Consumer's Guide To Auto Insurance Rates

C O N S U M E R ’ S G U I D E T O

AUTO INSURANCE RATES

Scott J. Kipper

Commissioner

Joe Lombardo

Governor

Dr. Kristopher Sanchez

Director

2 0 2 4 E D I T I O N

C O N S U M E R ’ S G U I D E T O

AUTO INSURANCE RATES

Scott J. Kipper

Commissioner

Joe Lombardo

Governor

Dr. Kristopher Sanchez

Director

2 0 2 4 E D I T I O N

STATE OF NEVADA

JOE LOMBARDO

DR. KRISTOPHER SANCHEZ

Governor

Director

SCOTT J. KIPPER

Commissioner

DEPARTMENT OF BUSINESS AND INDUSTRY

DIVISION OF INSURANCE

Insurance Commissioner’s Message

Dear Fellow Nevadans,

I am pleased to present the Nevada Division of Insurance 2024 Consumer’s Guide to Automobile

Insurance Rates. This guide is intended to provide you with information when shopping for

insurance on your personal vehicles. I encourage all Nevadans to review options that are available

to ensure that you receive the best possible coverage for the best possible price.

Insurance carriers periodically apply for rate changes, which are reviewed by the Division of

Insurance.

If you experience higher rates, shopping for new insurance can potentially provide significant

savings.

This guide is designed to provide you with detailed information about Nevada auto insurance law,

insurance coverages, discounts that are offered and which you may be eligible for, and rating

factors carriers use to develop rates. I am hopeful that this information will enable you to become

a better educated insurance consumer and enable you to make sound decisions when purchasing

auto insurance.

The Nevada personal auto insurance market is very competitive, with well over 154 companies

offering personal auto insurance policies in the state. With so many options, I know it can be

overwhelming to shop for a new policy. I hope this guide will be helpful as you consider the

coverage that best suits your needs, including premium payment amounts, coverage levels and

services provided by each insurance carrier.

Sincerely,

Scott J. Kipper

Commissioner of Insurance

Carson City: 1818 E. College Parkway, Suite 103 Carson City, Nevada 89706 - Telephone (775) 687-0700 - Fax (775) 687-0797

Las Vegas: 3300 W. Sahara Avenue, Suite 275 Las Vegas, Nevada 89102 - Telephone (702) 486-4009 - Fax (702) 486-4007

DOI.NV.GOV

Nevada Consumer’s Guide to Auto Insurance Rates

About This Guide

Shopping for auto insurance is not easy. It takes time and effort and can be confusing. This booklet is

designed both to assist you in shopping for auto insurance and to help you understand your personal

auto policy. Since automobile insurance rates are based on each individual’s unique circumstances, it

is impossible in a booklet like this to list the various prices different companies would charge you for

automobile insurance. Instead, this booklet takes the approach of listing several hypothetical personal

circumstances as a context within which you may be able to get a reasonable idea of what various

insurance companies may charge you for insurance.

It is important to keep in mind that there are other factors to consider besides price when buying

insurance, such as the level of service provided. The premium prices in this booklet are based on data

supplied by the insurance companies listed. Your premium will vary depending on the coverage you

choose, your driving record, the type of vehicle you drive, your age and other information. You may

also choose to contact companies who are not listed in the rating examples provided.

Near the end of this booklet is an alphabetical list of all companies that wrote business for private

passenger personal automobile insurance in Nevada during 2023. Also, near the end of this booklet is

the Vehicle Insurance Shopping List, which may help you to compare several companies at one time.

How to Use This Guide

To use this booklet, select the example with circumstances that most closely resemble your own and

then choose a ZIP code location near you. The lowest premiums are designated in bold numbers, the

highest premiums by bold italic numbers. These examples are only intended to illustrate the

difference in premiums. Also, please note that some of the companies listed may only offer policies

to members of certain affinity groups or organizations. Again, your premium is likely to differ from

the amount stated, depending upon your varying risk factors as mentioned above. Lastly, if you are

viewing this guide electronically, notice that the table of contents is hyperlinked to direct you to

specific sections of the guide – just click on the topic you wish to review.

Check Before You Write a Check

The Nevada Division of Insurance urges you to “check before you write a check.” It is important to

verify that your auto policy is issued by a licensed and authorized Nevada insurance agent and

company. Be wary of people who attempt to sell phony auto insurance. If you purchase insurance from

an unlicensed or non-existent insurance company, you may not have coverage needed when a claim

arises. To verify that the insurance agent or company with whom you are dealing is indeed licensed

and authorized to offer insurance in Nevada, please visit our online “License Look-up Tool”

https://di.nv.gov/ins/f?p=licensing:search or you can call 888-872-3234.

We hope this booklet meets your needs. If we can assist you in any way, contact information for the

Nevada Division of Insurance can be found on the following page.

Contact Information

As the ultimate consumer protection agency on insurance issues, the Nevada Division of Insurance

exists to serve you. We can be a source of unbiased information and assistance to you. If you do

not understand any part of your insurance policy, please feel free to contact us.

If you have a complaint against an insurer, it is always best to contact your insurer first to attempt

to settle the matter. Most insurers have policyholder service officers to handle such questions. If

you still are not satisfied, contact the Nevada Division of Insurance, where a Consumer Services

representative will help you with your problem. Although they cannot represent you legally against

any insurer or adjuster, our Consumer Services representatives can appropriately investigate

potential violations of insurance law or regulations based upon your complaint.

Contact our Consumer Services section as follows:

Northern Nevada Southern Nevada

State of Nevada State of Nevada

Department of Business & Industry Department of Business & Industry

Division of Insurance Division of Insurance

1818 E. College Parkway., Suite 103 3300 W. Sahara Avenue, Suite 275

Carson City, Nevada 89706-7986 Las Vegas, Nevada 89102-3203

(775) 687-0700 (702) 486-4009

Toll-Free in Nevada: (888) 872-3234 Toll-Free in Nevada: (888) 872-3234

E-mail: cscc@doi.nv.gov

Nevada Division of Insurance on the Web

https://doi.nv.gov

Table of Contents

Introduction.................................................................................................................................................

The Need for Automobile Insurance .........................................................................................................5

Underwriting and Rating .........................................................................................................................

Discounts....................................................................................................................................................

Uninsured/Underinsured Motorist Coverage.........................................................................................

Price Quotes

...............................................................................................................................................

Rate Comparisons.....................................................................................................................................

An Auto Insurance Policy...........................................................................................................................6

Common Terms Related to Personal Automobile Insurance.................................................................. 7

Buying Automobile Insurance ...................................................................................................................9

Information Commonly Utilized by Insurers for Rating.......................................................................12

Credit-Based Insurance Scoring..............................................................................................................14

Exceptions for Extraordinary Life Events..............................................................................................14

Financial Responsibility ...........................................................................................................................17

Liability Insurance....................................................................................................................................18

Physical Damage Coverage ......................................................................................................................19

Other Optional Coverages........................................................................................................................20

Operator’s Policy ......................................................................................................................................22

Other Helpful Information.......................................................................................................................23

Smart Shopping.........................................................................................................................................24

Seek Unbiased Information......................................................................................................................24

For Your Protection.................................................................................................................................. 25

Payment of Insurance Premiums.............................................................................................................27

Mid-Term Cancellation of Your Policy .................................................................................................. 27

Frequently Asked Questions ....................................................................................................................28

Rating Examples .......................................................................................................................................31

List of Insurers Offering Auto Insurance in Nevada ............................................................................. 112

Vehicle Insurance Shopping List............................................................................................................. 114

Vehicle Accident Guide ............................................................................................................................ 115

Acknowledgements

Cover photo: Car driving on desert road near Las Vegas, Nevada courtesy of Getty Images

The Division of Insurance also would like to acknowledge the following insurance companies

for their participation and rate information, which is the backbone of this Auto Guide:

Allstate Fire & Casualty Insurance Company

American Access Casualty Company

American Family Connect Property & Casualty Ins.Co.

American Family Insurance Company

American National General Insurance Company

COUNTRY Preferred Insurance Company

CSAA General Insurance Company

Farmers Insurance Exchange

Garrison Property & Casualty Insurance Company

GEICO Secure Insurance Company

Hartford Insurance Company of The Midwest

Key Insurance Company

Liberty Mutual General Insurance Company

Mercury Casualty Company

Midvale Indemnity Company

Nevada Capital Insurance Company

Noblr Reciprocal Exchange

Progressive Direct Insurance Company

Progressive Northern Insurance Company

Root Insurance Company

Safeco Insurance Company of Illinois

State Farm Fire & Casualty Company

State Farm Mutual Auto Insurance Company

The Standard Fire Insurance Company

United Services Automobile Association

USAA Casualty Insurance Company

USAA General Indemnity Company

Introduction

Auto insurance is an expensive, but necessary, purchase for most Americans. This guide provides

information to consumers on how to make decisions that can lower the cost of their automobile

insurance and increase the value they receive.

A 2023 National Association of Insurance Commissioners (NAIC) report found the average

premium people paid for private passenger auto insurance in 2021 was $1,189.42 for each

vehicle insured for one year. Nevada, by comparison, had an average annual premium per vehicle

of $1,381.43.

It goes without saying that automobile insurance is an important purchase for

most consumers. To get the best buy for your money, you must take responsibility for

your auto insurance purchase and make your decisions wisely. Hopefully, this guide will give

you the tools you need to make this important decision.

The Need for Automobile Insurance

Auto insurance is an important purchase for most drivers. There are three main reasons to buy auto

insurance.

To comply with Nevada state laws: The State of Nevada has mandatory auto liability insurance

requirements, subject to minimum limits that are described later in this guide. If an automobile is

driven without insurance, the driver could be fined, and the vehicle could be impounded.

To satisfy lenders: If a vehicle owner has a car loan, most lenders require collision and

comprehensive coverages to protect their interest in the car. If the auto insurance lapses, the lender

will likely add insurance to the loan and insure the car for a much higher premium and much less

coverage than the policy purchased by the vehicle owner. The lender can require payment of this

higher premium until independent insurance is purchased by the vehicle owner.

To protect assets: Auto insurance can provide bodily injury and property damage liability

coverage for accidents which involve others and for which the driver is responsible. Liability

insurance will also pay the cost of an attorney to protect the driver if the driver is sued. It is

important to know that the amount that may be paid under the auto insurance policy is subject to

the policy limits selected for that policy.

