This publication was published by the Nevada Division of Insurance on
December 13, 2013
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Nevada Consumer’s Guide to Auto Insurance Rates About This Guide
Shopping for auto insurance is not easy. It takes time and effort and can be confusing. This
booklet is designed both to assist you in shopping for auto insurance and to help you understand
your personal auto policy. Since automobile insurance rates are based on each individual’s
unique circumstances, it is impossible in a booklet like this to list the various prices different
companies would charge you for automobile insurance. Instead, this booklet takes the approach
of listing several hypothetical personal circumstances as a context within which you may be able
to get a reasonable idea of what various insurance companies may charge you for insurance.
It is important to keep in mind that there are other factors to consider besides price when buying
insurance, such as the level of service provided. The premium prices in this booklet are based on
data supplied by the insurance companies listed. Your premium will vary depending on the
coverage you choose, your driving record, the type of vehicle you drive, your age and other
information. You may also choose to contact companies who are not listed in the rating examples
provided.
Near the end of this booklet is an alphabetical list of all companies that wrote business for
private passenger personal automobile insurance in Nevada during 2012. Also near the end of
this booklet is the Vehicle Insurance Shopping List, which may help you to compare several
companies at one time.
How to Use This Guide
To use this booklet, select the example with circumstances that most closely resemble your own,
then choose a ZIP code location near you. The lowest premiums are designated in bold numbers,
the highest premiums by bold italic numbers. These examples are only intended to illustrate the
difference in premiums. Also, please note that some of the companies listed may only offer
policies to members of certain affinity groups or organizations. Again, your premium is likely to
differ from the amount stated, depending upon your varying factors as mentioned above.
Check Before You Write a Check
It is important to verify that your auto policy is issued by a licensed and authorized Nevada
insurance agent and company. Be wary of people who attempt to sell phony auto insurance. If
you purchase insurance from an unlicensed or non-existent insurance company, you may not
have coverage needed when a claim arises. To verify that the insurance agent or company with
whom you are dealing is indeed licensed and authorized to offer insurance in Nevada, please
visit our website “License Look-up Tool” at doi.nv.gov or you can call 888-872-3234. Nevada
Insurance Commissioner Scott J. Kipper urges you to “check before you write a check.”
We hope this booklet meets your needs. If we can assist you in any way, contact information for
the Division of Insurance can be found on the following page.
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Contact Information
As the ultimate consumer protection agency on insurance issues, the Nevada Division of
Insurance exists to serve you. We can be a source of unbiased information and assistance to you.
If you do not understand any part of your insurance policy, please feel free to contact us.
If you have a complaint against an insurer, it is always best to contact your insurer first to
attempt to settle the matter. Most insurers have policyholder service officers to handle such
questions. If you still are not satisfied, contact the Nevada Division of Insurance, where a
Consumer Services representative will help you with your problem. Although they cannot
represent you legally against any insurer or adjuster, our Consumer Services representatives can
appropriately investigate potential violations of insurance law or regulations based upon your
complaint.
Contact our Consumer Services section as follows:
Northern Nevada Southern Nevada
State of Nevada State of Nevada
Department of Business & Industry Department of Business & Industry
Division of Insurance Division of Insurance
1818 College Pkwy., Suite 103 2501 East Sahara Ave., Room 302
Carson City, Nevada 89706-7986 Las Vegas, Nevada 89104
(775) 687-0700 (702) 486-4009
Toll Free in Nevada: (888) 872-3234 Toll Free in Nevada: (888) 872-3234
E-mail: [email protected] E-mail: [email protected]
Division of Insurance on the Web
doi.nv.gov
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Table of Contents
Acknowledgements ................................................................................................... 5
Introduction .............................................................................................................. 6
The Need for Automobile Insurance ...................................................................... 6
An Auto Insurance Policy ....................................................................................... 6
Common Terms Related To Personal Automobile Insurance ............................. 7
Buying Automobile Insurance ................................................................................ 9
Underwriting and Rating ........................................................................................ 9
Information Commonly Requested By Insurers for Rating .............................. 11
Credit-Based Insurance Scoring ........................................................................... 12
Discounts ................................................................................................................. 13
Financial Responsibility ........................................................................................ 14
Liability Insurance ................................................................................................. 15
Physical Damage Coverage ................................................................................... 16
Uninsured/Underinsured Motorist Coverage ..................................................... 17
Other Optional Coverages .................................................................................... 18
Operator’s Policy ................................................................................................... 20
Other Helpful Information .................................................................................... 20
Smart Shopping ...................................................................................................... 21
Seek Unbiased Information ................................................................................... 22
Price Quotes ............................................................................................................ 22
For Your Protection ............................................................................................... 22
Payment of Insurance Premiums ......................................................................... 24
Mid-Term Cancellation of Your Policy ............................................................... 24
Frequently Asked Questions ................................................................................. 25
Rate Comparisons .................................................................................................. 27
Rating Examples .................................................................................................... 28
List of Insurers Offering Auto Insurance in Nevada .......................................109
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Vehicle Insurance Shopping List ........................................................................112
Vehicle Accident Guide .......................................................................................113
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Acknowledgements
Cover photo: Crystal Canyon Blvd. in Cold Springs, Nevada; provided by M. Strong.
