Las Vegas Car Insurance

What's Covered In An Auto Policy
The auto policy can (but does not have to) include coverage for up to six distinct risks, each of which is priced separately. They are:
Bodily injury liability, for injuries the policyholder causes to someone else.
Medical, or in some states, Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.
Property damage liability, for damage the policyholder caused to someone else’s property.
Collision, for damage to the policyholder’s car from a collision.
Comprehensive, for damage to the policyholder’s car that doesn’t involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
Uninsured motorists coverage, for treatment of the policyholder’s injuries as a result of collision with an uninsured driver. No state requires car owners to carry insurance for all these risks. But many states require drivers to carry minimum amount of liability insurance for bodily injury and property damage, as well as personal injury protection coverage.

Buying Car Insurance for the First Time
Purchasing car insurance for the first time can be quite confusing. Huggins Family Insurance is here to help. A few items are needed to complete this transaction.
First the insured must be of legal age in the state the insurance will be purchased (usually age 16), must have a valid drivers license and own a vehicle in their own name (technically, you need the insurance prior to purchasing the vehicle and driving it off the lot). Once these requirements are met, insurance can be purchased.
Contact an insurance agent or insurance company to purchase a policy. A series of questions will be asked and must be answered truthfully in order to get the best rate. The information the agent will need is the following: Name, address, phone number, date of birth, driver’s license number, social security number, vehicle identification number, how far you travel to and from work/school, the insurance coverage you're looking for, and discounts available on the vehicle (the agent will ask these and you can answer yes or no).
The agent should be able to obtain a quote on the same day, however allow one day of lee time to make sure the agent can be thorough in getting the best coverage and price. We recommend that you obtain at least three insurance quotes to be sure you are making a fair comparison and determine the best price. Go to http://www.allstateagencies.com/CHuggins/Welcome and use the quote form to help with this process. Once your decision is made, you will need to sign applications and deliver a down payment to the agent. The agent will give you Identification cards for your vehicle to show proof of coverage.
After the insurance coverage is in force, take the proof to the department of motor vehicles (DMV) and register the vehicle with the necessary paperwork (title, driver’s license, insurance). The DMV will issue you license plates and temporary registration. Place the plates on the car and registration in the window and you’re all set to go. Now you just need to make the car and insurance payments to stay current.

DMV) We hope this helps. Good luck with your new car and drive safely.
Car Insurance Rate Factors that are Under Your Control
Did you ever wonder what the major factors that impact your insurance coverage are? Most people do. I am going to use a pretty broad brush to go over the factors that should concern you.
You.
Your Car.
Your Location.
You are one of the main factors in determining your car insurance rate. By 'you' I am referring to your age, your driving record, your education, and your accident history. What is it about 'you' that is under your control? Well, it isn't your age. It is your driving record and/or your loss history to some extent, but accidents and tickets aren't always under our control. Mainly I am referring to your ability to educate yourself by taking a defensive driving class. A defensive driving class could save you about 10% on your insurance premiums with most companies. The classes are usually about $30 and some employers will offer them for free.
Your Car doesn't have to be the latest 300hp sports coupe, or the very expensive to repair foreign SUV. You can select a car that costs less to insure and keep your rate down in the process. Now, you probably aren't going to win any races with a conservative vehicle, but in the long run, you will save a couple of bucks. Talk to your agent, or company, about the best vehicles in terms of insurance costs. You might be surprised to find that it isn't all about the cost of the vehicle. The safety rating and the average repair cost are also major factors in determining a rate. Shop for your next car with list in hand.
Your Location is going to be the factor that can cause the most swing in your insurance rate. You might be shocked at the difference in rate from one side of the street to the next (they have to draw the line somewhere). I have seen cases, where someone on one side of the street was paying $500 per year. If they moved across the street, they would have paid $1,500 per year. Most people who do not own their own home will move every couple of years. Be sure to talk to your agent about insurance costs from one area to the next. You would hate to sign a lease on a place that is $50 a monthly less, only to find that your insurance cost is now $100 a month more.
Of course, there is a bit more to it than that, but remember, this is the broad brush version of this story and if you want further detail, seek advice from an insurance company or agent, not a web article.
Please Contact Chris at 1-702-616-8384 or email Chuggins@allstate.com
http://www.allstateagencies.com/CHuggins/Welcome