Additional information is described later in this guide.

2023 National Association of Insurance Commissioners: 2021 Auto Insurance Database Report Supplement

An Auto Insurance Policy

An auto insurance policy issued by an insurance company will have several parts.

•

The declarations/information page includes the policy number, the effective dates, the

details of the cars covered on the policy, the lien holder (if there is a loan on the car), the

coverages, coverage limits, associated premium, risk classifications and any discounts or

surcharges. It is also going to list where the car is garaged and contact details for your

insurance company and agent. The declaration page may also contain information on any

traffic violations in the last 36 months that may have impacted the premium.

It is important to verify that all personal information, the type and amount of coverage, and

vehicle information (make, model, year, and manufacturer) are accurate. Any discrepancies

in this information can adversely affect the premium and should be communicated to the

insurance agent or the company immediately. If the declaration page has a list of discounts

applied towards calculation of the premium, it is important to review these discounts to

ensure that no applicable discounts are omitted.

•

The personal auto policy or policy form. This will be several pages long and will detail

in specific language what is covered, how those coverages are defined, the conditions of

the policy and if there are any exclusions. This may also include exception pages that

revise/change/modify the policy form. Some companies customize their policy forms to

match the coverages in a specific policy, while others list all available coverages. The

declarations/information page details which coverages were purchased.

Read the auto policy carefully to understand all coverages and exclusions. If there are

questions about the insurance policy, contact the insurance agent or company.

•

At least one copy of an insurance card should be included as proof of coverage. It is

important to keep this card in the car, as Nevada law requires the production of this card

when requested by law enforcement. Many insurers also offer an electronic version of the

insurance card which can be produced on a mobile device such as your smartphone when

requested by law enforcement.

Common Terms Related to Personal Automobile Insurance

The following terms are important to know when shopping for automobile insurance:

Bodily Injury/Property Damage Liability – Nevada law requires that you carry liability

insurance. These coverages protect you if you injure someone else or damage someone else’s

property while operating your vehicle. This coverage would pay damages on your behalf to the

injured party. To activate these coverages, you must be legally liable for the injuries or damages.

Collision – This coverage protects against damage to your vehicle resulting from a collision,

regardless of who is at fault. It provides for repair of the damage to your vehicle or a monetary

payment to indemnify you for your loss. If the other driver is at fault, your insurance company

may have a legal right to seek reimbursement from the other driver or the other driver’s insurance

company for payments made to you under this coverage.

Comprehensive – This insures you against theft or other damage to your vehicle resulting from

causes other than collision. This can include wind damage, falling objects, fire, flood and

vandalism.

Collision and comprehensive coverages are subject to a deductible that you, as the insured, would

select. Other coverages that may be sold include towing, rental/reimbursement and mechanical

breakdown.

Credit-Based Insurance Scores – A credit-based insurance score, sometimes known simply as

an insurance score, is a number, based on certain aspects of your credit history that is used by some

insurance companies to help determine your insurance premium.

The credit-based insurance score has no relationship to credit scores used by lenders (such as the

FICO credit score) that are typically used to evaluate the creditworthiness of a borrower. Many

insurers use their own methods to determine your credit-based insurance score, which means there

can be a wide variation in the impact of a credit-based insurance score on your premium from

insurer to insurer. Other insurers use credit-based insurance scoring models developed by third-

party vendors, such as Fair Isaac Corporation, LexisNexis and TransUnion.

Deductible – A deductible is a portion of a covered loss that is not paid by the insurer. The

deductible is subtracted from the amount the insurer would otherwise be obligated to pay you as

the insured. The deductible amount is selected by you. If all other policy and consumer attributes

are held constant, a higher premium is charged for a lower deductible and a lower premium

for a higher deductible.

Some insurers in Nevada offer a “vanishing deductible.” For each year you stay claim-free, the

insurer will reduce your deductible amount without increasing your premium- you will

pay a reduced deductible if a loss occurs in the future.

Diminution in Value – This refers to the possible reduced value of your vehicle as

measured before a loss to the vehicle and after the repair of that vehicle. The idea is, all other

things being equal, that a vehicle that has never been in an accident may, in some cases,

be considered more

valuable than a fully repaired vehicle. If your insurance policy provides for collision or

comprehensive coverage under which your vehicle is being repaired, the loss to your vehicle will

be measured by the language in the policy and may not include any diminution in value. For claims

against the negligent parties’ property damage liability policy, such loss of value may be

compensable under some circumstances.

Indemnify – To indemnify means to restore a party who has had a covered loss to the same

financial position that party held before the loss occurred.

Medical Payments – This coverage pays for reasonable and necessary medical expenses, without

regard to legal liability, resulting from accidental bodily injury while operating or occupying an

insured vehicle or being struck as a pedestrian by a motor vehicle. This “MedPay” coverage is

often purchased in nominal amounts, such as $1,000, to provide a means for quick payment of

minor medical bills without having to deal with the courts or other insurance companies. An

insurance company must offer this coverage because of Nevada Revised Statutes (NRS) 687B.145

(3), but you are not required by law to purchase this coverage.

Uninsured/Underinsured Motorist – This covers you, your resident relatives, and occupants in

your insured vehicle if you or they get injured in an accident in which the owner or operator of

another motor vehicle is legally liable and does not have insurance (uninsured) or does not have

enough insurance (underinsured) to pay all of your loss. Per NRS 687B.145 (2), your insurance

company must offer this coverage to you in an amount equal to your own liability limits. Higher or

lower amounts may also be offered. However, you do not have to accept the offer. This coverage

does not pay for damage to your motor vehicle.

Buying Automobile Insurance

When buying auto insurance, it is recommended that you seek advice from a qualified insurance

professional. There are three primary mechanisms for purchasing insurance: independent agents,

exclusive agents, and direct writers. Independent agents can offer insurance policies from multiple

unaffiliated insurers. Exclusive agents only sell insurance from the company or group of

companies with which they are affiliated. Direct writers are insurers that do not use agents as

intermediaries; rather, some of their employees are themselves licensed as agents in Nevada and

are authorized to sell insurance. Depending on your needs, some of these systems may be more

suitable for you than others. This booklet should be used as a tool to help you understand the

variables of the process and the value of insurance.

Bodily injury (BI) and property damage (PD) coverage (liability coverage) can be purchased as

split-limit coverage or as combined single-limit coverage. The two liability limits for bodily injury

and property damage shown in this booklet are for split-limit coverage of 25/50/20 ($25,000 per

person for bodily injury, $50,000 per accident for bodily injury, and $20,000 per accident for

property damage) and 100/300/50 ($100,000 per person for bodily injury, $300,000 per accident

for bodily injury, and $50,000 per accident for property damage). The current minimum limits of

liability required by Nevada law are 25/50/20. Please note, these minimum limits of liability

increased on July 1, 2018.

If you choose to purchase the liability coverage as a combined single limit, the liability limit for

bodily injury and property damage is combined (e.g.: $70,000 combined single limit – total amount

paid in the event of a loss for all bodily injury and/or property damage). The minimum combined

single limit increased to $70,000 on July 1, 2018.

Comprehensive and collision coverages are not required by Nevada law and, in certain cases,

because of the age or condition of the automobile, may not be available. However, if you borrowed

money to purchase your automobile, your lender typically requires you to carry this coverage until

the loan is paid. You are not required to purchase coverage for medical payments or

uninsured/underinsured motorist coverage, but all insurance companies are required by law to

offer you medical payments coverage of at least $1,000 and uninsured/underinsured motorist

coverage in an amount equal to your bodily injury coverage. Insurers may additionally offer

higher or lower amounts of uninsured/underinsured motorist coverage. If you plan to lease an

automobile, you should check your lease agreement to confirm insurance coverage required.

Generally, these agreements require that you carry liability coverage in the amount of $100,000

per person and $300,000 per accident and may require you to carry property damage coverage

in excess of the $20,000 limit required by Nevada law. In addition, a leasing company

generally requires physical damage coverage be purchased and may even limit the deductible

amount.

Underwriting and Rating

Two factors, underwriting and rating, govern what you will pay for auto insurance. These factors

analyze your characteristics and determine the risk that you present.

Underwriting – Insurance companies underwrite to assess the risk associated with an

applicant, group the applicant with other similar risks and decide whether the company will

accept the application.

Rating – Rating is the determination of premium based on several risk characteristics some

of which include the driver characteristics, household composition, driving record,

automobile characteristics, and selected amount/type of coverage.

When you apply for insurance, you will be asked a series of questions that assess the expected

cost of insuring you. This cost may be revised if the insurer is unable to verify the information

provided or if the insurer identifies new information.

Insurers want to know your past driving record and certain personal characteristics to group you

with other similar drivers. A rate for each group is set based on the historical claims paid by the

insurer for the people in that group. The higher the losses from a group, the higher the rate for that

group. Insurers review the claim history of your group to make projections about future claims.

Some of the characteristics used to determine your group are beyond your control, such as age and

gender. Other characteristics relating to lifestyle and income, such as your credit-based

insurance score, your geographic location and use of the vehicle, also can affect your premium.

You can control certain rating factors that impact the cost of your automobile insurance such as

the make and model of the vehicle you wish to own and insure. A vehicle with few safety devices

and a powerful engine carries a greater risk of high claims than a less sporty but safer model. As

a consumer, you have control over the decision to own a high-risk vehicle. Another group

of characteristics that is under your control is your driving record and claims history. Lack of

traffic violations and at-fault accidents will help lower your premium.

Insurers may also consider lifestyle characteristics, such as marital status, in the

underwriting process. From prior claims data, insurers’ statistics show that married persons tend

to have lower claim levels than unmarried persons. Under Nevada law, domestic partners are

treated as “married” for insurance rating purposes.

Finally, and perhaps most importantly, insurers often review loss reports. Information regarding

your home and auto insurance claims history for the past seven years (with one or multiple

insurance companies) is collected and compiled centrally by two separate entities, the

Comprehensive Loss Underwriting Exchange, commonly known as “CLUE,” and the Automated

Property Loss Underwriting Service, known as “A-PLUS.” The reports provided by these two

entities contain consumer claim information provided by the insurance companies. The reports

include policy information such as your name, date of birth and policy number; claim

information such as date of loss, type of loss and amounts paid; and a description of the property

covered.