The Division of Insurance also would like to acknowledge the following insurance companies
for their participation and rate information, which is the backbone of this Auto Guide:
Allstate Fire and Casualty Insurance Company, Allstate Insurance Company, Allstate Property
and Casualty Insurance Company, American Access Casualty Company, American Family
Mutual Insurance Company, COUNTRY Mutual Insurance Company, COUNTRY Preferred
Insurance Company, GEICO Casualty Insurance Company, Hartford Insurance Company of the
Midwest, Infinity Auto Insurance Company, Liberty Mutual General Insurance Company, Mid-
Century Insurance Company, Nevada Capital Insurance Company, Nevada General Insurance
Company, Progressive Direct Insurance Company, Progressive Northern Insurance Company,
Primero Insurance Company, State Farm Fire and Casualty Company, State Farm Mutual
Automobile Insurance Company, United Services Automobile Association, USAA Casualty
Insurance Company, Viking Insurance Company of Wisconsin and Western United Insurance
Company (AAA Nevada Insurance Company).
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Introduction
Auto insurance is an expensive, but necessary, purchase for most Americans. This guide
provides information to consumers on how to make decisions that can lower the cost of their
automobile insurance and increase the value they receive.
A 2012 National Association of Insurance Commissioners (NAIC) report found that, across the
U.S. in 2010, the average premium people paid for private passenger auto insurance was $792
for each vehicle insured for one year. Nevada, by comparison, had an average premium per
vehicle of $931 annually.1 It goes without saying that automobile insurance is an important
purchase for most consumers. To get the best buy for your money, you must take responsibility
for your auto insurance purchase and make your decisions wisely. Hopefully, this guide will give
you the tools you need to make this important decision.
The Need for Automobile Insurance
Auto insurance is an important purchase for most drivers. There are three main reasons to buy
auto insurance.
To comply with Nevada state laws: The state of Nevada has mandatory auto liability insurance
requirements, subject to minimum limits that are described later in this guide. If an automobile is
driven without insurance, the driver could be fined, and the vehicle could be impounded.
To satisfy lenders: If a vehicle owner has a car loan, most lenders require full insurance to
protect their interest in the car. If the auto insurance lapses, the lender will likely add insurance
to the loan and insure the car for a much higher premium and much less coverage than the policy
purchased by the vehicle owner. The lender can require payment of this higher premium until
independent insurance is purchased by the vehicle owner.
To protect assets: Auto insurance can provide bodily injury and property damage liability
coverage for accidents which involve others and for which the driver is responsible. Liability
insurance will also pay the cost of an attorney to protect the driver if the driver is sued. It is
important to know that the amount that may be paid under the auto insurance policy is subject to
the policy limits selected for that policy.
Additional information is described later in this guide.
An Auto Insurance Policy
An auto insurance policy issued by an insurance company will have several parts.
The declarations/information page includes the policy number, the effective dates, the
details of the cars covered on the policy, the lien holder (if there is a loan on the car), the
coverages, coverage limits, associated premium, risk classifications and any discounts or
surcharges. It is also going to list where the car is garaged and contact details for your
1 2012 National Association of Insurance Commissioners: 2009-2010 Auto Insurance Database Report
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insurance company and agent. The declaration page may also contain information on any
traffic violations in the last 36 months that may have impacted the premium.
It is important to verify that all personal information, the type and amount of coverage,
and vehicle information (make, model, year, and manufacturer) are accurate. Any
discrepancies in this information can adversely affect the premium and should be
communicated to the insurance agent or the company immediately. If the declaration
page has a list of discounts applied towards calculation of the premium, it is important to
review these discounts to ensure that no applicable discounts are omitted.
The personal auto policy or policy form. This will be several pages long and will detail
in specific language what is covered, how those coverages are defined, the conditions of
the policy and if there are any exclusions. This may also include exception pages that
revise/change/modify the policy form. Some companies customize their policy forms to
match the coverages in a specific policy, while others list all available coverages. The
declarations/information page details which coverages were purchased.
Read the auto policy carefully to understand all coverages and exclusions. If there are
questions about the insurance policy, contact the insurance agent or company.
At least one copy of an insurance card should be included as proof of coverage. It is
important to keep this card in the car, as Nevada law requires the production of this card
when requested by law enforcement.
Common Terms Related To Personal Automobile Insurance
The following terms are important to know when shopping for automobile insurance:
Bodily Injury/Property Damage Liability – Nevada law requires that you carry liability
insurance. These coverages protect you if you injure someone else or damage someone else’s
property while operating your vehicle. This coverage would pay damages on your behalf to the
injured party. To activate these coverages, you must be legally liable for the injuries or damages.
Collision – This coverage protects against damage to your vehicle resulting from a collision,
regardless of who is at fault. It provides for repair of the damage to your vehicle or a monetary
payment to indemnify you for your loss. If the other driver is at fault, your insurance company
may have a legal right to seek reimbursement from the other driver or the other driver’s
insurance company for payments made to you under this coverage.
Comprehensive – This insures you against theft or other damage to your vehicle resulting from
causes other than collision. This can include wind damage, falling objects, fire, flood and
vandalism.
Collision and comprehensive coverages are subject to a deductible that you, as the insured,
would select. Other coverages that may be sold include towing, rental/reimbursement and
mechanical breakdown.
