6 Tips to Save on Dodge Ram 1500 Pickup Insurance in Nevada
Are you tired of not being able to afford each month for car insurance? You’re in the same situation as many other Nevada consumers. There are many car insurance companies to choose from, and although it’s a good thing to have a selection, it can be more difficult to adequately compare rates.
Auto Insurance Prices in Nevada
There are multiple methods to compare auto insurance prices but some are more efficient than others. You could spend your day discussing policy coverages with agents in your area, or you could save time and use the internet to get prices fast.
Most of the best insurance companies participate in an industry program that enables customers to complete one form, and every company provides a quote based on that information. This prevents consumers from doing form submissions to every company.
To fill out one form to compare multiple rates now click here to open in new window.
The one disadvantage to pricing coverage this way is you don’t know exactly the providers to get pricing from. If you would rather choose individual companies to request quotes from, we put together a list of auto insurance companies in Nevada. Click here for list of insurance companies in Nevada.
It’s up to you which method you use, but ensure you’re using apples-to-apples coverages on every quote. If each company quotes mixed coverages it’s not possible to determine the best price for your Dodge Ram 1500 Pickup.
Car insurance coverages for a Dodge Ram 1500 Pickup
Learning about specific coverages of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages found on most auto insurance policies.
Auto liability insurance
Liability insurance protects you from damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.
Liability coverage pays for things like structural damage, funeral expenses, repair costs for stationary objects and medical services. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford. Nevada requires minimum liability limits of 15,000/30,000/10,000 but you should consider buying more liability than the minimum.
Comprehensive insurance
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as rock chips in glass, a broken windshield, fire damage, falling objects and hitting a deer. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Collision coverage protection
Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as driving through your garage door, crashing into a ditch and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage pay for immediate expenses for doctor visits, nursing services, dental work, prosthetic devices and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM)
This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits (Nevada limits are 15/30/10), their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.
More sites with auto insurance information
Even more information is located at the Nevada Division of Insurance website. Consumers can read consumer alerts, view a list of available companies, view agent and company licensing information, and find out which companies have the most complaints.
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