For homeowner coverage, the report includes the property address, and for auto coverage, specific

vehicle information. In other words, when you shop for auto or home insurance, every

company you approach has access to your entire loss history for the past seven years. Make sure

to thoroughly review this report for prior claims for which you may not be at- fault, any inquiries,

under-the-deductible claims, or any subrogated claim payments. Nevada law prohibits insurers to

refuse to issue a policy to you, refuse to renew a policy or to increase your premium due to these

types of claims. You can obtain a free copy of either report once a year. To find out more about

the CLUE report and how to obtain a free copy of the loss history maintained for you, go to

https://personalreports.lexisnexis.com/ or call, toll free: 1-866-897- 8126. For a free A-PLUS

report, call 1-800-627-3487.

Information Commonly Utilized by Insurers for Rating

1) Driving Record – On your policy application, you will be asked about your driving record.

Insurers will ask about accidents and traffic violations for any driver covered by the policy

for the preceding three to five years. Drivers with previous violations or “at- fault”

accidents are considered to be a higher risk and are charged a higher rate. Also, the insurer

likely will request a motor vehicle report from the Nevada Department of Motor Vehicles

(DMV) to compare against your application.

Some insurance companies offer “accident forgiveness” to certain insureds who meet their

eligibility criteria. This feature is offered either as part of a standard auto insurance policy

or as an additional coverage option (endorsement). These options generally have additional

charges associated with this benefit. Accident forgiveness means that if you are responsible

for causing an accident, your premium will not increase due to your first at-fault accident.

2) Territory – The claims experience in your geographical area also will affect your rates.

Policy applications include a question that asks for the address where the vehicle will be

principally garaged. From this information, insurers determine your territory or zip code

whose rate is based on historical experience for that territory or zip code. Generally, more

claims are made from urban areas – because of tendencies of busy traffic, thefts and

vandalism – than from rural areas.

3) Gender and Age – Statistically, males have more accidents than females. For thisreason,

men may tend to pay more for insurance than women. Insurers also have statistics that

show a higher number of claims for some age groups than for others. For these reasons,

young men tend to pay more for insurance than young women, and a person under 25 will

pay more for insurance than a 35-year-old.

4) Marital Status – Statistics show fewer auto insurance claims among married policyholders

than unmarried policyholders. Generally, married people pay a lower premium than

unmarried policyholders. Nevada law requires domestic partners to be rated as married

policyholders.

5) Prior Insurance Coverage – Insurers may ask if you have previously had insurance

coverage, and if you have ever been canceled (such as for non- payment of premiums),

or if you have ever had any lapse in your auto liability coverage. Under Nevada law, if

insurers ask for this information, they are required to also ask about the reasons for any

previous cancellation, nonrenewal, or adverse underwriting decision. Insurers may not

refuse to insure you or increase your premium solely based on the fact that a previous

insurer has cancelled or refused to renew your coverage. However, an insurer may seek

additional information regarding such a previous decision, and this additional

information may be a factor in the insurer’s own underwriting or rating decisions.

6) Vehicle Use – You will be asked on the application how often, how far and for what

purpose you drive the vehicle that you want to insure. The fewer miles you drive the less

chance you have of getting into an accident. Some insurers also offer discounts for drivers

who participate in carpools.

Usage-Based Insurance (UBI) – UBI is a relatively new methodology in the pricing of

auto insurance which is being offered by certain insurers in Nevada. This methodology

allows for discounts in your auto insurance premiums based upon the number of miles you

drive. Some companies require a device to be attached to the On-Board Diagnostics (OBD-II)

port. This telematic device transmits mileage and other information to the insurer. Other

insurers require scheduled “odometer reading” by the agent or other representatives of the

insurance company to verify the mileage. More recently, many insurers have launched UBI

programs that utilize apps on a mobile phone to track insureds' driving behaviors. The

technology behind the telematic device has generated some concerns regarding the potential

for violation of privacy rights by tracking the movement of those who install the telematic

device in their vehicles. In Nevada, UBI programs are optional for consumers to participate

in, and an insurer may bot mandate participation in a program that tracks driving behavior. If

you sign up for participation in a UBI program, the insurer is required to provide you with a

full disclosure, including whether there is use of a device with GPS capabilities.

Make and Model of Vehicle – The type of car you drive directly affects the cost of

comprehensive and collision coverage. It also can affect the cost of bodily injury and

property damage liability coverage as well as the uninsured/underinsured motorist and

medical payments coverages. A make or model of car that has a high number of claims or

higher claim costs will be charged a higher premium. High claims costs are generally

associated with two types of vehicles: higher-valued vehicles, which are more expensive to

repair, and vehicles that have shown a higher severity of bodily injury losses or physical

damage losses in an accident.

Claim Frequency – One of the primary factors in the rating process is claim frequency.

Claim frequency measures how often an insured event occurs within a group relative to the

number of policies contained in that group. It does not mean how many

times you have made an insurance claim, although that will have an additional effect.

If you share characteristics with a high-claims group, you will be charged more for

insurance coverage. At the same time, people who share characteristics with low-claims

groups will be charged lower rates. However, it should be noted that the greatest

controllable factor in determining your rate is your driving record. A person with a clean

driving record will pay less than a driver with similar characteristics who has traffic

violations.

Credit-Based Insurance Scoring

Credit-based insurance scoring is used by most personal automobile insurers in Nevada. Your

credit information is used as one criterion to decide for what coverage you will be eligible and

how much premium you will pay. The insurance companies that use credit information assert that

this information helps them appropriately price the insurance risk they are undertaking. There is a

belief that credit-based insurance scores correlate with the risk of insurance losses, and that credit-

based insurance scores measure your financial responsibility, which is also an indicator of

responsibility in other areas of your life, such as driving. Further information on credit-based

insurance scoring is available by visiting the Division’s website at

http://doi.nv.gov/Consumers/Credit-Scoring-FAQs/

Nevada law requires insurers to provide you with an “adverse action” notice if the use of your

credit information adversely affects your insurance premium or contributes to a denial of

insurance. You have a right to request a free copy of your credit report from the vendor who is

listed on the adverse-action notice. The Division publishes, and annually updates, a list of all

auto insurers who utilize or do not utilize credit history in underwriting and/or rating. To review

this list, please visit the Division’s website at:

http://doi.nv.gov/uploadedFiles/doinvgov/_public-documents/Consumers/NV_PPA_AB120_List.pdf.

Exceptions for Extraordinary Life Events

If you have experienced or are continuing to experience certain extraordinary life events (ELEs)

that adversely impact your credit information, Nevada law requires insurers to provide reasonable

exceptions for such ELEs in the calculation of their insurance premiums. If your credit information

has been directly influenced by an event listed below, you may submit a request to your insurer in

writing that your credit information not be considered in the underwriting and rating of your

insurance policy. The law also requires insurers to notify you about the availability of such

reasonable exceptions and how you may request further information. The law provides that the

following events be considered as extraordinary life events.

A catastrophic event, as declared by the federal or state government.

A serious illness or injury to you or to an immediate family member.

The death of a spouse, child or parent.

Divorce or involuntary interruption of legally owed alimony or support payments.

Identity theft.

Temporary loss of employment for a period of 3 months or more, if it results from

involuntary termination.

Military deployment overseas.

If an event you are experiencing is not specifically listed above, contact your insurer and describe

the event that you are experiencing and how it may be adversely affecting your credit. The law

also allows insurers to consider “other events” as potential ELEs and gives the insurer discretion

on granting an exception.

Discounts

Insurance companies offer discounts to individuals who have certain characteristics. Discounts are

awarded because the insurance company views you as a “better risk.” Since not all insurers offer

the same discounts, you should be aware of the discounts offered by different companies before

buying auto insurance. Here are some discounts you should look for:

Multiple Vehicles – Most insurance companies offer a discount to consumers who insure

more than one car with their company. Companies offer this discount not only because they

want all of your business, but because it is easier for them to underwrite individuals that

they already know, therefore reducing their risk and saving them money. Industry statistics

show that individuals and families that insure more than one car have better-than average

claims experience. Through this discount, companies pass along some of their savings to

you.

Driver Education Courses – Discounts for driver education courses are targeted primarily

at older drivers. In Nevada, all insurers must provide a reduction in premium for a three-

year period for people 55 and older if they successfully complete a driving course approved

by the Nevada Department of Motor Vehicles. The insured must maintain a clean driving

record to keep this discount.

Good Student – Insurers have found that students who earn a “B” average or better tend

to be more responsible drivers. For that reason, many companies offer a “good student”

discount.

Safety Devices – Automobile safety devices can lower insurers’ costs by preventing

accidents or limiting their severity. These discount types and savings are passed along to

the policyholder through discounts for safety equipment. This equipment includes air bags,

automatic seat belts and stability controls.

Anti-Theft Devices – Devices or systems that deter theft or vandalism also lower claim

costs. Many companies offer discounts for anti-theft devices.

Good Driver/Loyalty – Insurers offer discounts to drivers who maintain a good driving

record and renew their policy with them.

Auto/Home Package or Multiple Policy Discount – Some insurers offer a discount on

one or both policies if an individual buys a homeowners’ policy and an auto policy from

the same insurer. Other insurers also offer a discount on auto rates for home ownership.

Some insurers also offer a discount for the purchase of homeowners’, auto and life policies

from the same insurer.

Dividends – Some insurers, particularly mutual insurers, offer dividends to policyholders

if the sale of auto insurance has been profitable to them. Dividends are declared and paid

after the policy period has expired.

Miscellaneous Discounts – Some insurers offer special discounts, which are applied in

conjunction with new policies only. These discounts are generally reflected in the price of

the new policy, tend to be applied at a lesser degree at each subsequent renewal and are

eliminated after a certain number of renewals (typically two renewals).

Discounts are not only a way for companies to attract customers, but also a means for

companies to compete and retain business. So, when you shop, ask about discounts offered

and how long they are offered. Some discounts are offered for new customers, which make

the rate sound attractive, but they may only continue for 6 or 12 months. Remember, savings

differ from company to company. Make sure you receive the discounts for which you qualify.

