Of those insurance carriers that do rate using the garaged location of your car, many find it a higher risk if you reside in an apartment complex. There are more automobiles in the specific area with parking area and roadways that may possibly increase the chance of a car insurance claim. Some think that the risk of vandalism and or theft is also higher since it is easy to access the vehicles. In most areas, such as towns or college the insurance carrier may show that there is a higher cases of accidents in an apartment complex that is inhabited primarily by inexperienced or younger motorist.

Tags: auto insurance, car insurance rate

Reader’s Question:

I have collision and comprehensive on my vehicle and last week my car was stolen in a different state, I am wondering if my vehicle will be covered in Las Vegas.

Lee

Las Vegas NV

If your vehicle was stolen, you may verify with the terms of your car insurance policy and information why your vehicle is out of state.

If you are just visiting out of state then normally yes, your car insurance will cover your stolen car under your comprehensive coverage. I suggest that you contact your car insurance carrier to make a car insurance claim and inform them that your vehicle was stolen while you were out of state.

Whatever the reason why your stolen vehicle is out of state, you still need to contact your car insurance carrier in Las Vegas Nevada to see if you could make a car insurance claim on the stolen car under your comprehensive coverage. The claim adjuster will be able to tell you if the car insurance claim will be accepted or denied.

Tags: auto insurance, comprehensive insurance coverage

Reader’s Question:

If I let someone operate my vehicle who does not have car insurance but I have full coverage would that person be covered under my car insurance policy in Sparks, Nevada?

Aubrey

Sparks, NV

Car insurance policies differ, especially the exclusions area, so it would be up to the specifics of your auto insurance policy if a person you loan your vehicle to will be covered or not by your current insurance policy.

Generally, most insurance policies will extend your insurance coverages to those that you give permission to drive your car but if that person resides in your household then normally they would have to be on the insurance policy to be covered and if you loan your vehicle out to a friend for an extended period of time or an individual who operates your vehicle on a regular basis they may need to be added to the insurance policy as an occasional driver.

Some auto insurance policies got exclusions for other drivers. The exclusions may only permit the listed drivers to be covered or more likely exclude motorists under a certain age.

To know exactly what coverages from your insurance policy would extend to anyone you permit to drive your car, read over the terms of your insurance policy and talk with your insurance carrier’s agent in Sparks, Nevada. They should be able to tell you what coverages extend to others that operate your vehicle and what would happen if another driver driving your car was in an accident. If your insurance coverages extend to other drivers then insurance claims would normally come through your insurance policy for an accident and therefore your future car insurance rates could be affected.

Tags: auto insurance

Reader’s Question:

I had a vehicular accident and it was not my fault and my car insurance in Las Vegas, NV had been cancelled. Can I still report auto insurance claim if it is less than a few days that it has been cancelled.

Meg

Las Vegas, NV

You could not place an insurance claim through your own insurance providers since your insurance policy in Las Vegas, NV was cancelled and therefore not in effect at the time of the incident. It does not matter if your car insurance policy was cancelled by a couple of hours, days or weeks, ago if your insurance was not valid at the time of the accident you would not be covered under your auto insurance policy. But you mentioned that the incident was not your fault so you may be able to put an insurance claim through the at-fault party’s insurance carrier.

You can put an insurance claim with the at-fault driver’s insurance company to check if they will accept it. Their insurance claims department should be contacted to put the insurance claim for the damages your car sustained in the accident.

Tags: auto insurance claims, car insurance, car insurance cost

Reader’s Question:

How long does an accident affect your insurance rates in Las Vegas Nevada?

Ray

Las Vegas, NV

As part of the rating system and to provide you an accurate Las Vegas quote for your insurance rate the Division of Insurance permits insurance carriers to request information on the description of your car, its use, your motorist license number, number and ages of motorist in your household, the coverage and limits you want and what tickets and accidents you have had in the last 3 to five years.

From this Division of Insurance information it would appear that insurance providers in Nevada can rate on accidents for a period of three to five years. The length of time that the accident will affect your insurance rates will likely depends on the type of accident you were in and your individual insurance provider’s rating system. You should be able to verify the rating system from your broker or from contacting the NV DOI since Las Vegas insurance companies file their rates with this state agency.

Reader’s Question:

I just moved in Las Vegas but I have a license in FL. Can I use that license to insure my car in NV?

Clifford

Thank you for asking Clifford.

Yes, you should be able to obtain and insure a vehicle in Las Vegas, Nevada with a Florida driver’s license but if you have moved to Nevada and plan on staying as a resident of this state then you will need to get a NV driver’s license.

The NV DMV states that a new Nevada residents must get their driver license within 30 days. If you brought a vehicle with you to NV you would need to get vehicle registration within 60 days. The fine for failing to register your vehicle is $250-$500.

Auto insurance must be issued by a Nevada-licensed carrier for a motor vehicle registered in state. Out of state insurance is not accepted. Minimum liability insurance requirement is $15,000/$30,000/$10,000. You must always keep a Nevada Insurance card in your vehicle at all times and present it to law enforcement upon request.

Goodluck!

MariCAR