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How much time can you afford to spend shopping for auto insurance in Henderson? We can help you dramatically cut that shopping time.

We've designed a simple tool so you can input your zip code, and we'll get quotes for you from various insurance companies in the Henderson NV area that offer discounted rates.

That will allow you to use the time you'll save for something other than car insurance!

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Henderson Nevada Auto Insurance

In Henderson NV the liability insurance coverages you purchase ( which includes bodily injury liability coverage and property damage liability coverage ) can be purchased as combined single-limit coverage or as split-limit coverage. We will further explain what that means in a moment.

But first you should know that the minimum liability coverages required in the state of Nevada are: $15,000 bodily injury per person per accident; $30,000 total bodily injury per accident; and $10,000 property damage per accident.

If you decide to combine the coverages as single-limit coverage, you would add the $30,000 bodily injury amount with the $10,000 property damage amount. That would make a total of $40,000 limit for all damages paid out in an accident for bodily injury and property damages combined.

For those wishing to use local insurance agents in Henderson we include the following:

R. Fowler Agency
2470 Saint Rose Pkwy
Henderson, NV 89074
(702) 478-5720

Bonnie Grant Insurance Agency Inc
223 S Water
Henderson, NV 89015
(702) 558-8710

Cook Insurance Group
2016 W Sunset Rd Suite 120
Henderson, NV 89014
(702) 436-0088

Radkowski Ins Group LLC
10120 S Eastern Ave #237
Henderson, NV 89052
(702) 617-0187

Protection Agency

Should you have a complaint against an auto insurance company, your first step should be to contact that company first in an attempt to settle the matter. If however, your complaint isn't handled to your satisfaction, the state of Nevada provides Consumer Services Representatives to help you.

Bear in mind that these representatives cannot legally represent you against the insurance company, but they can investigate potential violations of insurance regulations/laws. The contact information for Consumer Services Representatives is provided below.

For Northern Nevada:

State of Nevada
Dept of Business & Industry
Division of Insurance
788 Fairview Dr, Ste 300
Carson City, NV 89701-5491
Phone 775-687-4270
Toll Free 800-992-0900 (ext 4270)

For Southern Nevada:

State of Nevada
Dept of Business & Industry
Division of Insurance
2501 E Sahara Ave, Room 302
Las Vegas, NV 89104
Phone 702-486-4009
Toll Free 800-992-0900 (ext 4009)

Rating & Underwriting

You may hear these two terms frequently used in reference to automobile insurance. But perhaps you've never really been told what they mean. Rating and underwriting are the two factors that determine what you pay for your insurance policy.

Rating is the term that is used to describe how your premium is determined based on you (as the driver) and on the characteristics of the vehicle(s) you are insuring.

In order to rate you, the following information is usually requested by the insurance company:

Gender & Age
Marital Status
Driving Record Last 3-5 Yrs
Address/Garaging Location
Vehicle Use & Annual Mileage
Prior Insurance History/Length
Make & Model of Vehicle

Underwriting is the term used to describe the process whereby an insurance company evaluates the risk that a driver poses. During this process, the company groups the applicant with other drivers who have similar characteristics, then determines whether to accept the application for insurance.

Check For Discounts

The following discounts may be available, so be sure to ask for them:

Good Student - Usually offered to students with a "B" average or better

Driver Ed/ Safety Course - For age 55 & older. Reduces premium for 3 yrs if driving record is kept clean.

Multi-line Discount - If homeowner's or life insurance is with the same company.

Safe Driver - An extended good-driving-record makes you eligible.

Non-Smoker - Many companies reward non-smokers with reduced premiums.

Anti-Theft Devices - Systems or equipment to deter vandalism/theft merit discounts.

The information we've provided is designed to help you become an informed consumer, so you can choose an insurance policy that's right for you.

Don't forget to enter your zip code above to get the quotes you need.

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