Financial Responsibility

To ensure that innocent parties are compensated for their injuries in the event of a car accident,

Nevada law requires all Nevada drivers to have security for liability arising from the use of their

vehicles. For most Nevadans, security will be in the form of an insurance policy.

Nevada law requires that your insurance policy must minimally provide coverage in the amount

of $25,000 for bodily injury or death of each person in an accident, $50,000 for bodily injury or

death of all persons in an accident, and $20,000 for injury or damage to the property of others.

This coverage is generally described as 25/50/20.

The penalty for not having mandatory liability auto insurance is severe. The Nevada Department

of Motor Vehicles (DMV) administers the Insurance Verification Program, designed to eliminate

uninsured motorists on Nevada’s highways. NRS 482.480 requires you to pay a reinstatement fee

to the Nevada DMV Insurance Verification Program if you are the owner of a motor vehicle that

is registered, or should be registered, and are found guilty of operating, or allowing someone to

operate, your motor vehicle without liability insurance. The minimum penalty fee is $250 per

uninsured vehicle.

Nevada law includes a graduated system of penalty fees and fines for lapses in vehicle liability

insurance. The fines increase for subsequent offenses and for longer periods of lapse, can be as

high as $1,750, and can be applied in addition to the suspension of the violator’s driver’s license.

If you are found to be without liability insurance by a law enforcement officer, the penalty will be

administered by a court of jurisdiction and generally is even more severe.

If you do not carry insurance, and you or someone using your motor vehicle with your permission

are involved in an accident, your registration and driver’s license may be revoked. You also may

be required to have an insurance company certify that you have insurance, which must be

continuously maintained for a three-year period. Most insurance companies charge an additional

fee for this certification (commonly called an SR-22).

Finally, if you were without insurance for any period of time, you may find it difficult to obtain

insurance you can afford. Many companies do not insure people who have not had insurance or

have allowed their insurance to lapse or expire. Other companies will simply charge you more for

insurance.

Remember, going without insurance can cost you much more than carrying the liability coverage

that is required by Nevada law.

Liability Insurance

Required by Nevada law

Most auto liability insurance policies contain the following major parts: liability insurance

for bodily injury, liability insurance for property damage, and uninsured/underinsured

motorist coverage.

Bodily injury liability insurance does not protect you or your car directly if you are the cause of

an accident in which other people (third parties) are injured. This insurance protects you against

their claims for damages such as medical expenses, lost wages and pain and suffering. This

insurance coverage also will pay if a member of your family living with you caused the accident,

or if it was caused by a person using your car with your consent. Some insurance policies have a

“drop-down” provision which provides only the minimum liability limits for permissive drivers

that are not listed in the policy.

Bodily injury liability insurance carries specific benefit limits. These limits address how much

money your insurance company is obligated to pay for any one victim injured in an accident and

limits the amount the company must pay for multiple victims.

To make a smart consumer purchase, you must understand these limits for bodily injury liability

insurance. Remember: Nevada law requires that you carry limits of $25,000 for the bodily injury

or death of each person injured in an accident and $50,000 for the bodily injury or death of all

persons injured in an accident.

You may decide to purchase additional coverage. This decision may be based on your desire to

protect your assets from claims above the minimum amounts. The extra cost of higher coverage

tends to be relatively low.

Property damage liability insurance pays for damage you cause to the property of others, such as

a crushed fender, broken glass or a damaged wall or fence. Your insurance will pay for this damage

whether you are driving your automobile or whether it is being driven by another person with your

consent. Current Nevada law requires you to carry $20,000 for damage to the property of others.

However, you may decide to purchase higher property damage liability coverage at an additional

premium.

The policy liability limits also may extend to include a trailer that is designed to be pulled behind

a private passenger auto, pickup or van.

You may purchase higher limits of liability inexpensively under a personal umbrella policy. An

umbrella policy provides broad liability protection over and above your auto policy’s liability

limits. It can be written to include other insurance policies, such as your homeowner’s, recreational

vehicles, or other insurance products. It also will cover some areas that are not covered by your

auto or homeowner’s policies. Many insurers require minimum coverage levels on your underlying

auto or home policy before writing an umbrella policy.

Physical Damage Coverage

Required by your lender if you have an auto loan

In addition to the basic liability coverages outlined above, the most commonly recognized

coverages are collision and comprehensive.

Collision Coverage

Collision coverage pays for physical damage to your car as the result of your auto colliding with

an object, such as a tree or another car. This coverage can be expensive, and it is not required by

law. However, if your vehicle is financed or leased, your lending institution or lessor may

require that you carry collision insurance.

For example, if you have an older vehicle worth less than $2,000, there is little reason for you to

purchase collision coverage, because you are likely to pay more money in premium than you would

ever receive as a result of a claim. The loss settlement agreement for collision coverage allows the

insurance company the option to pay for repair or replace your vehicle with like kind or quality.

Here’s an example:

Your vehicle is involved in a collision. It is determined that it will cost $10,000 to repair

the vehicle; however, the repaired vehicle value would only be worth $5,000. The company

is not responsible to repair the vehicle and can offer cash settlement. If the car is determined

to be “totaled”, the insurer will pay you the car’s fair market value at the time of

loss including all applicable taxes, license fees and other fees incident to transfer of

ownership of the replacement vehicle.

Comprehensive Coverage

Comprehensive coverage pays for damage to your auto from almost all other causes, including

fire, severe weather, vandalism, floods and theft. Comprehensive coverage also covers broken

glass, such as windshield damage. This coverage is less expensive than collision coverage, and

many consumers choose to carry it. However, carrying this coverage is your choice; you are not

required by law to carry it.

When considering collision and comprehensive coverages, you should consider your deductible.

A deductible is the amount of money you agree to pay as your share of the cost of a claim before

the insurer is committed to pay the rest of the claim. For example, if you carried collision coverage

with a $200 deductible and you had a $500 loss, you would pay $200 and the insurance company

would pay the remaining $300.

Deductibles reduce your premiums because you agree to deduct an amount from the claim your

insurer otherwise would have to pay. Insurers offer deductibles because they reduce the number

of small claims that are costly for them to handle.

If you purchase a new car with a loan, the financial institution that lent you the money may require

you to purchase collision and comprehensive coverages. This is because the lender considers your

car as collateral for the loan, and it wants to make sure the car is worth something if the lender

needs to repossess the vehicle. In the event you have to buy – or decide to buy – collision or

comprehensive coverage, you can save money by agreeing to the highest deductible you can

comfortably afford to pay.

Most insurers will only sell comprehensive and collision coverages together and not separately.

Uninsured/Underinsured Motorist Coverage

Optional Coverage

Uninsured/underinsured motorist coverage (UM/UIM) protects you and occupants of your vehicle

directly. This coverage pays if you or passengers in your vehicle are injured by a hit-and- run

driver, a driver who does not have auto insurance (uninsured) or a driver whose policy limits are

not high enough to cover your injuries (underinsured). This coverage does not protect the other

driver, and it does not cover damage to your vehicle.

Nevada law does not require that you carry uninsured/underinsured motorist coverage. However,

Nevada law requires your insurance company to offer you uninsured/underinsured motorist

coverage in an amount not less than the statutory minimum liability limits and in an amount not

more than the bodily injury liability limits purchased by you. You may choose not to purchase this

coverage, or you may choose to purchase limits lower than your bodily injury limits of liability. If

so, you will be required to sign a waiver indicating your decision.

Many insurers have started offering a separate uninsured/underinsured motorist property damage

coverage (UMPD) to protect your vehicle if it is damaged in an accident that is not your fault. This

coverage generally pays up to a certain level and may cover your portion of any applicable

deductible.

Other Optional Coverages

Be cautious when purchasing optional coverages, as they may duplicate coverage that you have

through other insurance policies. For instance, medical payments coverage may duplicate health

or disability benefits that you already buy individually or receive as a benefit through your job.

Before purchasing these coverages, review them and your other insurance policies carefully.

Medical payments coverage is an optional coverage. However, Nevada law requires that

your insurance company offer you at least $1,000 of this coverage. This coverage pays for

the medical and funeral expenses for you or others injured or killed in an accident while

driving or riding in your auto. Claims against this coverage include all reasonable hospital,

surgical, chiropractic, x-ray, dental, professional nursing, prosthetic and funeral expenses.

It also will cover you or members of your family if an auto strikes you while walking or

riding in another auto. This coverage will be paid even if you caused the accident. Usually,

only expenses incurred within a specified period of time after the accident are covered.

Rental coverage is coverage for a driver of a rental vehicle against possible liability for

any accidental damage to that vehicle. The vendor may claim various elements of damages

including cost of repair, diminution – or reduction – of value and loss of use with respect

to a damaged rental vehicle.

Anyone who has occasion to rent a vehicle should learn whether his or her own automobile

insurance policy will pay a claim in case of accidental damage to the rented vehicle. Most

private passenger auto policies that provide collision coverage will cover repair cost to a

damaged rental vehicle subject to the policy deductible, but they do not cover diminution

of value or loss of use. Be sure to check your policy language or ask your agent or insurer

if you have this type of coverage before renting a vehicle.

Frequent users of rental vehicles should ask their insurance agents how their private

passenger automobile coverage extends to rental vehicles. In this context, the questions

asked and the answers received should be thorough. You may find some advantages to

purchasing the coverage available through the rental agency.

Rental/Reimbursement coverage usually pays $15 to $20 a day to rent a car for a specific

number of days while your vehicle is being repaired for damages incurred from an accident,

irrespective of fault. The premium varies from insurer to insurer.

Guaranteed Asset Protection (GAP) Insurance is designed to pay the difference

between the outstanding balance on a vehicle loan and the replacement cost of a vehicle

that is deemed a total loss. Because of the pattern of depreciation in the value of a vehicle,

situations may arise where a consumer owes more on his or her vehicle loan than the

consumer’s insurer would pay to replace the vehicle. Such a consumer would remain liable

for the “gap” between these two values if the vehicle were damaged beyondrepair.

It is important to know that GAP insurance is not mandatory and is prohibited by law from

being required as a condition for purchasing a vehicle or obtaining a vehicle loan.

Moreover, GAP insurance is available from a variety of sources. While some insurers

market stand-alone GAP policies, other insurers offer GAP-like coverage as an option in

their automobile insurance policies. Stand-alone GAP coverage is typically more

expensive than GAP-like coverage incorporated in an automobile insurance policy, in part

because there is no deductible in stand-alone GAP coverage. The deductible for physical

damage coverages typically still applies in GAP-like coverages in automobile insurance

policies.

