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
Cheap Car Insurance Quotes in Las Vegas Nevada
Reader’s Question:
How can I get cheap car insurance quote here in Las Vegas Nevada? I am new to the city and don’t know any insurance agents or anyone to refer me to an honest agent that can work with me and my young son on premiums.
Troy
Las Vegas NV
The surest way to get a cheap car insurance quote in Las Vegas is to just buy the minimum coverage mandated by your state law. Since you are from Nevada, the required coverage is 15/30/10 which means $15,000 of bodily injury liability for 1 person, $30,000 bodily injury liability for all people and $10,000 property damage liability.
Aside from that, there are a lot of ways to get cheap car insurance quote.
Age can affect your insurance quote. The age range of 25 to 69 years old gets the average to very low insurance rate. So if you are still a teenager, you might want to wait before you get a car.
Gender also has a say on your insurance quote. Girls are most likely to get car insurance premium as they are generally safe drivers compared to boys. So you are lucky if you are a girl as boys need to prove that they are reliable safe drivers. If you are a boy, then you might like to get a defensive driving class as you can get discounts for this.
Age and gender are something you have not much control. But do not worry, there are still other ways to get cheap car insurance quote.
- Get a modest and a bit old car as these types are generally quoted low insurance premium. Because for one, they are of average price as such they are cheaper to replace and repair. They are also not prone to being stolen.
- Have safety devices installed to your car like: airbag, anti-lock brakes, car alarm and others. Car insurance will give discounts if your car is packed with safety devices.
- If you can afford to pay one time your annual car insurance payment, then do so. This payment mode can give you savings.
- Plan your day-to-day route in a way that can give you a very low mileage. Low mileage is advantage when getting car insurance.
Most of all, drive safely. Aside from having a good driving record and no-claims insurance record, which can help in lowering your insurance premium, car accidents is just something not worth getting into even if you have a good car insurance coverage.
Las Vegas Teen Auto Insurance Rates With Speeding Ticket
Reader’s Question:
I am only 17 and I just got my license just last week. I received a speeding ticket for doing 55 in a 45 zone. How much are my insurance rates going to jump because of this violation and for how long? I got the reduced rate for attending driving school from my insurance company and I do have the good student discount. I live in Las Vegas Nevada.
Brad
Las Vegas, NV
Each insurance company handles insurance points differently. The car insurance company uses a point system under which assigns their individual values to each type of traffic infractions and accident claim. Chances are the insurance providers will not assign a higher rate for that minor traffic infraction. But, this violation may force your insurance carrier to remove any “safe driver” discount that applies to your insurance policy. The length of time that this violation will affect your insurance rate depends upon your insurance carrier. Some insurance companies verify the last 3 years of your motor vehicle report. Some use the last 5 years, and some even use the last 7 years.
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