Nevada car insurance is among the least expensive in the United States. This promotes the affordability of car insurance for most state occupants. There are various factors that lead to increased car insurance rates in Nevada. They include different area codes, driving history, DUI conviction, insurance history, and coverage level. These factors are further explained below.
A DUI conviction in Nevada
A DUI conviction often leads to a significant increase in your insurance rate- the question is by how much? Read on to find out. In Nevada, DUI is a great offense that is discouraged through increased insurance rates. This offense can raise your car insurance by an average of $903 due to the penalties involved.
The DUI laws in Nevada have categorized DUI in the following ways.
- Under 21 drivers (not legally allowed to drink) are DUI when their blood alcohol concentration (BAC) measures 0.02%.
- Commercial drivers are DUI when they have 0.04% or higher BAC concentration.
- Other drivers are DUI when they have 0.08% or higher BAC concentration.
A DUI also makes it very hard for you to purchase car insurance from a reliable Nevada car insurance company after conviction. The inflated rates are hard to afford because insurance companies consider you a high-risk driver.
Different area codes/ cities
Just like DUI, different area codes affect it’s rates. The state uses ZIP code to assist in customizing prices for different neighborhoods and cities in Nevada. Geographical areas that feature more drivers, adverse weather effects (inland flooding and wildfires), and crimes (theft and vandalism) have higher car insurance rates compared to unaffected areas.
If you are living in rural areas, you are more likely to enjoy lower Nevada car insurance rates compared to people living in urban areas. PIP (Personal Injury Protection) is not mandatory in Nevada, unlike other states. However, PIP is beneficial supplemental insurance for protection to all your passengers in case of an accident.
Your insurance history is crucial for companies when predicting your future driving performance. Driving uninsured is an indication of being a high-risk driver and this may call for higher insurance rates. Lack of consistency in car insurance payment also signifies higher risk and may result in increased car insurance rates.
This is a straightforward rating factor. If you have a history of reckless driving speeding tickets and DUI, Nevada car insurance companies will offer you increased rates for your insurance. This is because if these violations arise regularly, they may impact the insurance company greatly.
A history of long claims as viewed by Nevada car insurance companies as red flags. You should expect an increase in car insurance rates when the company pays out a claim.
Do you have a DUI conviction?
You need to weigh all the present insurance possibilities you have carefully after a DUI conviction carefully. Choose a company with Nevada car insurance you can afford. Now that you know how much DUI can raise your Nevada car insurance, strive to avoid driving under the influence of drugs and alcohol substances.