There is no way around it. Legally you are required to carry a certain amount of insurance just to drive on the streets and highways where you live. It seems as though rates just keep going higher and higher. There is some good news, though; here are some discounts available to drivers in Nevada that you may not even be aware of. Check with your insurance carrier to see if they include any of the following savings.
Bundling
Although it may be a new name for it, bundling is when you combine all of your insurance policies and bring them to the same company. You may consider adding any one or more of the following to your car insurance: life, health, homeowners and/or rental insurance to their company. And having everything under one roof makes it easier for you to keep track of.
Safe Driver
In order to be considered a safe driver, you should check with your insurance company as each one sets their own guidelines. Generally you must have a clean driving record for at least three years to get some kind of a discount. The amount of the discount increases every additional year that you go without getting a ticket or causing an accident. You could save anywhere from 10% to 20% just for driving defensively and paying attention to the rules of the road – no speeding, DUIs or reckless driving violations.
Good Student
To qualify for a good student discount you must be between the ages of 16 and 24, a full time student – high school or college – and maintain a minimum of a B average, a 3.0 grade point average or be on the Dean’s List or the Honor Roll. You can use your report card or a letter from your school as proof to receive this discount.
Safety and Anti Theft Equipment
There are a number of anti-theft devices available and if you have any of the following, you could receive a discount for having a safer vehicle: an alarm system, a LoJack Stolen Vehicle Recovery System, a steering wheel bar, fuel ignition shut off devices or window sketching (vin number is etched into the front windshield preventing thieves from altering the number).
Older Drivers
Conditions of this discount vary from company to company but generally drivers over the age of 50 can receive some kind of discount on their car insurance. Some companies require their mature drivers to take a driving course and give a discount upon completion of the class. Others give discounts to older drivers who are retired as they don’t spend as much time on the road and are considered less of a risk. And some companies even cut the cost of Personal Injury Protection on their drivers who are over 65 years old.