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Credit-Based Insurance Scores – A credit-based insurance score, sometimes known simply as
an insurance score, is a number, based on certain aspects of your credit history, that is used by
some insurance companies to help determine your insurance premium.
The credit-based insurance score has no relationship to credit scores used by lenders (such as the
FICO credit score) that are typically used to evaluate the credit-worthiness of a borrower. Many
insurers use their own methods to determine your credit-based insurance score, which means
there can be a wide variation in the impact of a credit-based insurance score on your premium
from insurer to insurer. Other insurers use credit-based insurance scoring models developed by
third-party vendors, such as Fair Isaac Corporation, LexisNexis and TransUnion.
Deductible – A deductible is a portion of a covered loss that is not paid by the insurer. The
deductible is subtracted from the amount the insurer would otherwise be obligated to pay you as
the insured. The deductible amount is selected by you. Generally, a higher premium is charged
for a lower deductible, and lower premium for a higher deductible.
Some insurers in Nevada offer a “vanishing deductible.” For each year you stay claim-free, the
insurer will reduce your deductible amount without increasing your premium. Effectively, the
insurer, and not you, will pay the “vanished” deductible if a loss occurs in future.
Diminution in Value – This refers to the possible reduced value of your vehicle as measured
before a loss to the vehicle and after the repair of that vehicle. The idea is, all other things being
equal, that a vehicle that has never been in an accident may, in some cases, be considered more
valuable than a fully repaired vehicle. If your insurance policy provides for collision or
comprehensive coverage under which your vehicle is being repaired, the loss to your vehicle will
be measured by the language in the policy, and may not include any diminution in value. For
claims against the negligent parties’ property damage liability policy, such loss of value may be
compensable under some circumstances.
Indemnify – To indemnify means to restore a party who has had a covered loss to the same
financial position that party held before the loss occurred.
Medical Payments – This coverage pays for reasonable and necessary medical expenses,
without regard to legal liability, resulting from accidental bodily injury while operating or
occupying an insured vehicle or being struck as a pedestrian by a motor vehicle. This “MedPay”
coverage is often purchased in nominal amounts, such as $1,000, to provide a means for quick
payment of minor medical bills without having to deal with the courts or other insurance
companies. An insurance company must offer this coverage because of Nevada Revised Statutes
(NRS) 687B.145(3), but you are not required by law to purchase this coverage.
Uninsured/Underinsured Motorist – This covers you, your resident relatives and occupants in
your insured vehicle if you or they get injured in an accident in which the owner or operator of
another motor vehicle is legally liable and does not have insurance (uninsured) or does not have
enough insurance (underinsured) to pay all of your loss. By law, your insurance company must
offer this coverage to you in an amount equal to your own liability limits (NRS 687B.145(2)).
However, you do not have to accept the offer. This coverage does not pay for damage to your
motor vehicle.
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Buying Automobile Insurance
When buying auto insurance, it is recommended that you seek advice from a qualified insurance
professional. There are three primary mechanisms for selling insurance: independent agents,
exclusive agents, and direct writers. Independent agents can sell insurance from multiple
unaffiliated insurers. Exclusive agents only sell insurance from the company or group of
companies with which they are affiliated. Direct writers are insurers that do not use agents as
intermediaries; rather, some of their employees are themselves licensed as agents in Nevada and
are authorized to sell insurance. Depending on your needs, some of these systems may be more
suitable for you than others. This booklet should be used as a tool to help you understand the
variables of the process and the value of insurance.
Bodily injury and property damage coverage (liability coverage) can be purchased as split-limit
coverage or as combined single-limit coverage. The two liability limits for bodily injury and
property damage shown in this booklet are for split-limit coverage of 15/30/10 ($15,000 per
person for bodily injury, $30,000 per accident for bodily injury, and $10,000 per accident for
property damage) and 100/300/50 ($100,000 per person for bodily injury, $300,000 per accident
for bodily injury, and $50,000 per accident for property damage). The minimum limits of
liability required by Nevada law are 15/30/10.
If you choose to purchase the liability coverage as a combined single limit, the liability limit for
bodily injury and property damage is combined (e.g.: $40,000 combined single limit – total
amount paid in the event of a loss for all bodily injury and/or property damage).
Comprehensive and collision coverages are not required by Nevada law and, in certain cases,
because of the age or condition of the automobile, may not be available. However, if you
borrowed money to purchase your automobile, your lender may require you to carry this
coverage until the loan is paid. You are not required to carry medical payments or
uninsured/underinsured motorist coverage, but all insurance companies are required by law to
offer you medical payments coverage of at least $1,000 and uninsured/underinsured motorist
coverage in an amount equal to your bodily injury coverage. If you plan to lease an automobile,
you should check your lease agreement to confirm insurance coverage required. Generally, these
agreements require that you carry liability coverage in the amount of $100,000 per person and
$300,000 per accident and may require you to carry property damage coverage in excess of the
$10,000 limit required by Nevada law. In addition, a leasing company generally requires
physical damage coverage be purchased and may even limit the deductible amount.
Underwriting and Rating
Two factors, underwriting and rating, govern what you will pay for auto insurance. These factors
analyze your characteristics and determine the risk that you present.
Underwriting – Insurance companies underwrite in order to assess the risk associated
with an applicant, group the applicant with other similar risks and decide whether the
company will accept the application.
