Mountain Pacific Insurance

Car Insurance in Nevada

Car Insurance in Nevada, California, Arizona & Oregon

Mountain Pacific Insurance Services is an independent insurance agency located in Nevada & California. We provide high-quality insurance solutions to our communities in California & Nevada and to residents in Arizona & Oregon.

Car Insurance Nevada

Car Insurance in Nevada

What is car insurance?

Operating a vehicle comes with inherent risk, and drivers need to take each risk they face seriously. This most importantly requires safe driving habits, seat belts and other important precautions that minimize the likelihood of severe accidents. It also includes getting robust car insurance in case something happens when driving on Nevada’s roads.

Car insurance is an important safeguard for drivers, offering valuable protection for covered incidents on and off the road. Policies may protect a vehicle, its driver, and anyone else in an accident.

Car Insurance Nevada

Who in Nevada needs to have auto insurance?

Nevada state law generally requires that drivers have insurance at least meeting minimum requirements, and many drivers get more. Not having enough auto insurance can expose drivers to major risks.

The state’s minimum requirements are generally as follows: 

  • Bodily Injury or Death Coverage of $25,000 per person
  • Bodily Injury or Death Coverage of $50,000 per accident
  • Property Injury or Destruction Coverage of $20,000 per accident

Again, most drivers choose to purchase many more coverages and much higher limits than the state requires.

Auto policies typically encompass a range of coverages that together offer a broad spectrum of protections. These commonly include:

  • Bodily Injury Coverage: This may cover injuries suffered by individuals outside the insured vehicle.
  • Medical Payments Coverage: This may cover medical expenses related to injuries sustained by individuals inside the insured vehicle.
  • Personal Injury Protection (PIP): This may cover medical costs and other expenses arising from injuries to individuals inside the insured vehicle.
  • Property Damage Liability Coverage: This may cover damage inflicted on other vehicles or property.
  • Collision Coverage: This may cover damage to the insured vehicle resulting from multi-vehicle accidents.
  • Comprehensive Coverage: This may cover damage to the insured vehicle resulting from non-accident events.
  • Gap Coverage: This may cover the difference between a vehicle’s actual value and the remaining balance of a loan or lease on it.
  • Uninsured/Underinsured Motorist Coverage (UM): This may cover accidents caused by drivers lacking sufficient insurance.

Drivers who lease or finance their vehicles are often obligated to carry comprehensive, collision, and gap coverages, in addition to state-required coverages. These help ensure that a lease or loan can be paid off even if a vehicle is totaled.

Nevada is considered an at-fault state, which means that the driver responsible for an accident normally bears financial responsibility for the accident. This is sometimes referred to as a “tort” state.

While reducing coverages or lowering limits is the most straightforward approach, it normally isn’t recommended as doing so could result in insufficient protection if there’s an accident. Instead, there are other methods to save money without sacrificing protection.

First, many insurance companies offer a variety of discounts on their policies, including discounts for being a new customer, renewing a polciy, having multiple insurance policies, driving safely, and more.

Second, it’s easy to compare rates by comparing quotes with the aid of an independent insurance agent. An independent agent who specializes in auto insurance can help drivers assess their coverage needs. The agent can then request and compare custom quotes, to see what insurance company offers the required protections at the best possible price.

Mountain Pacific Insurance Agency

How can drivers get car insurance?

To find the right car insurance in Nevada, connect with the independent insurance agents at Mountain Pacific Insurance. Our agents have worked with many drivers, and we’re ready to help you find an affordable policy that’ll provide robust protection both on and off the road.

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