How are you planning on getting to Reno? If you’re driving, it’s important to make sure that your car is insured. Nevada requires all drivers who live in the state or visit for more than 30 days to purchase a minimum of liability insurance. This blog post will cover 4 steps of how to purchase Nevada car insurance!
Gather Information
Before shopping for car insurance in Nevada, you’ll need to know your car’s make, model, and year. You should also have the following information on hand:
- Facts about the car, including your driver license number, name, birth date, and address
- Your license information
- Information about the car, including the model, make, identification number, annual driven mileage, and current odometer reading.
- The name of each insurance company you wish to receive a quote from
- The car’s driving history, including drivers who have driven it, tickets, and other violations.
- How much money in claims you’ve filed over the last five years
- Whether or not any cars you’ve owned or co-signed for has been insured
Determine Your Coverage Needs
When you compare quotes, you’ll need to figure out what coverage level is best for your needs. You can choose from the following:
Bodily Injury Liability – This type of insurance covers injuries and deaths as a result of an accident that’s caused by your car
Property Damage Liability – With this option, you’ll be covered if damage or loss is caused to another vehicle, property, or the other party’s injuries.
Uninsured Motorist Bodily Injury – This type of coverage covers you if you’re involved in an accident with a driver who doesn’t have insurance
Under-Insured Motorist Bodily Injury – If this option is purchased and someone without insurance damages your car, then this option will cover you
Comprehensive – This insurance covers damage to your car, not caused by accident. Usually, it includes theft and vandalism, fire and natural disasters such as hail or flooding, and damages from hitting a deer.
Collision – With collision coverage on your policy, the insurer will pay for repairs after an un-at-fault accident.
You can pick from these options depending on the scope of the coverage you need.
Choose How to Shop for Coverage in Reno
There are many ways to shop for Nevada car insurance. If you prefer, visit a provider in person and fill out an application face-to-face. You can also use the phone or Internet – both offer quotes instantly
You should compare at least three different types of coverage and price options before choosing one that’s right for you.
You have three options to shop for coverage, including getting auto insurance cover direct from the insurer, getting it from a captive agent, or purchasing your cover from a broker or independent agent.
Buy your New Policy and Cancel the Pre-existing One
Once you’ve purchased your new policy, contact the previous insurer and cancel the old one. Make sure to keep a copy of your proof of insurance in case you need it for anything! You might get discounted offers if you pay upfront.
Take these steps when shopping for car insurance before taking a trip to Reno: Gather all information about car make, model, and year; determine what coverage is best for your needs; choose how to shop, whether in person, online or over the phone.