Car Insurance in Paradise
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Making Your Way Around Paradise
Paradise is an unincorporated town located near Las Vegas in Clark County, Nevada. Having over 191,000 residents. Paradise would be the fifth-largest city in the state if it were incorporated. Many of the venues that are billed as a part of Las Vegas are actually in Paradise, including the Harry Reid International Airport, the University of Nevada Las Vegas and most of The Strip. Whether you're watching the Fountains at Bellagio or attending a conference at the Las Vegas Convention Center, you're literally in Paradise.
There's no shortage of things to do while in Paradise. Sports enthusiasts can watch the Golden Knights (NHL) at the T-Mobile Arena, the Raiders (NFL) at Allegiant Stadium or the Aces (WNBA) at the Michelob Ultra Arena. In 2022, almost 40 million people visited the Paradise area. At any given moment, there are many people negotiating the streets of Paradise, despite the presence of bus and monorail systems. Having car insurance in Paradise helps make driving around here much less of a gamble.
Understanding the Need for Insurance
In Paradise, the sheer number of visitors to the area puts you at significant risk of a vehicular collision. To meet the needs of a growing population and to expand tourist-based business, the area sees a lot of road and infrastructure construction projects, increasing traffic congestion, lane closures and the risk of an accident. More pedestrians are dying from vehicular collisions in Clark County. Could you afford to pay out of pocket for injuries and property damage after a car accident?
Knowing Your Responsibility
By law, Nevada drivers are required to have insurance that meets these minimum coverage levels :
- $25,000 for bodily injury or death per person per accident
- $50,000 for bodily injury or death per two or more people per accident
- $20,000 for property damage to others
This minimum level of insurance may be insufficient if you're ever in a collision, especially if your car is totaled or you sustain major injuries that prevent you from working and earning income. A more complete plan for car insurance in Nevada should include these benefits :
- Collision: Pays for damage to your vehicle, irrespective of who is at fault
- Comprehensive:Covers losses due to theft, fire, vandalism and other perils specified in your policy
- Medical payments:Provide coverage for your medical bills and your passengers or if you're struck as a pedestrian
- Uninsured/underinsured motorist:Protects you from losses related to a collision with an at-fault driver who has too little insurance or none at all
When you compare rates with VIU by HUB, you can make sure you're getting the coverage you need at a price that works for your budget.
Protecting Yourself
On average, Paradise drivers pay $2,434 for full coverage each year. This is above the national average of $2,008 but below the state average. Your annual premium will be determined based on the following:
- Age:Younger drivers are less experienced and pay significantly more for coverage.
- Marital status:Married drivers usually pay less than single drivers.
- Gender:Women usually pay less than men of a similar age.
- Driving record:Drivers with speeding tickets, accidents and other violations will pay higher rates.
- Vehicle:The make, model and condition of your vehicle directly impacts your premium.
Having a high credit score and living in low-crime areas can lower your premium. Many insurers offer discounts to save you money. VIU by HUB helps you figure out what's available and compare similar coverage levels to make sure you're getting the best price. Start your new plan for car insurance in Paradise today.
This information is intended for general informational purposes only and is not intended to constitute legal advice.