Rating – Rating is the determination of premium based on the driver, automobile
characteristics, and selected amount/type of coverage.
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Insurers depend on the information you provide on your policy application. When you apply for
insurance, you will be asked a series of questions that assess the expected cost of insuring you.
This cost may be revised if the insurer is unable to verify the information provided or if the
insurer identifies new information.
Insurers want to know your past driving record and certain personal characteristics in order to
group you with other similar drivers. A rate for each group is set based on the historical claims
paid by the insurer for the people in that group. The higher the losses from a group, the higher
the rate for that group. Insurers review the claim history of your group to make projections about
future claims.
Some of the characteristics used to determine your group are beyond your control, such as age
and gender. Other characteristics relating to lifestyle and income, such as your geographic
location and use of the vehicle, also can affect your premium.
A group of characteristics that is easy for you to control, however, is the make and model of the
vehicle you wish to own and insure. A vehicle with few safety devices and a powerful engine
carries a greater risk of high claims than a less sporty but safer model. As a consumer, you have
control over the decision to own a high-risk vehicle.
Insurers also consider lifestyle characteristics, such as marital status, in the underwriting process.
From prior claims data, insurers’ statistics show that married persons tend to have lower claim
levels than unmarried persons. Under Nevada law, domestic partners are treated as “married” for
insurance rating purposes.
Finally, and perhaps most importantly, insurers often review loss reports. Information regarding
your home and auto insurance claims history for the past seven years (with one or multiple
insurance companies) is collected and compiled centrally by two separate entities, the
Comprehensive Loss Underwriting Exchange, commonly known as “CLUE,” and the Automated
Property Loss Underwriting Service, known as “A-PLUS.” The reports provided by these two
entities contain consumer claim information provided by the insurance companies. The reports
include policy information such as your name, date of birth and policy number; claim
information such as date of loss, type of loss and amounts paid; and a description of the property
covered. For homeowner coverage, the report includes the property address, and for auto
coverage, specific vehicle information. In other words, when you shop for auto or home
insurance, every company you approach has access to your entire loss history for the past seven
years. You can obtain a free copy of either report once a year. To find out more about the CLUE
report and how to obtain a free copy of the loss history maintained for you, go to
personalreports.lexisnexis.com or call, toll free: 1-866-312-8076. For a free A-PLUS report, call
1-800-627-3487.
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Information Commonly Requested By Insurers for Rating
1) Driving Record – On your policy application, you will be asked about your driving
record. Insurers will ask about accidents and traffic violations for any driver covered by
the policy for the preceding three to five years. Drivers with previous violations or “at-
fault” accidents are considered to be a higher risk and are charged a higher rate. Also, the
insurer likely will request a motor vehicle report from the Department of Motor Vehicles
(DMV) to compare against your application.
Some insurance companies offer “accident forgiveness” to certain insureds who meet the
eligibility criteria that can vary from insurer to insurer. This feature is offered either as
part of a standard auto insurance policy or as an additional coverage option
(endorsement). These options generally have additional charges associated with this
benefit. Accident forgiveness means that if you are responsible for causing an accident,
your premium will not increase due to that at-fault accident.
2) Territory – The claims experience in your geographical area also will affect your rates.
Policy applications include a question that asks for the address where the vehicle will be
garaged. From this information, insurers determine your territory or zip code whose rate
is based on historical experience for that territory or zip code. Generally, more claims are
made from urban areas – because of tendencies of busy traffic, thefts and vandalism –
than from rural areas.
3) Gender and Age – Statistically, males have more accidents than females. For this reason,
men may tend to pay more for insurance than women. Insurers also have statistics that
show a higher number of claims for some age groups than for others. For these reasons,
young men tend to pay more for insurance than young women, and a person under 25
will pay more for insurance than a 35-year-old.
4) Marital Status – Statistics show fewer auto insurance claims among married
policyholders than unmarried policyholders. Generally, married people pay a lower
premium than unmarried policyholders. Nevada law requires domestic partners to be
rated as married policyholders.
5) Prior Insurance Coverage – Insurers may ask if you have previously had insurance
coverage, because they want to know if you have ever been canceled (such as for non-
payment of premiums), or if you have ever had any lapse in your auto liability coverage.
Under Nevada law, if insurers ask for this information, they are required to also ask about
the reasons for any previous cancellation, nonrenewal, or adverse underwriting decision.
Insurers may not refuse to insure you or increase your premium solely on the basis of the
fact that a previous insurer has cancelled or refused to renew your coverage. However, an
insurer may seek additional information regarding such a previous decision, and this
additional information may be a factor in the insurer’s own underwriting or rating
decisions.
6) Vehicle Use – You will be asked on the application how often, how far and for what
purpose you drive the vehicle that you want to insure. The fewer miles you drive, the less
chance you have of getting into an accident. Some insurers also offer discounts for
drivers who participate in car pools.
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7) Usage-Based Insurance (UBI) – UBI is a relatively new methodology in the pricing of
auto insurance which is being offered by certain insurers in Nevada. This methodology
allows for discounts in your auto insurance premiums based upon the number of miles
you drive. Some companies require a device to be attached to the On-Board Diagnostics
(OBD-II). This telematic device transmits mileage and other information to the insurer.
