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How to Find Affordable Automobile Insurance in Nevada
This theoretically makes it possible to find affordable automobile insurance in Nevada, but before you opt to take out the least amount of coverage that Nevada law requires, you really need to ask yourself some tough questions.
For example, if your car is totaled in an accident can you afford to repair or replace it yourself?If not, you may want to consider adding collision coverage to your policy.
If you are at fault in an accident and another driver sues you for thousands of dollars in medical claims above and beyond what the minimum insurance coverage will pay, will you be able to pay that judgment out of your own pocket? If you have few assets which you could lose in lawsuit then you may feel comfortable taking out the minimum insurance coverage and taking your chances.
However, if you have assets that are important for you to protect, then it behooves you to look into additional coverage.
One way to keep costs down even if you do take out additional coverage is to increase your deductible.
Your deductible is the amount you will pay out of your own pocket to cover the cost of an accident, with the insurance company picking up the remainder.
The more you are willing to pay for an accident, the lower your monthly insurance premiums will be.
But whatever coverage you choose, you still want to get the best value for your premium dollar.
And that means comparing policies and prices at a number of different companies.
The best and the easiest way to do this is online.
Dozens of sites exist which allow for the instant head-to-head comparison of a variety of insurance companies and policies.
However, there are a few commonsense things you'll need to keep in mind when using any of these sites.
None of the sites will lie to you about rates and coverages.
However, that doesn't mean that they will provide you with the whole truth, either.
Each website is either owned by an insurance company or the site is sponsored by one or more insurance companies.
Obviously no site is going to make its sponsors look bad - not if it wants those sponsors to keep paying the bills.
The way to make your sponsor look good is to carefully pick and choose the companies that you will compare to your sponsor.
For the website this makes good business sense.
For you, as an insurance consumer, it's not quite so good.
In order to level out the playing field and give yourself the best shot at finding the most affordable coverage you can here in Nevada, you'll need to compare prices at several different sites that offer auto insurance price comparisons.
By checking the results at 3 to 5 different sites you should be able to find the most affordable auto insurance in Nevada that's just right for your needs.