If you are interested in GAP insurance, you are not required to accept it from the dealer

selling your automobile. Shop around to find the best coverage terms and premiums. Also

remember that both the outright purchase of a vehicle and a sufficiently large down

payment on a vehicle loan would render GAP insurance unnecessary, as it would no longer

be the case that the loan balance exceeds the vehicle’s replacement cost. Finally, keep in

mind that the gap between the loan balance and the vehicle’s replacement cost typically

disappears within a short number of years after the purchase of the vehicle.

Towing and labor coverage pays certain costs when your vehicle is disabled, up to the

limit of your policy. These costs may include towing your car to the repair shop, gas

delivery, tire changing, or labor performed at the location of the breakdown. Premium for

this coverage can run as low as $5 to $10 per year. However, if you are a member of an

auto club, you probably already have this service and may not want to duplicate your

coverage.

Collector Car or Antique Auto coverage can be purchased for an older or classic vehicle

that is driven a minimal number of miles each year. The Division recommends you review

this coverage carefully with your agent before the policy is issued. You and your agent

must both agree on the vehicle value before the policy is issued, and a vehicle appraisal

may be required. The value of the vehicle may be determined under two different policy

types:

•

Stated Amount or Stated Value coverage is a policy form that will pay you if

your vehicle is involved in a loss during the policy year, the lesser of: 1) the

Stated Value or Amount; 2) the cost to repair the covered auto (not to exceed

the Stated Value or Amount); or 3) the actual cash value.

•

Agreed Amount or Agreed Value coverage is the only policy form that

guarantees you in writing what amount you will receive if your vehicle is

involved in a loss during the policy period. The Agreed Amount form states

what the insurance company will pay you, the lesser of: 1) the Agreed Amount;

or 2) the cost to repair the covered auto (not to exceed the Agreed Amount).

The Agreed Amount should represent the true market value of the car at the

time the policy is written. If the market value changes during the policy period,

the Agreed Amount can be changed by endorsement.

Operator’s Policy

An operator’s policy is different from standard liability insurance, which is also referred to as an

owner’s policy. This type of auto insurance is intended primarily to serve the needs of automobile

collectors. By law, under an operator’s policy, the number of motor vehicles that the policyholder

owns must be greater than the number of persons in the household who possess a driver’s license,

and each person in his or her household who has a driver’s license must carry an operator’s policy

of liability insurance. This insurance coverage protects the driver, not the car. That is, the driver

would be insured no matter what vehicle was driven. This insurance coverage does not cover

another person driving your car, either with or without your consent.

An operator’s policy can only be issued to cover the vehicles that you own. A policy that is issued

solely for non-owned vehicles does not suffice as proof of insurance for the owned vehicles, is not

allowed to be used for the purposes of registering your vehicle(s) with the Nevada DMV and may

be determined as a lapse of insurance coverage for your owned vehicles, triggering a DMV fine.

Always check with your insurance agent or company that the policy being issued to you provides

coverage for your owned vehicles and is acceptable for the purposes of registering your vehicle(s)

with the Nevada DMV.

Other Helpful Information

One Minute of Insurance Coverage on Expiration Date

Did you know that you do not have insurance on the expiration date of your auto insurance? This

is because your auto insurance policy expires at 12:01 a.m. on the expiration date. This means that

you only have one minute of coverage on the expiration date listed on your insurance ID card.

If you plan on changing insurance companies, do not wait until the last day to shop around and

find new coverage. It is important to tell your new insurance company or insurance agent exactly

when your policy expires. This will help them begin your coverage at the correct time and day

without any lapse in coverage.

If you are renewing your current insurance, make sure you do so a few days before the expiration

date. This will help you avoid an interruption in your insurance coverage.

In addition to leaving you uninsured, a lapse in insurance coverage will result in a fine by the

Nevada DMV.

Coverage for Trailers Hitched to Vehicles

If you haul a trailer of any kind, such as a camping trailer, or a utility trailer, it is important to note

that most insurance policies extend only the liability portion of your vehicle coverage to the trailer.

Any physical damage coverage purchased for your vehicle, like collision or comprehensive, does

not automatically extend to the trailer. This means you will have to pay to repair any damage to

your trailer if the accident was your fault. You may be able to purchase physical damage protection

for your trailer from your insurance company. Call your insurance company or agent for more

information.

Claims

Being in an accident, regardless of who is at fault, can be a traumatic experience. If you are

involved in an accident, contact your insurance company or agent to report the accident. Your

insurance company will open a claim file and give you further instructions on what to do.

Depending on the type and amount of coverages you have purchased, your insurer may be able to

immediately begin paying benefits. This may include payments for medical treatment, rental

vehicle, or for the repair of your vehicle. For example, if you have Medical Payments, your policy

provides immediate payments to you and the occupants of your vehicle for the cost of medical

treatment up to the policy limits without consideration of fault.

If you believe that the other driver was at fault, you may also contact the other driver’s insurance

company and file a claim with them as well. Make sure to provide your insurer with the other

insurance company’s information including the claim number (if one is assigned). The other

driver’s insurance company and your insurance company will investigate the claim to determine

liability. If the other driver is determined to be at fault, any payments made by your insurance

company under your insurance policy, or any deductibles paid by you to your insurance company,

may be recouped by your insurer from the at-fault driver’s insurance company.

To help you with documenting pertinent information immediately after an accident, the National

Association of Insurance Commissioners (NAIC) released an Auto Accident Checklist which you

may download and print from https://www.insureuonline.org/auto_accident_checklist.pdf

Smart Shopping

The key to comparison shopping is to know both what insurance coverage and what amount of

coverage you need before you begin shopping, then to find out how much that coverage will cost

from a number of companies. Comparison shopping takes time but can save you money.

No one wants to pay more for auto insurance than is absolutely necessary. The only way you can

make certain you are not paying too much is to shop around and find out what different companies

charge for identical products and services.

Seek Unbiased Information

Information is available to consumers from a number of unbiased sources. These sources include

the Nevada Division of Insurance, public libraries, consumer groups and consumer publications.

Because the insurance industry, like many other industries, uses words not commonly used by the

average person, consumers may need to find a good glossary or dictionary of insurance terms. We

suggest contacting the Division’s Consumer Services section if you need help understanding the

language of your policy.

You can also gain a wide variety of information from the Nevada Division of Insurance website,

https://doi.nv.gov/.

Price Quotes

Getting auto insurance premium quotes from several companies is a useful way to compare

different companies’ products. However, when seeking price quotes, it is crucial that you provide

the same information to each agent or company.

To give you an accurate quote, the agent or company will usually request the following

information, because it is necessary to the underwriting and rating process as described earlier in

this guide:

Description of your vehicle (year, make, model, vehicle identification number,

etc.).

Use of vehicle (pleasure, to/from work, etc.).

Your driver’s license number and the issuing state.

The number, genders and ages of drivers in your household (including dates of

birth).

The types of coverage.

The limits you want.

Accidents/tickets in the last three to five years for each driver in your household.

The company may also obtain a copy of your claims history, motor vehicle report and credit report.

It is a good idea for you to know what is contained in the reports.

For Your Protection

You should be aware that an auto insurance policy is a legal contract. It is written so that your

rights and responsibilities, as well as those of the insurance company, are clearly stated. When you

purchase auto insurance, you will receive a policy. You should read that policy and be able to

understand its contents. If you have questions about your insurance policy, contact your insurance

agent for clarification. If you still have questions, contact the Nevada Division of Insurance

Consumer Services section, and our Consumer Service representatives will work with you

regarding your concerns.

If you purchase an insurance policy through an unlicensed company, you are very likely to find

that you have no coverage when a claim occurs. To avoid falling for such scams, you should:

Check with the Nevada Division of Insurance to see if the company is licensed in

Nevada. Companies licensed by the state are required to provide annual statements

to the Division of Insurance, which allow the Division to assess a company’s

continued ability to pay claims. The Division also can take corrective action

in advance of potentially devastating problems. The Division website has a

“License Look-up Tool” at https://di.nv.gov/ins/f?p=licensing:search or you can

call us at 775-687-0700 (northern Nevada) or 702-486-4009 (southern Nevada) to

find out whether a company is licensed in Nevada.

Confirm that your insurance agent is selling you a state-approved product. If you

suspect an insurance agent is trying to sell you an unauthorized product, contact the

Division of Insurance.

Make certain you are dealing with a licensed insurance agent. If the person trying

to sell you the coverage states that he or she does not need a license for whatever

reason, be wary. Report suspicious activity to the Division of Insurance.

Ask your agent for the name of the insurer and check the paperwork you receive to

make sure it names a licensed insurer that is providing the coverage.

You should receive an Evidence of Insurance card for each vehicle insured. The

card is to be carried in the respective automobile. The effective dates of coverage

are shown on the card, so check to make sure your evidence of insurance card is

current.

Never pay cash. Always get a receipt for all payments and be sure the receipt shows

your policy number, date of payment, period of coverage and the name of the

insurance company providing the coverage.

Suggested questions to ask when looking for automobile insurance:

•

Are these liability limits high enough to cover me if I have an accident and I am at fault?

•

How much would it cost me to buy more than the minimum amount of liabilityinsurance

coverage?

•

Will this policy cover me if I let someone else drive my car?

•

Will this policy cover me if I have an accident in a rental car while on vacation?

•

Will this policy cover me if I have an accident while traveling for work?

•

If my car is disabled, will this policy pay for a rental car while it is being repaired? Is

there any cap or limit?

•

If my car is disabled due to an accident, will the parts used to repair the car be newor

after market?

•

How much can I save with a higher deductible?

•

What discounts are available?

•

What other types of property do you insure? Can I qualify for a discount if I buy both

policies from your company?

•

What are my payment options? Can I pay monthly or quarterly? If I do, is there anextra

charge?

It is also important to be aware that there are scam artists who misrepresent themselves as

insurance agents and trick unsuspecting individuals and businesses out of thousands of dollars

every year. In fact, on occasion, even licensed, honest and experienced agents can unknowingly

sell insurance offered by a fraudulent insurer. Although honest agents will do their best to avoid

such circumstances, it can still happen. Worst of all, you as the consumer may discover that you

are on the hook for a wide range of costs and expenses that you thought your insurance was

covering in the event of a loss.