Other insurers require scheduled “odometer reading” by the agent or other representatives
of the insurance company to verify the mileage. The technology behind the telematic
device has generated some concerns regarding the potential for violation of privacy rights
by tracking of movement of those who install the telematic device in their vehicles. The
programs approved for use in Nevada do not utilize GPS technology and cannot track the
exact location of the user.
8) Make and Model of Vehicle – The type of car you drive directly affects the cost of
comprehensive and collision coverage. It also can affect the cost of bodily injury and
property damage liability coverage. A make or model of car that has a high number of
claims or higher claim costs will be charged a higher premium. High claims costs are
generally associated with two types of vehicles: higher-valued vehicles, which are more
expensive to repair, and vehicles that have shown a higher severity of bodily injury losses
or physical damage losses in an accident.
The single greatest influence on the rating process is claim frequency. Claim frequency measures
how often an insured event occurs within a group relative to the number of policies contained in
that group. It does not mean how many times you have made an insurance claim, although that
will have an additional effect.
If you share characteristics with a high-claims group, you will be charged more for insurance
coverage. At the same time, people who share characteristics with low-claims classes will be
charged lower rates. However, it should be noted that the greatest controllable factor in
determining your rate is your driving record. A person with a clean driving record will pay less
than a driver with similar characteristics who has traffic violations.
Credit-Based Insurance Scoring Credit-based insurance scoring is used by most personal automobile insurers in Nevada. Your
credit information is used as one criterion to decide for what coverage you will be eligible and
how much premium you will pay. The insurance companies that use credit information assert
that this information helps them appropriately price the insurance risk they are undertaking.
There is a belief that credit-based insurance scores correlate with the risk of insurance losses, and
that credit-based insurance scores measure your financial responsibility, which is also an
indicator of responsibility in other areas of your life, such as driving. Further information on
credit-based insurance scoring is available by visiting the Division’s website at
http://doi.nv.gov/Consumers/Credit-Scoring-FAQs/
Nevada law requires insurers to provide you with an “adverse action” notice if the use of your
credit information adversely affects your insurance premium or contributes to a denial of
insurance. You have a right to request a free copy of your credit report from the vendor who is
listed on the adverse-action notice.
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Exceptions for Extraordinary Life Events
In 2011, the Nevada Legislature passed the Division’s omnibus bill, Assembly Bill 74 (AB 74).
If you have experienced or are continuing to experience certain extraordinary life events (ELEs)
that adversely impact your credit information, Section 30 of AB 74 requires insurers to provide
reasonable exceptions for such ELEs in the calculation of their insurance premiums. If your
credit information has been directly influenced by an ELE, you may submit a request to your
insurer in writing that your credit information not be considered in the underwriting and rating of
your insurance policy. The new law also requires insurers to notify you about the availability of
such reasonable exceptions and how you may request further information. The law provides that
the following events be considered as extraordinary life events.
1. A catastrophic event, as declared by the federal or state government;
2. A serious illness or injury to you or to an immediate family member;
3. The death of a spouse, child or parent;
4. Divorce or involuntary interruption of legally owed alimony or support payments;
5. Identify theft;
6. Temporary loss of employment for a period of 3 months or more, if it results from
involuntary termination;
7. Military deployment overseas.
If an event you are experiencing is not specifically listed above, contact your insurer and
describe the event that you are experiencing and how it may be adversely affecting your credit.
The law also allows insurers to consider “other events” as potential ELEs and gives the insurer
discretion on granting an exception.
Discounts
Insurance companies offer discounts to individuals who have certain characteristics. Discounts
are awarded because the insurance company views you as a “better risk.” Since not all insurers
offer the same discounts, you should be aware of the discounts offered by different companies
before buying auto insurance. Here are some discounts you should look for:
1) Multiple Vehicles – Most insurance companies offer a discount to consumers who insure
more than one car with their company. Companies offer this discount not only because
they want all of your business, but because it is easier for them to underwrite individuals
that they already know, therefore reducing their risk and saving them money. Industry
statistics show that individuals and families that insure more than one car have better-
than-average claims experience. Through this discount, companies pass along some of
their savings to you.
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2) Driver Education Courses – Discounts for driver education courses are targeted
primarily at older drivers. In Nevada, all insurers must provide a reduction in premium
for a three-year period for people 55 and older if they successfully complete a driving
course approved by the Nevada Department of Motor Vehicles. The insured must
maintain a clean driving record in order to keep this discount.
3) Good Student – Insurers have found that students who earn a “B” average or better tend
to be more responsible drivers. For that reason, many companies offer a “good student”
discount.
4) Safety Devices – Automobile safety devices can lower insurers’ costs by preventing
accidents or limiting their severity. These savings are passed along to the policyholder
through discounts for safety equipment. This equipment includes air bags, automatic seat
belts and stability controls.
5) Anti-Theft Devices – Devices or systems that deter theft or vandalism also lower claim
costs. Many companies offer discounts for anti-theft devices.
6) Good Driver/Loyalty – Insurers offer discounts to drivers who maintain a good driving
record and renew their policy with them.
7) Auto/Home Package or Multiple Policy Discount – Some insurers offer a discount on
one or both policies if an individual buys a homeowners’ policy and an auto policy from
the same insurer. Other insurers also offer a discount on auto rates for home ownership.
Some insurers also offer a discount for the purchase of homeowners’, auto and life
policies from the same insurer.
