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What Affects Insurance Rates?

Your Nevada Driving Record directly affects your auto insurance rates, especially if you’ve been convicted of serious traffic violations, such as speeding or a DWI.  If you accumulate demerits on your Nevada Driving Record for traffic violations and/or accidents, you are considered a high-risk driver and will pay increased premiums.  Furthermore, if you have had your driver’s license suspended or revoked, you are required to submit an SR-22 Proof of Financial Responsibility and, in this case, an insurance company may ‘drop’ your coverage indefinitely.  


If you have had points assessed to your Nevada Driving Record or if you’d like to qualify for an insurance discount, it is wise to speak to your insurance agent about enrollment in a Defensive Driving course.  Some auto insurance companies offer discounts for your voluntary enrollment in and successful completion of a Defensive Driving course.


Your auto insurance rates can be positively affected, also, by:

  • Your status as a student
  • Having anti-theft devices installed on your vehicles
  • The distance you travel daily and the frequency of a vehicle’s use
  • A bundled package that included homeowner’s and auto insurance
  • Insuring more than one vehicle on a policy


Speak to your insurance agent about possible discounts that may be applicable to your circumstances; also, if you are in the market for a new auto insurance agency, do shop around and use your strengths to your advantage.

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