When it comes to buying insurance, your instincts might not always be correct. In an effort to save

money, one’s judgment can become impaired, so don’t hesitate to check out everyone you deal

with. It takes a little more time, but the effort could save you a lot of money.

Payment of Insurance Premiums

There is no grace period on insurance premium payments. In other words, if an insurance

premium payment is due on the 15

of the month; your payment must be received by the

insurance company on or before that date. Example D on pages 52-55 of this guide show the higher

premiums charged and the possible difficulty of obtaining insurance with a lapse in coverage

even if you have a clean driving record.

Mid-Term Cancellation of Your Policy

Nevada laws restrict the mid-term cancellation of your policy. If the company cancels your policy,

the premium will be prorated without any penalty to you, but the reason for cancellation must be

in compliance with NRS 687B.320. That statute requires notification be delivered or mailed to the

policyholder at least 10 days before cancellation for failure to pay a premium when due, or 30 days

for all other reasons noted in the statute. However, if you cancel the policy, there is normally a

“short rate” penalty that usually amounts to about 10 percent of the return premium. If you cancel

the policy early in the term, the penalty is greater than if the policy is canceled late in the term.

Policies regarding early cancellations and refunds vary from company to company.

Frequently Asked Questions

I was involved in a car accident, and my car was determined to be a total loss by my

insurance company. The insurance company sent me a check for $7,000, but I paid

$15,000 for the car. Why didn’t the insurance company send me a check for the amount I

paid for the car?

The insurer’s limit of liability for a physical damage loss to a covered auto is

the lower of (1) the actual cash value of the damaged or stolen property; or

(2) the amount necessary to repair or replace the property with property of

like kind and quality. Actual cash value is generally the replacement cost of

the property minus an allowance for depreciation. The depreciation is based

on market value in the geographical area. For example, you purchase a new

car in 2021 in Carson City that costs $15,000, and the same vehicle could be

purchased for $7,000 in 2024. If the car was involved in an accident and

declared a total loss by the insurance company in 2024, the market value would

be $7,000.

How much time does an insurance company have to respond to a claim? I was involved in

a car accident two weeks ago, and I notified the insurance company the next day. It’s been

two weeks, and I haven’t heard from them.

An insurer must approve or deny a casualty claim within 30 days after the

insurer receives the claim. If the insurer requires additional information or

time to determine whether to approve or deny a claim, it must notify the

policyholder of this request within 20 days after it receives the claim, and at

least once every 30 days thereafter until the claim is approved or denied.

I was involved in an auto accident in 2020. At the time of the accident, I did not seek

medical care. In February of 2024, I began having back pain that I believed was caused by

the accident. I went to the doctor and incurred the expense of the doctor’s visit and x-ray

cost. I submitted a claim for medical reimbursement under my Personal Auto Policy and

Medical Payments Coverage, and my claim was denied. Why?

Under most standard policies, the insurer will pay only those expenses

incurred for services rendered within three years from the date of the accident

under the Medical Payments coverage of your Personal Auto Policy. Auto

policies vary, so you should check your own Personal Auto Policy for time

limitations to make a claim under the Medical Payments Coverage.

I had some personal belongings that were stolen from the trunk of my car. Why doesn't my

car insurance pay for my stolen property?

Contract provisions in your auto policy may specifically exclude most personal

belongings; however, these belongings may be covered under a homeowner’s

or renter’s policy.

I purchased a used vehicle from a car dealership. It had several options, such as running

boards, that do not come as standard equipment on a new vehicle. I brought the vehicle to

my insurance agent and added it to my policy with full coverage. I was later involved in an

accident. My insurance company denied the replacement of the damaged running boards.

Why?

Most automobile insurance policies specifically exclude items that are not

standard or stock on a vehicle. While speaking with your agent, you should

ask if the policy covers specialty items. If they’re not covered, ask about

purchasing additional coverage for those items. Alternately, it is possible that

the price of the non-standard items is already incorporated in the actual cash

value determination by the company based on market pricing for such vehicles

and additions.

My car was damaged, and my insurance company told me I could get it fixed, so I took it

to my body shop. The repair is unsatisfactory, and now the insurance company is telling

me it will not guarantee the workmanship of my body shop. Why not?

Insurance companies will only guarantee the workmanship of repairs done by

one of their preferred body shops. Many insurers have contractual agreements

with such preferred body shops. If you are unsatisfied with the repairs done

by your body shop, it would be an issue between you and your body shop.

Therefore, it may benefit you to inquire whether or not the insurance company

has a preferred shop.

I already have insurance for my existing vehicles and am looking to purchase another

vehicle. Will my newly purchased vehicle be automatically covered under my existing auto

insurance policy?

Most insurers will automatically insure a newly acquired vehicle under an

existing policy of insurance for a certain number of days. Contact your insurer

to add the newly acquired vehicle to your existing policy. If you wish to add or

increase coverage for your new car, make sure to ask your agent or the insurer

about the options available to you.

If you finance a new vehicle, the lender may place additional insurance

requirements - such as collision or comprehensive coverage - to protect the

lender’s investment. Most dealerships will require proof of this additional

insurance coverage before allowing the vehicle to leave the dealership’s lot.

Rate Comparisons

Twenty-seven insurers participated in the following rate comparisons. If an insurer did not quote

a rate for a specific example, it means that the driving record given for that example was

unacceptable to the company.

Rates quoted in this guide are for six-month premiums and may vary from rates quoted by an

insurance agent. These rate samples are developed based upon basic rating information and include

risk-based assumptions made by insurers. The risk-based assumptions may or may not apply in

your specific circumstances. Rates can be found at the page number listed next to each liability

option.

Two vehicles were rated for each example:

Vehicle One

2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive, Automatic CVT

Transmission, 4-door

Vehicle Two

2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed Automatic

Transmission, 4-door

Two liability options were rated for each vehicle:

Liability Option One

Liability:

$25,000 per person/$50,000 per accident bodily injury liability

$20,000 per accident property damage liability

Physical Damage: $250 deductible-comprehensive

$500 deductible-collision

Other Coverages: $1,000 medical payments

$25,000 per person/$50,000 per accident uninsured/underinsured motorist

Liability Option Two

Liability: $100,000 per person/$300,000 per accident bodily injury liability

$50,000 per accident property damage liability

Physical Damage: $250 deductible-comprehensive

$500 deductible-collision

Other Coverages: $5,000 medical payments

$100,000 per person/$300,000 per accident uninsured/underinsured motorist

Rating Examples

Example A

Seventeen-year-old single male. Clean driving record. Good student (“A” average) with driver’s

education. Drives 10 miles, round trip to school daily. Annual mileage is 2,900. Rated on

father’s policy from Example E. Multi-car discount and good student discount if a pplicable.

Vehicle one - 2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive,

Automatic CVT Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 40

Liability Option Two: 100/300/50 .......................................................................... 41

Vehicle two - 2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed

Automatic Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 42

Liability Option Two: 100/300/50 .......................................................................... 43

Example B

Seventeen-year-old single male. Average student (“C” average). One ticket for driving 20 miles

over the speed limit within the past 12 months. Drives 10 miles, round trip, to school daily. Annual

mileage is 2,900. Rated on father’s policy from Example E. Multi-car discount applies.

Vehicle one - 2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive,

Automatic CVT Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 44

Liability Option Two: 100/300/50 .......................................................................... 45

Vehicle two - 2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed

Automatic Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 46

Liability Option Two: 100/300/50 .......................................................................... 47

Example C

Twenty-three-year-old single female. One “at fault” accident within past 12 months (under

$1,000 damage). Attends college full-time and maintains “B” average grades. Drives 10 miles,

round trip, to school and her part-time job daily. Annual mileage is 12,000.

Vehicle one - 2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive,

Automatic CVT Transmission, 4-door

Liability Option One: 25/50/20 ............................................................................... 48

Liability Option Two: 100/300/50 ........................................................................... 49

Vehicle two - 2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed

Automatic Transmission, 4-door

Liability Option One: 25/50/20 ............................................................................... 50

Liability Option Two: 100/300/50 ........................................................................... 51

Example D

Thirty-year-old divorced female. Clean driving record. No previous insurance for the past 30

days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000.

Vehicle one - 2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive,

Automatic CVT Transmission, 4-door

Liability Option One: 25/50/20 ............................................................................... 52

Liability Option Two: 100/300/50 ........................................................................... 53

Vehicle two - 2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed

Automatic Transmission, 4-door

Liability Option One: 25/50/20 ............................................................................... 54

Liability Option Two: 100/300/50 ........................................................................... 55

Example E

Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work

daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. Rates shown are for

the husband’s vehicle.

Vehicle one - 2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive,

Automatic CVT Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 56

Liability Option Two: 100/300/50 .......................................................................... 57

Vehicle two - 2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed

Automatic Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 58

Liability Option Two: 100/300/50 .......................................................................... 59

Example F

Forty-five-year-old single male. DUI, second offense within past two years. SR22 required. Drives

15 miles, round trip, to work daily. Annual mileage is 15,000.

Vehicle one - 2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive,

Automatic CVT Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 60

Liability Option Two: 100/300/50 .......................................................................... 61

Vehicle two - 2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed

Automatic Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 62

Liability Option Two: 100/300/50 .......................................................................... 63

Example G

Fifty-five-year-old married female, principal operator of vehicle, retired 65-year-old husband who

is an occasional operator with a clean driving record. Female has one “at fault” accident within

past 21 months (over $2,000 damage). Drives 15 miles, round trip, to work daily. Drives 15,000

miles annually.

Vehicle one - 2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive,

Automatic CVT Transmission, 4-door

Liability Option One: 25/50/20 ............................................................................... 64

Liability Option Two: 100/300/50 ........................................................................... 65

Vehicle two - 2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed

Automatic Transmission, 4-door

Liability Option One: 25/50/20 ............................................................................... 66

Liability Option Two: 100/300/50 ........................................................................... 67

Example H

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both

the husband and wife have a clean driving record and have completed an approved driver safety

course. Annual mileage is 4,000. One vehicle; no multi-car discount.