8) Dividends – Some insurers, particularly mutual insurers, offer dividends to policyholders
if the sale of auto insurance has been profitable to them. Dividends are declared and paid
after the policy period has expired.
9) Miscellaneous Discounts – Some insurers offer special discounts, which are applied in
conjunction with new policies only. These discounts are generally reflected in the price of
the new policy, tend to be applied at a lesser degree at each subsequent renewal and are
eliminated after a certain number of renewals (typically two renewals).
Discounts are not only a way for companies to attract customers, but also a means for companies
to compete and retain business. So, when you shop, ask about discounts offered and how
much money you could save. Remember, savings can differ from company to company. Make
sure you receive the discounts for which you qualify.
Financial Responsibility
To ensure that innocent parties are compensated for their injuries in the event of a car accident,
Nevada law requires all Nevada drivers to have security for liability arising from the use of their
vehicles. For most Nevadans, security will be in the form of an insurance policy.
Nevada law requires that your insurance policy must minimally provide coverage in the amount
of $15,000 for bodily injury or death of each person in an accident, $30,000 for bodily injury or
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death of all persons in an accident, and $10,000 for injury or damage to the property of others.
This coverage is generally described as 15/30/10. When you have liability coverage, your
insurance company will pay for the victim’s damages up to your policy limits. If you choose, you
can increase your liability coverage for added protection at an additional premium.
The penalty for not having mandatory liability auto insurance is severe. The Department of
Motor Vehicles administers the Insurance Verification Program, designed to eliminate uninsured
motorists on Nevada’s highways. NRS 482.480 requires you to pay a reinstatement fee to the
Department of Motor Vehicles Insurance Verification Program if you are the owner of a motor
vehicle that is registered, or should be registered, and are found guilty of operating, or allowing
someone to operate, your motor vehicle without liability insurance. The minimum penalty fee is
$250. Senate Bill 323 of the 2011 Nevada Legislature, which became effective on July 1, 2011,
enacted a graduated system of penalty fees and fines for lapses in vehicle liability insurance. The
fines increase for subsequent offenses and for longer periods of lapse, can be as high as $1,750,
and can be applied in addition to the suspension of the violator’s driver’s license. If you are
found to be without liability insurance by a law enforcement officer, the penalty will be
administered by a court of jurisdiction and generally is even more severe.
If you do not carry insurance, and you or someone using your motor vehicle with your
permission are involved in an accident, your registration and driver’s license may be revoked.
You also may be required to have an insurance company certify that you have insurance, which
must be continuously maintained for a three-year period. Most insurance companies charge an
additional fee for this certification (commonly called an SR-22).
Finally, if you were without insurance for any period of time, you may find it difficult to obtain
insurance you can afford. Many companies do not insure people who have not had insurance or
have allowed their insurance to lapse or expire. Other companies will simply charge you more
for insurance.
Remember, going without insurance can cost you much more than carrying the liability coverage
that is required by Nevada law.
Liability Insurance
Required by Nevada law
Most auto liability insurance policies contain the following major parts: liability insurance for
bodily injury, liability insurance for property damage and uninsured/underinsured motorist
coverage.
Bodily injury liability insurance does not protect you or your car directly if you are the cause of
an accident in which other people (third parties) are injured. This insurance protects you against
their claims for damages such as medical expenses, lost wages and pain and suffering. This
insurance coverage also will pay if a member of your family living with you caused the accident,
or if it was caused by a person using your car with your consent. Some insurance policies have a
“drop-down” provision which provides only the minimum liability limits for permissive drivers
that are not listed in the policy.
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Bodily injury liability insurance carries specific benefit limits. These limits address how much
money your insurance company is obligated to pay for any one victim injured in an accident, and
limits the amount the company must pay for multiple victims.
To make a smart consumer purchase, you must understand these limits for bodily injury liability
insurance. Remember: Nevada law requires that you carry limits of $15,000 for the bodily injury
or death of each person injured in an accident and $30,000 for the bodily injury or death of all
persons injured in an accident.
You may decide to purchase additional coverage. This decision may be based on your desire to
protect your assets from claims above the minimum amounts. The extra cost of higher coverage
tends to be relatively low.
Property damage liability insurance pays for damage you cause to the property of others, such as
a crushed fender, broken glass or a damaged wall or fence. Your insurance will pay for this
damage whether you are driving your automobile or whether it is being driven by another person
with your consent. Nevada law requires you to carry $10,000 for damage to the property of
others. However, you may decide to purchase higher property damage liability coverage at an
additional premium.
The policy liability limits also may extend to include a trailer that is designed to be pulled behind
a private passenger auto, pickup or van.
You may purchase higher limits of liability inexpensively under a personal umbrella policy. An
umbrella policy provides broad liability protection over and above your auto policy’s liability
limits. It can be written to include other insurance policies, such as your homeowner’s,
recreational vehicles, or other insurance products. It also will cover some areas that are not
covered by your auto or homeowner’s policies.
Many insurers require minimum coverage levels on your underlying auto or home policy before
writing an umbrella policy.
Physical Damage Coverage
Required by your lender if you have an auto loan
In addition to the basic liability coverages outlined above, the most commonly recognized
coverages are collision and comprehensive.
