Sometimes we forget that every state in the United States is unique and governed by different laws and regulations. This is especially true with regards to auto insurance.
For example California only requires 15,000/30,000/10,000 for their liability limits. Here in Nevada we are required to carry 25,000/50,000/20,000. In Utah they ask if you drink or not. There are actually three states that don’t require auto insurance; Virginia, New Hampshire and Mississippi. They offer the option of posting a bond instead. For a comprehensive guide to insurance here in Nevada download the Nevada Insurance Commissioner’s Guide to Auto Insurance Rates. http://doi.nv.gov/uploadedFiles/doinvgov/_public-documents/News-Notes/Auto_Guide.pdf
Shopping for auto insurance can be confusing and a bit overwhelming. We at Trenchant Insurance want you to be able to compare so you can proceed with confidence.
Information you need to have available:
· Names, dates of birth and driver’s license numbers for anyone over the age of 16 in the household.
· Driver history for everyone; this includes all accidents and tickets for the last 5 years.
· Vehicle year, make, model and VIN number for all vehicles being insured.
· The coverage limits you want or currently have.
Always make sure the insurance being quoted from one company to another is the same. After all, it doesn’t make sense to pay for Liability only when you want Liability, Comprehensive and Collision. Additionally, think about the value added part of your insurance. Dealing with an 800 number may be cheaper right now but having a trained and caring agent can save you time and money in the long term.
If you have any questions about what coverage you may need or what is offered please feel free to give us a call. We are open Monday through Friday from 9 AM to 5 PM.
Contributed by Victoria Sutherland, Licensed Insurance Agent