10 Must-Ask Questions Before Buying Car Insurance in Las Vegas (Don’t Get Caught Without These Answers!)

10 Policy Questions You Should Ask About Car Insurance (Las Vegas & Henderson Edition)

Car insurance isn’t just a box to check—it’s your peace of mind on the busy streets of Las Vegas and Henderson. Rates and rules change often, so asking the right questions up front helps you get a policy that actually fits your life and budget. Use this checklist to shop smarter and drive with confidence.

1) What are Nevada’s minimum car insurance requirements?

Nevada requires liability coverage: $25,000 per person / $50,000 per accident for bodily injury, and $20,000 for property damage. There’s no grace period—even a one-day lapse can risk fines or registration suspension.

2) Do I need more than the minimum?

Minimums are a legal starting line, not full protection. In a city with costly repairs and active roads, ask about collision, comprehensive, and uninsured/underinsured motorist (UM/UIM) coverage to avoid big out-of-pocket surprises.

3) What exactly does “full coverage” mean?

It’s not a legal term. Usually it’s liability + comprehensive + collision. Confirm what’s included/excluded and how it applies to real-world Vegas/Henderson scenarios like theft, vandalism, storms, or at-fault crashes.

4) How do my vehicle and driving habits affect my premium?

Year, make, model, safety features, mileage, and where you drive (Downtown LV vs. a Henderson subdivision) all matter. Ask how small changes—mileage, safety tech—could lower your rate.

5) Will moving or big life changes affect my policy or price?

New home, job, marriage, a move across town—different ZIPs have different risks. Ask how life events impact pricing, discounts, or needed coverage updates.

6) What discounts could I qualify for?

Common options: safe driver, defensive-driving course, multi-policy/multi-vehicle, pay-in-full, anti-theft, good student. In a high-cost market, stacking discounts helps.

7) Are there hidden fees or penalties?

Request a fee breakdown. Some carriers charge for monthly billing, late payments, policy changes. If you prefer no broker fees, confirm it.

8) What if I’m hit by an uninsured/underinsured driver?

Vegas/Henderson see many underinsured drivers. Make sure you carry UM/UIM and know your limits and payouts after deductibles.

9) Are extras like rental car coverage or roadside assistance included?

If your car’s in the shop due to an accident/claim, will you get a rental? Is roadside part of the plan? These low-cost add-ons can be lifesavers when the unexpected happens.

10) Am I reviewing my policy regularly for the best fit?

Revisit coverage annually (or after life changes, new vehicles, teen drivers, etc.). Policies aren’t set-and-forget—staying proactive keeps protection and pricing aligned.

Take action: get coverage that fits your Nevada life

You deserve clarity and control. Our GEICO Exclusive Agency has 140+ years of combined experience, no broker fees, and friendly help in English, Spanish, or Japanese. If you want straightforward answers and a personalized quote or policy review, reach out—like a good neighbor would.

You’ve got the questions—now you’ve got the answers. Let’s make your car insurance work hard for you in 2025 and beyond.