Whitney, NV Auto Insurance
Drive with peace of mind when you are protected by Whitney auto insurance.
Whitney is a suburb of greater Las Vegas, yet it provides a homier feel than the nearby City of Sin. Residents and visitors who want a break from Vegas can find reprieve in various outdoor activities around Whitney, such as taking in the views from Mount Wheeler Peak.
Whitney has a population of around 45,000. Although winters are mild and it is extremely rare to see snow, the summers can be brutally hot and dry.
Whitney does not have much access to public transportation, so most people drive or carpool. Having a vehicle also makes it easier to visit surrounding sites or take a quick trip to the strip. Driving is relatively safe in the area, with an average of only 11 fatalities from car accidents, but it is still important to get adequate Whitney auto insurance.
Along with the normal risks that come with driving, there is an increased risk of drunk drivers in the area. In fact, Las Vegas and surrounding suburbs have experienced a 25% increase in alcohol-related crashes in the last couple of years. As such, protecting yourself and your vehicle with insurance is important.
Another reason is that it can be financially draining if one does not have adequate insurance. Drivers who get into a crash may be responsible for injuries and property damage if they are at fault. Depending on the severity of the accident, these expenses can be astronomical.
The state also requires that every driver obtain a minimum amount of insurance protection. If you want help with finding which insurance coverage is right for you, VIU by HUB can gather a variety of quotes from various insurance companies.
All drivers must carry liability insurance with a minimum coverage limit. For property damage caused to others, drivers must carry a minimum of $20,000 in coverage. For bodily injuries, drivers must carry a minimum limit of $25,000 per person and $50,000 per accident.
If related expenses are more than the minimum amounts, the at-fault driver is responsible for the difference out of pocket. Drivers can choose to increase the minimum coverage limits, which lowers their personal financial liability.
There are also additional options drivers can add to their policy. Medical payments and uninsured/underinsured motorist coverages help pay for medical expenses for you and your passengers. For property damage to your vehicle, there is collision and comprehensive insurance. Some companies may also offer coverage for rental car expenses, roadside assistance and glass repair.
The rate for Whitney auto insurance varies, but the average is around $2,500 per year. The specific coverage that is chosen is a major factor involved in total cost. Other factors include:
Once you receive the initial quote, ask the insurance company if it also offers discounts to help offset the rate. Discount examples include good student, safe vehicle features and bundling home and auto.
Because so many factors go into a Whitney auto insurance quote, let VIU by HUB help. They will reach out to different insurance companies on your behalf and obtain all their quotes. Then, you can compare them and choose the one that fits your budget and situation.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
