Car Insurance in Reno, NV

We Compare Quotes From These Car Insurance Companies in Reno, NV

• Progressive
• Travelers
• Nationwide
• Hartford
• Safeco
• Badger Mutual
• Foremost
• American Modern
• Chubb
• Encompass
• Hagerty
• Mendota
• Gainsco
• Hallmark

Nevada Auto Insurance Terminology:

Below are some coverages to consider when you are researching for car insurance Reno. Balsiger Insurance has automobile insurance agents ready to help you make the best decision for you and your lifestyle.

Liability Insurance

Liability Insurance includes liability coverage for both bodily injury and property damage caused by you to another person or property. You will see this coverage listed as a split limit or combined single limit (CSL). The CSL means that the amount listed is the total available for any settlement. It can be any combination of property damage or bodily injury. We feel this is the best way to go if you purchase adequate coverage.

The split limit looks like this ($100,000/$300,000/$50,000) or some other combination of limits. In this case it means that your insurance company would pay up to $100,000 per person for bodily injury and a maximum of $50,000 for property damage. The most it would pay in any combination is $300,000. It is almost never a good idea to only purchase the state minimums!

Medical Expense

Medical Expense coverage provides limited protection for you and any occupants of your vehicle. This coverage can also cover you as a pedestrian. If you have health coverage you can make a decision to sign off and reject medical expense coverage. Your broker can help you determine if this makes sense.

Uninsured and Underinsured Motorist Coverage

Uninsured and Underinsured Motorist Coverage is optional in Reno Nevada. We normally suggest you carry as much coverage as possible as this steps in to protect you when the other party is at fault and has no coverage or insufficient limits to settle with you. You are able to come back and collect under your own policy. Keep in mind there are a lot of uninsured in Nevada.

Uninsured Motorist Property Damage

Uninsured Motorist Property Damage provides coverage for your vehicle when an uninsured motorist causes damage to your vehicle. This is usually not offered or purchased if you have collision coverage on your vehicle.

Collision Coverage

Collision coverage provides reimbursement for covered damages to your vehicle. This will pay regardless of fault. Collision covers losses caused by collisions with other vehicles, stationary objects and also hit and run damage from an unidentified cause. The deductible is what you pay before the insurance company starts paying. Of course, the higher your deductible the lower your premiums. Again it makes sense to work with your broker to determine the best automobile insurance buy for your situation.

Comprehensive Coverage

Comprehensive coverage covers losses that are more an act of mother nature such as floods, hail, wind, vandalism, fire and hitting an animal such as a deer. This coverage also normally applies some sort of deductible that you are responsible for. An option that you will want to discuss and consider is the addition of Full Glass coverage. This means that any glass loss is paid in full without the application of a deductible.

Emergency Road Service

Emergency Road Service or Towing provides reimbursement for exactly what it says. Many policies have some type of per occurrence limit that you will want to pay attention to.

Rental Reimbursement will pay up to a certain limit for a rental car when your vehicle is involved in a covered accident. There are other options available depending on the carrier such as vanishing deductibles, new car replacement, death & dismemberment, gap coverage and fancy packages that can make one carrier more attractive than another. Click here: for the Nevada Division of Insurance website.

Like any other car insurance coverage remember that not all policies are equal and there are pieces to consider other than just price. Contact Balsiger Insurance in Reno by calling 775-826-1559