I kind of need some help in keeping my auto insurance rates here in Nevada as cheap as possible, how do I do that?

River

Henderson, NV

In order for you to keep your auto insurance in Nevada as cheap as possible, the first thing that you have to take care of is the type of vehicle that you drive. If you are driving a fancy sports car or a high-powered vehicle, chances are you can assume that your auto insurance is expensive. The more expensive your vehicle is, the more expensive your auto insurance payment every month would be.

Then you would also have to take care of your driving record because any traffic violation would make the monthly premium on your auto insurance in Nevada to sky rocket. Try as much as possible as well to lower the number of miles that you drive so that you may be offered a low-mileage discount.

You also have to decide on the deductible that you will choose and if you would like to get the cheapest auto insurance, get ready to pay the highest deductible you could afford.

At this time, you can go online and begin comparing auto insurance coverage and rates that are available for you. For you to get an exact picture of the situation and to make sure that you get the cheapest premium for your auto insurance, you have to make a side-by-side comparisons on at least three various auto insurance Websites.

I’m only learning how to drive so I’ve only got a learner’s permit. I actually just got it today. Is it some kind of a violation for me not to purchase coverage from an automotive insurance company? What are the rules in New York?

Vincent

Babylon, NY

It’s not a violation, Vincent. In fact, I think you can’t purchase coverage from an automotive insurance company with only a learner’s permit. Of course, we’re only talking about New York. Go to another state and the rules would change altogether. So if you’re thinking of only using the car within New York then the best thing to do is to be listed as one of the drivers of the family. I assume your parents have automotive insurance coverage for the car that you are using. In that case, they are required to notify the insurer of there is a new driver in the family, even though he or she is just a learner. If you plan to drive out of state, I think you need to have a licensed driver on your passenger seat. He or she should be over 21 years old. Just to be on the safe side (automotive insurance is confusing business), research the regulations of the state you want to visit.

By the way, now that you’re learning how to drive, it would also be a good idea to take an actual driving course and strive to get good marks. I’m sure your parents would agree. This would save you guys some money on automotive insurance premium.

Being a first time buyer of auto insurance, I don’t really know the ins and outs of the business. What are the things that I have to decide on when buying my auto insurance here in Indiana?

Derek

South Bend, IN

There are a lot of things that you have to decide on when you are buying auto insurance in Indiana for the first time. First, you need to make a decision on the type of coverage that fits you and your car. This means that you may just get liability coverage for your auto insurance which will pay for the injuries and damages you cause to other people as well as other properties. You may also opt to have full coverage for your auto insurance which includes benefits such as roadside assistance, towing, uninsured/underinsured motorist coverage, etc.

If you already know the type of coverage you want for your auto insurance, you have to shop around for different quotes. You could get a lot of quotes for your auto insurance from comparison websites which would allow you to submit your information just once and then you will get quotes from different insurers for you to compare. As a first time buyer for auto insurance, be reminded that you need to consider the way you drive your vehicle and your budget. Be sure that you don’t have a lot of points on your driver’s licence if you want to pay less for your auto insurance. You will also encounter some insurers that are aggressive in selling you auto insurance, but don’t get scared. If they are forcing you to add coverage on your auto insurance plan other than those you have already chosen, just tell them it doesn’t go well with what you’ve expected to have on your plan.