What level of insurance coverage do I need?
The insurance coverage you need will vary on your individual needs and situation. Here are a few questions for you to consider when determining how much insurance is needed.
- How much do you think you can afford to pay in the event of a loss? We recommend you choose a deductible that you know you can pay out of pocket. You should be aware that you could be personally responsible for any damages that exceed the limits you have chosen.
- Do you have a lien holder on your vehicle? Depending on the lien holder, you might be required to have comprehensive and collision insurance, in addition to the Nevada State Requirements.
- You should consider the type of vehicle you are driving when choosing the limits of liability. We recommend having higher limits on vehicles such as SUV’s because the damages can be more extensive.
- If there are any members of the household with a valid Driver License, but they are not driving your vehicles, you can add them as list only on your policy. That means, you don’t have to insure them on your policy.