Vehicle one - 2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive,

Automatic CVT Transmission, 4-door

Liability Option One: 25/50/20 ............................................................................... 68

Liability Option Two: 100/300/50 ........................................................................... 69

Vehicle two - 2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed

Automatic Transmission, 4-door

Liability Option One: 25/50/20 ............................................................................... 70

Liability Option Two: 100/300/50 ........................................................................... 71

Example I

Seventy-eight-year-old married retired female. Husband does not drive. Pleasure use of vehicle.

Wife has a clean driving record. Annual mileage is 4,000. One vehicle; no multi-car discount.

Vehicle one - 2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive,

Automatic CVT Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 72

Liability Option Two: 100/300/50 .......................................................................... 73

Vehicle two - 2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed

Automatic Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 74

Liability Option Two: 100/300/50 .......................................................................... 75

Example J

Thirty-year-old divorced female. Clean driving record. No previous insurance for the past 30 days.

Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as best possible credit-

based insurance score.

Vehicle one - 2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive,

Automatic CVT Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 76

Liability Option Two: 100/300/50 .......................................................................... 77

Vehicle two - 2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed

Automatic Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 78

Liability Option Two: 100/300/50 .......................................................................... 79

Example K

Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days.

Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as average/neutral

credit-based insurance score.

Vehicle one - 2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive,

Automatic CVT Transmission, 4-door

Liability Option One: 25/50/20 ............................................................................... 80

Liability Option Two: 100/300/50 ........................................................................... 81

Vehicle two - 2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed

Automatic Transmission, 4-door

Liability Option One: 25/50/20 ............................................................................... 82

Liability Option Two: 100/300/50 ........................................................................... 83

Example L

Thirty-year-old divorced female. Clean driving record. No previous insurance for the past 30 days.

Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as worst possible credit-

based insurance score.

Vehicle one - 2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive,

Automatic CVT Transmission, 4-door

Liability Option One: 25/50/20 ............................................................................... 84

Liability Option Two: 100/300/50 ........................................................................... 85

Vehicle two - 2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed

Automatic Transmission, 4-door

Liability Option One: 25/50/20 ............................................................................... 86

Liability Option Two: 100/300/50 ........................................................................... 87

Example M

Married couple, both 45 years old. Clean driving records. Each drive 15 miles, round trip, to

work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband

is rated with a best possible credit-based insurance score.

Vehicle one - 2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive,

Automatic CVT Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 88

Liability Option Two: 100/300/50 .......................................................................... 89

Vehicle two - 2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed

Automatic Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 90

Liability Option Two: 100/300/50 .......................................................................... 91

Example N

Married couple, both 45 years old. Clean driving records. Each drive 15 miles, round trip, to work

daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband is rated

with an average/neutral credit-based insurance score.

Vehicle one - 2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive,

Automatic CVT Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 92

Liability Option Two: 100/300/50 .......................................................................... 93

Vehicle two - 2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed

Automatic Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 94

Liability Option Two: 100/300/50 .......................................................................... 95

Example O

Married couple, both 45 years old. Clean driving records. Each drive 15 miles, round trip, to work

daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband is rated

with a worst possible credit-based insurance score.

Vehicle one - 2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive,

Automatic CVT Transmission, 4-door

Liability Option One: 25/50/20 ................................................................................. 96

Liability Option Two: 100/300/50 ............................................................................. 97

Vehicle two - 2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed

Automatic Transmission, 4-door

Liability Option One: 25/50/20 ............................................................................... 98

Liability Option Two: 100/300/50 ........................................................................... 99

Example P

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both

the husband and wife have a clean driving record and have completed an approved driver safety

course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as best possible credit-

based insurance score.

Vehicle one - 2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive,

Automatic CVT Transmission, 4-door

Liability Option One: 25/50/20 ............................................................................... 100

Liability Option Two: 100/300/50 ........................................................................... 101

Vehicle two - 2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed

Automatic Transmission, 4-door

Liability Option One: 25/50/20 ............................................................................... 102

Liability Option Two: 100/300/50 ........................................................................... 103

Example Q

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both

the husband and wife have a clean driving record and have completed an approved driver safety

course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as average/neutral

credit-based insurance score.

Vehicle one - 2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive,

Automatic CVT Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 104

Liability Option Two: 100/300/50 .......................................................................... 105

Vehicle two - 2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed

Automatic Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 106

Liability Option Two: 100/300/50 .......................................................................... 107

Example R

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both

the husband and wife have a clean driving record and have completed an approved driver safety

course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as worst possible

credit-based insurance score.

Vehicle one - 2022 Nissan Altima, 2.5 SL, I4 16V GDI DOHC, Front-wheel Drive,

Automatic CVT Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 108

Liability Option Two: 100/300/50 .......................................................................... 109

Vehicle two - 2019 Chevrolet Colorado Z71, Crew Cab, 308 hp 3.6L V6, 4WD, 8-Speed

Automatic Transmission, 4-door

Liability Option One: 25/50/20 .............................................................................. 110

Liability Option Two: 100/300/50...........................................................................111

EXAMPLE A - Liability OPTION 1 - NISSAN ALTIMA

Vehicle 1: 2022 Nissan Altima, 2.5SL, I4 16V GDI DOHC, Front-Wheel Drive, Automatic CVT Transmission, 4-door

Coverages:

$25,000 per person/$50,000 per accident Bodily Injury Liability, $20,000 per accident Property Damage Liability

$1,000 per accident Medical Payments, $25,000 per person/$50,000 per accident Uninsured Motorist

$250 deductible Comprehensive, $500 deductible Collision

Seventeen year-old single male. Clean driving record. Good student (“A” average) with driver’s education. Drives 10 miles round trip

to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car and good student discounts if

applicable.

Carson

Las

North Las

City

Elko Fallon Henderson

Vegas

Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449

Allstate Fire & Casualty Ins. Co. $1,346 $1,263 $1,250 $1,926 $2,556 $2,632 $1,749 $1,321 $1,328

American Access Casualty Company $5,419 $14,516 $7,536 $7,664 $7,222 $10,767 $6,471 $6,905 N/A

American Family Connect Property and Casualty Ins. Co.

$935 $955 $930 $1,485 $2,035 $2,109 $1,196 $1,079 $1,151

American Family Ins Co $1,271 $1,835 $1,431 $2,009 $2,798 $2,904 $1,929 $1,486 $1,199

American National General Insurance Company $1,383 $1,411 $1,312 $2,081 $2,691 $2,936 $1,992 $1,642 $1,393

COUNTRY Preferred Insurance Company $2,128 $1,638 $1,636 $2,751 $3,367 $3,482 $2,153 $2,160 $1,996

CSAA General Insurance Company $1,341 $1,416 $1,463 $2,098 $2,508 $2,911 $2,088 $1,567 $1,900

Farmers Insurance Exchange $2,636 $2,639 $2,391 $6,802 $6,592 $8,529 $7,774 $3,524 $3,001

Garrison Property and Casualty Insurance Company $1,894 $1,874 $1,581 $2,381 $2,654 $2,665 $1,898 $1,998 $1,919

GEICO Secure Insurance Company $659 $699 $699 $1,104 $1,437 $1,570 $938 $699 $659

Key Insurance Company $2,092 $3,700 $3,700 $4,474 $4,816 $5,554 $4,576 $2,278 $2,758

Liberty Mutual General Insurance Company $1,216 $1,311 $1,647 $3,063 $3,834 $3,993 $2,894 $2,084 $1,560

Mercury Casualty Company $511 $544 $566 $797 $1,087 $1,114 $860 $698 $637

Midvale Indemnity Company $1,228 $1,811 $1,395 $2,020 $2,916 $3,017 $1,941 $1,428 $1,133

Nevada Capital Insurance Group $1,068 $1,091 $1,073 $1,464 $1,865 $2,006 $1,320 $1,245 $1,336

Noblr Reciprocal Exchange $490 $525 $493 $696 $981 $997 $701 $627 $593

Progressive Direct Insurance Company $807 $880 $808 $1,159 $1,632 $1,683 $1,087 $1,080 $952

Progressive Northern Insurance Company $976 $1,063 $973 $1,455 $2,077 $2,132 $1,354 $1,332 $1,175

Root Insurance Company $2,654 $2,311 $2,420 $4,036 $5,285 $5,987 $3,855 $3,170 $2,623

Safeco Insurance Company of Illinois $1,449 $1,440 $1,265 $2,412 $2,993 $3,483 $2,055 $1,697 $1,294

State Farm Fire and Casualty Company $3,295 $3,090 $2,772 $4,526 $6,210 $6,172 $3,347 $2,998 $4,085

State Farm Mutual Automobile Insurance Company $2,126 $1,970 $1,767 $2,997 $4,144 $4,119 $2,186 $1,930 $2,601

The Standard Fire Insurance Company $2,008 $2,052 $1,866 $3,031 $3,673 $4,279 $2,717 $2,261 $2,714

United Services Automobile Association $1,704 $1,740 $1,443 $2,126 $2,408 $2,434 $1,727 $1,838 $1,760

USAA Casualty Insurance Company $1,557 $1,665 $1,311 $1,989 $2,218 $2,231 $1,616 $1,575 $1,599

USAA General Indemnity Company $1,571 $1,588 $1,342 $1,986 $2,250 $2,232 $1,630 $1,622 $1,623

American Access Casualty Company only writes minimum limits and does not split deductibles. $500 used for Comprehensive and Collision. Stateline is not a current territory.

This company does not write more than 1 DUI occurrence.

American Access Casualty Company did not offer information for example F.

American Family Connect Property and Casualty Insurance Company did not offer information for example F.

American National General Insurance Company did not offer information for example F.

Country Preferred Insurance Company did not offer information for the following examples: B, C, F.

GEICO Secure Insurance Company did not offer information for example F.

Hartford Insurance Company of the Midwest did not offer information for the following examples: A, B, C, D, E, F, J, K, L, M, N, O.

Key Insurance Company does not offer these increased limit examples and does not offer $250 deductibles for Comprehensive Coverage. $500 deductible used for

Comprehensive instead. Option 1 PD Liability Rate includes the $12 billing fee.

Noblr Reciprocal Exchange did not offer information for example F.

Primero Insurance Company does not offer $250 deductibles for Comprehensive Coverage. $500 deductible used for Comprehensive.