Collision Coverage
Collision coverage pays for physical damage to your car as the result of your auto colliding with
an object, such as a tree or another car. This coverage can be expensive and it is not required by
law. However, if your vehicle is financed or leased, your lending institution or lessor may require
that you carry collision insurance.
17
If you have an older vehicle worth less than $2,000, there is little reason for you to purchase
collision coverage, because you are likely to pay more money in premium than you would ever
receive as a result of a claim. The loss settlement agreement for collision coverage allows the
insurance company the option to pay for repair or replace your vehicle with like kind or quality.
Here’s an example:
Your vehicle is involved in a collision. It is determined that it will cost $10,000 to repair
the vehicle; however, the repaired vehicle value would only be worth $5,000. The
company is not responsible to repair the vehicle and can offer a cash settlement. If the car
is determined to be “totaled” in accordance with NRS 487.790, the insurer will pay you
the car’s fair market value at the time of loss including all applicable taxes, license fees
and other fees incident to transfer of ownership of the replacement vehicle.
Comprehensive Coverage
Comprehensive coverage pays for damage to your auto from almost all other causes, including
fire, severe weather, vandalism, floods and theft. Comprehensive coverage also covers broken
glass, such as windshield damage. This coverage is less expensive than collision coverage, and
many consumers choose to carry it. However, carrying this coverage is your choice; you are not
required by law to carry it.
When considering collision and comprehensive coverages, you should consider your deductible.
A deductible is the amount of money you agree to pay as your share of the cost of a claim before
the insurer is committed to pay the rest of the claim. For example, if you carried collision
coverage with a $200 deductible and you had a $500 loss, you would pay $200 and the insurance
company would pay the remaining $300.
Deductibles reduce your premiums because you agree to deduct an amount from the claim your
insurer otherwise would have to pay. Insurers offer deductibles because they reduce the number
of small claims that are costly for them to handle.
If you purchase a new car with a loan, the financial institution that lent you the money may
require you to purchase collision and comprehensive coverages. This is because the lender
considers your car as collateral for the loan, and it wants to make sure the car is worth something
if the lender needs to repossess the vehicle. In the event you have to buy – or decide to buy –
collision or comprehensive coverage, you can save money by agreeing to the highest deductible
you can comfortably afford to pay.
Most insurers will only sell comprehensive and collision coverages together and not separately.
Uninsured/Underinsured Motorist Coverage
Optional Coverage
Uninsured/underinsured motorist coverage (UM/UIM) protects you directly. This coverage pays
if you are injured by a hit-and-run driver, a driver who does not have auto insurance (uninsured)
or a driver whose policy limits are not high enough to cover your injuries (underinsured). This
coverage does not protect the other driver, and it does not cover damage to your vehicle.
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Nevada law does not require that you carry uninsured/underinsured motorist coverage. However,
Nevada law requires your insurance company to offer you uninsured/underinsured motorist
coverage in an amount not less than your limits of liability insurance for bodily injury described
above. You may choose not to purchase this coverage, or you may choose to purchase limits
lower than your bodily injury limits of liability. If so, you will be required to sign a waiver
indicating your decision.
Many insurers have started offering a separate uninsured/underinsured motorist property damage
coverage (UMPD) to protect your vehicle if it is damaged in an accident that is not your fault.
This coverage generally pays up to a certain level and may cover your portion of any applicable
deductible.
Other Optional Coverages
Be cautious when purchasing optional coverages, as they may duplicate coverage that you have
through other insurance policies. For instance, medical payments coverage may duplicate health
or disability benefits that you already buy individually or receive as a benefit through your job.
Before purchasing these coverages, review them and your other insurance policies carefully.
1) Medical payments coverage is an optional coverage. However, Nevada law requires that
your insurance company offer you at least $1,000 of this coverage. This coverage pays
for the medical and funeral expenses for you or others injured or killed in an accident
while driving or riding in your auto. Claims against this coverage include all reasonable
hospital, surgical, chiropractic, x-ray, dental, professional nursing, prosthetic and funeral
expenses. It also will cover you or members of your family if an auto strikes you while
walking or riding in another auto. This coverage will be paid even if you caused the
accident. Usually, only expenses incurred within a specified period of time after the
accident are covered.
2) Rental coverage is coverage for a driver of a rental vehicle against possible liability for
any accidental damage to that vehicle. The vendor may claim various elements of
damages including cost of repair, diminution – or reduction – of value and loss of use
with respect to a damaged rental vehicle.
Anyone who has occasion to rent a vehicle should learn whether his or her own
automobile insurance policy will pay a claim in case of accidental damage to the rented
vehicle. Most private passenger auto policies that provide collision coverage will cover
repair cost to a damaged rental vehicle subject to the policy deductible, but they do not
cover diminution of value or loss of use. Be sure to check your policy language or ask
your agent or insurer if you have this type of coverage before renting a vehicle.
Frequent users of rental vehicles should ask their insurance agents how their private
passenger automobile coverage extends to rental vehicles. In this context, the questions
asked and the answers received should be thorough. You may find some advantages to
purchasing the coverage available through the rental agency.
3) Rental/Reimbursement coverage usually pays $15 to $20 a day to rent a car for a
specific number of days while your vehicle is being repaired for damages incurred from
an accident, irrespective of fault. The premium varies from insurer to insurer.
