Las Vegas Car Insurance Companies
Reader’s Question:
I just want to know if it is true that insurance rate is higher in the state of Nevada for drivers older than 60 years old? Which companies would be the best for me to get quotes from?
Cheska
Thank you for asking Cheska.
Some insurance companies charge higher rates for drivers who are over a certain age, such as 75 if state laws allow. The reason for this is that risk analysis and statistics show that reaction times, vision, etc is worse for elderly drivers. Since age is a factor for rating insurance rates that most states allow the age of the driver can cause rates to rise, some insurance providers will not insure any driver over 75.
Some insurance providers offer lower rates to those between 50 and 65 years of age. This group usually has lower accident rates. Typically, after age 65 rates begin rising again though and individuals over age 70 may have difficulty finding an insurance companies that will accept them since accidents for this age group tend to increase.
There are some car insurance companies that give driver discounts for drivers of a certain age with a good driving records or discounts to seniors who attend an approved driving course.
Goodluck!
MariCAR
Non Owner Auto Insurance in Las Vegas Nevada
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 Nevada? is this non owner insurance?
Aubrey
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.
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