State Farm Fire and Casualty Insurance Company did not offer information for either vehicle for Option 1 PD Liability, and did not offer information for example F.

State Farm Mutual Automobile Insurance Company did not offer information for either vehicle for Option 1 PD Liability, and did not offer information for examples D, F, J, K, L.

The Standard Fire Insurance Company did not offer information for Vehicle 1, Option F.

The Standard Fire Insurance Company did not offer information for Vehicle 2, Option C, D, F, G, H, I, J, K, L, P, Q, R.

USAA Group is primarily available to children of USAA members, active-duty officers and enlisted personnel, National Guard and Selected Reserve officers and enlisted

personnel, and retired or separated military personnel.

EXAMPLE A - Liability OPTION 2 - NISSAN ALTIMA

Vehicle 1: 2022 Nissan Altima, 2.5SL, I4 16V GDI DOHC, Front-Wheel Drive, Automatic CVT Transmission, 4-door

Coverages:

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability

$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist

$250 deductible Comprehensive, $500 deductible Collision

Seventeen year-old single male. Clean driving record. Good student (“A” average) with driver’s education. Drives 10 miles round

trip to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car and good student discounts if

applicable.

North

Carson

Las

City

Elko Fallon Henderson

Vegas

Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449

Allstate Fire & Casualty Ins. Co. $1,490 $1,350 $1,364 $2,258 $3,132 $3,216 $1,999 $1,436 $1,461

American Family Connect Property and Casualty Ins. Co.

$1,171 $1,196 $1,172 $1,931 $2,700 $2,767 $1,529 $1,357 $1,458

American Family Ins Co $1,419 $2,092 $1,615 $2,330 $3,376 $3,518 $2,215 $1,669 $1,323

American National General Insurance Company $1,588 $1,590 $1,505 $2,511 $3,253 $3,568 $2,357 $1,882 $1,588

COUNTRY Preferred Insurance Company $2,239 $1,724 $1,722 $2,921 $3,591 $3,713 $2,273 $2,277 $2,016

CSAA General Insurance Company $1,458 $1,519 $1,566 $2,393 $2,912 $3,350 $2,302 $1,695 $2,062

Farmers Insurance Exchange $3,426 $3,463 $3,224 $9,963 $9,265 $12,625 $11,790 $5,025 $3,887

Garrison Property and Casualty Insurance Company $2,230 $2,188 $1,875 $2,969 $3,317 $3,337 $2,271 $2,363 $2,224

GEICO Secure Insurance Company $986 $1,024 $1,024 $1,957 $2,646 $2,964 $1,596 $1,024 $986

Liberty Mutual General Insurance Company $1,626 $1,671 $2,144 $4,454 $5,800 $6,219 $4,272 $2,806 $1,992

Mercury Casualty Company $651 $680 $721 $1,086 $1,543 $1,605 $1,151 $904 $806

Midvale Indemnity Company $1,401 $2,119 $1,613 $2,401 $3,603 $3,743 $2,288 $1,644 $1,278

Nevada Capital Insurance Group $1,262 $1,288 $1,283 $1,803 $2,353 $2,529 $1,594 $1,491 $1,602

Noblr Reciprocal Exchange $675 $688 $663 $1,094 $1,626 $1,632 $1,064 $887 $791

Progressive Direct Insurance Company $1,187 $1,237 $1,159 $1,968 $2,935 $3,025 $1,779 $1,635 $1,397

Progressive Northern Insurance Company $1,373 $1,440 $1,341 $2,288 $3,417 $3,523 $2,067 $1,911 $1,634

Root Insurance Company $3,544 $2,970 $3,210 $5,820 $7,791 $8,804 $5,428 $4,313 $3,424

Safeco Insurance Company of Illinois $1,706 $1,719 $1,507 $3,201 $4,141 $4,783 $2,697 $1,948 $1,535

State Farm Fire and Casualty Company $3,912 $3,595 $3,243 $5,630 $7,786 $7,776 $4,015 $3,540 $4,727

State Farm Mutual Automobile Insurance Company $2,549 $2,315 $2,086 $3,756 $5,233 $5,224 $2,653 $2,301 $3,044

The Standard Fire Insurance Company $2,148 $2,166 $1,969 $3,480 $4,349 $5,048 $3,059 $2,467 $3,052

United Services Automobile Association $1,919 $1,937 $1,632 $2,531 $2,870 $2,904 $1,987 $2,077 $1,944

USAA Casualty Insurance Company $1,774 $1,865 $1,499 $2,398 $2,680 $2,698 $1,874 $1,790 $1,790

USAA General Indemnity Company $1,831 $1,831 $1,569 $2,451 $2,779 $2,765 $1,937 $1,884 $1,861

American Access Casualty Company did not offer information for either vehicle for Option 2.

American Family Connect Property and Casualty Insurance Company did not offer information for example F.

American National General Insurance Company did not offer information for example F.

Country Preferred Insurance Company did not offer information for the following examples: B, C, F, G.

GEICO Secure Insurance Company did not offer information for example F.

Hartford Insurance Company of the Midwest did not offer information for the following examples: A, B, C, D, E, F, J, K, L, M, N, O.

Key Insurance Company does not offer these increased limit examples and does not offer $250 deductibles for Comprehensive Coverage. $500 deductible used for

Comprehensive instead. Option 1 PD Liability Rate includes the $12 billing fee.

Noblr Reciprocal Exchange did not offer information for example F.

State Farm Fire and Casualty Insurance Company did not offer information for either vehicle for Option 2 PD Liability, and did not offer information for example F.

State Farm Mutual Automobile Insurance Company did not offer information for either vehicle for Option 2 PD Liability, and did not offer information for examples D, F, J, K, L.

The Standard Fire Insurance Company did not offer information for Vehicle 1, Option F.

The Standard Fire Insurance Company did not offer information for Vehicle 2, Option C, D, F, G, H, I, J, K, L, P, Q, R.

USAA Group is primarily available to children of USAA members; active-duty officers and enlisted personnel; National Guard and Selected Reserve officers and enlisted

personnel; and retired or separated military personnel.

EXAMPLE A - Liability OPTION 1 - CHEVROLET COLORADO

Vehicle 2: 2019 Chevrolet Colorado Z71, Crew Cab, 308 HP 3.6L V6, Four-Wheel Drive, 8-speed Automatic Transmission, 4-door

Coverages:

$25,000 per person/$50,000 per accident Bodily Injury Liability, $20,000 per accident Property Damage Liability

$1,000 per accident Medical Payments, $25,000 per person/$50,000 per accident Uninsured Motorist

$250 deductible Comprehensive, $500 deductible Collision

Seventeen year-old single male. Clean driving record. Good student (“A” average) with driver’s education. Drives 10 miles round trip

to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car and good student discounts if

applicable.

Carson

Las

North Las

City

Elko Fallon Henderson

Vegas

Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449

Allstate Fire & Casualty Ins. Co. $1,597 $1,548 $1,507 $2,223 $2,928 $3,020 $2,034 $1,579 $1,588

American Access Casualty Company $7,386 $19,797 $9,610 $9,576 $9,092 $12,959 $8,442 $8,787 N/A

American Family Connect Property and Casualty Ins. Co.

$690 $710 $682 $1,042 $1,380 $1,433 $873 $804 $847

American Family Ins Co $1,213 $1,774 $1,372 $1,962 $2,787 $2,881 $1,859 $1,410 $1,126

American National General Insurance Company $944 $959 $888 $1,439 $1,864 $2,014 $1,356 $1,128 $959

COUNTRY Preferred Insurance Company $1,556 $1,188 $1,189 $2,068 $2,540 $2,629 $1,608 $1,596 $1,399

CSAA General Insurance Company $1,059 $1,090 $1,119 $1,695 $2,080 $2,362 $1,628 $1,223 $1,485

Farmers Insurance Exchange $2,034 $2,046 $1,792 $4,862 $4,912 $6,053 $5,169 $2,500 $2,317

Garrison Property and Casualty Insurance Company $1,616 $1,577 $1,337 $2,070 $2,311 $2,309 $1,614 $1,704 $1,622

GEICO Secure Insurance Company $572 $597 $597 $1,013 $1,331 $1,456 $846 $597 $572

Key Insurance Company $4,006 $5,614 $5,614 $7,150 $7,972 $8,422 $6,772 $4,570 $7,060

Liberty Mutual General Insurance Company $1,077 $1,127 $1,438 $2,835 $3,566 $3,711 $2,635 $1,862 $1,376

Mercury Casualty Company $384 $404 $424 $594 $803 $817 $639 $522 $479

Midvale Indemnity Company $1,274 $1,900 $1,455 $2,125 $3,092 $3,188 $2,029 $1,478 $1,166

Nevada Capital Insurance Group $929 $940 $937 $1,304 $1,692 $1,810 $1,148 $1,092 $1,175

Noblr Reciprocal Exchange $570 $606 $571 $822 $1,155 $1,170 $822 $732 $695

Progressive Direct Insurance Company $634 $683 $629 $924 $1,288 $1,318 $856 $845 $763

Progressive Northern Insurance Company $736 $788 $724 $1,119 $1,588 $1,619 $1,027 $1,003 $904

Root Insurance Company $3,345 $2,933 $3,057 $5,083 $6,674 $7,594 $4,877 $4,042 $3,310

Safeco Insurance Company of Illinois $1,266 $1,265 $1,109 $2,193 $2,684 $3,125 $1,809 $1,478 $1,135

State Farm Fire and Casualty Company $2,716 $2,518 $2,258 $3,813 $5,265 $5,221 $2,785 $2,459 $3,330

State Farm Mutual Automobile Insurance Company $1,779 $1,627 $1,461 $2,566 $3,567 $3,538 $1,844 $1,605 $2,151

The Standard Fire Insurance Company $1,764 $1,791 $1,639 $2,690 $3,259 $3,767 $2,395 $1,979 $2,389

United Services Automobile Association $1,429 $1,441 $1,204 $1,823 $2,068 $2,084 $1,453 $1,540 $1,458

USAA Casualty Insurance Company $1,330 $1,393 $1,113 $1,738 $1,941 $1,946 $1,382 $1,338 $1,350

USAA General Indemnity Company $1,344 $1,343 $1,137 $1,729 $1,964 $1,938 $1,395 $1,379 $1,377