Auto Insurance
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How does Auto Insurance work?
Auto insurance works by providing financial protection if your car is damaged or you’re involved in an accident. You pay a monthly or annual premium to an insurance company, and in return, they help cover costs such as repairs, medical bills, or liability if you cause damage to others. Coverage types can include liability, collision, comprehensive, and uninsured motorist protection, ensuring you’re safeguarded against unexpected expenses on the road.
How much is Auto Insurance in Nevada?
In Nevada, the average cost of auto insurance varies depending on the level of coverage and several personal factors. Drivers can expect to pay around $2,400 to $3,300 per year for full coverage, which includes liability, collision, and comprehensive protection. Those who choose minimum liability coverage typically spend between $700 and $1,500 annually. Rates can differ based on factors such as location—urban areas like Las Vegas and Henderson often have higher premiums—along with driving history, credit score, and the type of vehicle insured. Overall, costs in Nevada tend to be above the national average due to dense traffic areas and higher accident rates.
How do Auto Deductibles work?
An auto insurance deductible is the amount you pay out of pocket before your insurance covers the rest of a claim.
For example, if you have a $500 deductible and $3,000 in damages, you’ll pay $500 while your insurer pays the remaining $2,500. Choosing a higher deductible typically lowers your monthly premium, while a lower deductible raises it but reduces your costs after an accident. Deductibles usually apply to collision and comprehensive coverage, not liability insurance.
Why do Auto Insurance Deductibles increase?
Auto insurance deductibles may increase for several reasons, such as rising repair costs, inflation, or changes in your policy to lower your monthly premium. Some drivers also choose to raise their deductible to reduce their insurance payments, accepting a higher out-of-pocket cost in the event of a claim.
Where can I get Auto Insurance?
Contact Feliciano Jiron Insurance Agency to explore your options for Auto Insurance and get a quote personalized to your needs!
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