Car insurance is a necessary expense for all drivers in Mesquite, NV. It is mandated by law to have car insurance to protect yourself and others in the event of an accident. There are many different types of car insurance available, and it can be confusing to understand what you need. In this article, we will discuss the different types of car insurance available in Mesquite, NV, and how to find the best rates for your needs.
Liability Insurance
Liability insurance is the most basic type of car insurance required by law. It covers damages and injuries that you may cause to others in an accident. This insurance does not cover damages to your own vehicle or injuries to you or your passengers. The state minimum for liability insurance in Mesquite, NV is $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $10,000 for property damage per accident. It is recommended to have more coverage than the state minimum to protect yourself in case of a serious accident.
Collision Insurance
Collision insurance covers damages to your own vehicle in the event of an accident. This insurance is not required by law, but it is recommended if you have a newer or more expensive vehicle. Collision insurance will pay for repairs or replacement of your vehicle, minus your deductible. It is important to choose a deductible that you can afford in case of an accident.
Comprehensive Insurance
Comprehensive insurance covers damages to your vehicle that are not caused by an accident, such as theft, vandalism, or natural disasters. This insurance is not required by law, but it is recommended if you live in an area with a high risk of theft or natural disasters. Comprehensive insurance will pay for repairs or replacement of your vehicle, minus your deductible.
Uninsured/Underinsured Motorist Insurance
Uninsured/Underinsured Motorist insurance covers damages and injuries that you may sustain in an accident caused by a driver who does not have enough insurance to cover the damages. This insurance is not required by law, but it is recommended if you want to protect yourself in case of an accident with an uninsured or underinsured driver.
Personal Injury Protection
Personal Injury Protection (PIP) insurance covers medical expenses and lost wages for you and your passengers in the event of an accident, regardless of who is at fault. This insurance is not required by law, but it is recommended if you do not have health insurance or disability insurance. PIP insurance will pay for medical expenses and lost wages up to the policy limit.
Finding the Best Rates
When shopping for car insurance in Mesquite, NV, it is important to compare rates from multiple providers. You can do this online or by calling insurance companies directly. Be sure to compare the same coverage options and deductibles to get an accurate comparison. You can also ask for discounts, such as a safe driving discount or a multi-policy discount if you have other insurance policies with the same provider.
Conclusion
Car insurance is an important expense for all drivers in Mesquite, NV. It is required by law to have liability insurance, but it is recommended to have additional coverage to protect yourself in case of an accident. Be sure to compare rates from multiple providers and ask for discounts to get the best rates for your needs.