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4) Guaranteed Asset Protection (GAP) Insurance is designed to pay the difference
between the outstanding balance on a vehicle loan and the replacement cost of a vehicle
that is deemed a total loss. Because of the pattern of depreciation in the value of a
vehicle, situations may arise where a consumer owes more on his or her vehicle loan than
the consumer’s insurer would pay to replace the vehicle. Such a consumer would remain
liable for the “gap” between these two values if the vehicle were damaged beyond repair.
It is important to know that GAP insurance is not mandatory and is prohibited by law
from being required as a condition for purchasing a vehicle or obtaining a vehicle loan.
Moreover, GAP insurance is available from a variety of sources. While some insurers
market stand-alone GAP policies, other insurers offer GAP-like coverage as an option in
their automobile insurance policies. Stand-alone GAP coverage is typically more
expensive than GAP-like coverage incorporated in an automobile insurance policy, in
part because there is no deductible in stand-alone GAP coverage. The deductible for
physical damage coverages typically still applies in GAP-like coverages in automobile
insurance policies.
If you are interested in GAP insurance, you are not required to accept it from the dealer
selling your automobile. Shop around to find the best coverage terms and premiums. Also
remember that both the outright purchase of a vehicle and a sufficiently large down
payment on a vehicle loan would render GAP insurance unnecessary, as it would no
longer be the case that the loan balance exceeds the vehicle’s replacement cost. Finally,
keep in mind that the gap between the loan balance and the vehicle’s replacement cost
typically disappears within a short number of years after the purchase of the vehicle.
5) Towing and labor coverage pays certain costs when your vehicle is disabled, up to the
limit of your policy. These costs may include towing your car to the repair shop, gas
delivery, tire changing or labor performed at the location of the breakdown. Premium for
this coverage can run as low as $5 to $10 per year. However, if you are a member of an
auto club, you probably already have this service and may not want to duplicate your
coverage.
6) Collector Car or Antique Auto coverage can be purchased for an older or classic
vehicle that is driven a minimal number of miles each year. The Division recommends
you review this coverage carefully with your agent before the policy is issued. You and
your agent must both agree on the vehicle value before the policy is issued, and a vehicle
appraisal may be required. The value of the vehicle may be determined under two
different policy types:
Stated Amount or Stated Value coverage is a policy form that will pay you if
your vehicle is involved in a loss during the policy year, the lesser of: 1) the
Stated Value or Amount; 2) the cost to repair the covered auto (not to exceed
the Stated Value or Amount); or 3) the actual cash value.
Agreed Amount or Agreed Value coverage is the only policy form that
guarantees you in writing what amount you will receive if your vehicle is
involved in a loss during the policy period. The Agreed Amount form states
what the insurance company will pay you, the lesser of: 1) the Agreed
Amount; or 2) the cost to repair the covered auto (not to exceed the Agreed
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Amount). The Agreed Amount should represent the true market value of the
car at the time the policy is written. If the market value changes during the
policy period, the Agreed Amount can be changed by endorsement.
Operator’s Policy
An operator’s policy is different from standard liability insurance, which is also referred to as an
owner’s policy. This type of auto insurance is intended primarily to serve the needs of
automobile collectors. By law, under an operator’s policy, the number of motor vehicles that the
policyholder owns must be greater than the number of persons in the household who possess a
driver’s license, and each person in his or her household who has a driver’s license must carry an
operator’s policy of liability insurance. This insurance coverage protects the driver, not the car.
That is, the driver would be insured no matter what vehicle was driven. This insurance coverage
does not cover another person driving your car, either with or without your consent.
An operator’s policy can only be issued to cover the vehicles that you own. A policy that is
issued solely for non-owned vehicles does not suffice as proof of insurance for the owned
vehicles, is not allowed to be used for the purposes of registering your vehicle(s) with DMV, and
may be determined as a lapse of insurance coverage for your owned vehicles, triggering a DMV
fine. Always check with your insurance agent or company that the policy being issued to you
provides coverage for your owned vehicles and is acceptable for the purposes of registering your
vehicle(s) with DMV.
Other Helpful Information
One Minute of Insurance Coverage on Expiration Date
Did you know that you do not have insurance on the expiration date of your auto insurance?
This is because your auto insurance policy expires at 12:01 a.m. on the expiration date. This
means that you only have one minute of coverage on the expiration date listed on your insurance
ID card.
If you plan on changing insurance companies, don’t wait until the last day to shop around and
find new coverage. It is important to tell your new insurance company or insurance agent exactly
when your policy expires. This will help them begin your coverage at the correct time and day
without any lapse in coverage.
If you are renewing your current insurance, make sure you do so a few days before the expiration
date. This will help you avoid an interruption in your insurance coverage.
In addition to leaving you uninsured, a lapse in insurance coverage will result in a fine by the
Nevada DMV.
Coverage for Trailers Hitched to Vehicles
If you haul a trailer of any kind, such as a camping trailer, or a utility trailer, it is important to
note that most insurance policies extend only the liability portion of your vehicle coverage to the
trailer. Any physical damage coverage purchased for your vehicle, like collision or
21
comprehensive, does not automatically extend to the trailer. This means you will have to pay to
repair any damage to your trailer if the accident was your fault. You may be able to purchase
physical damage protection for your trailer from your insurance company. Call your insurance
company or agent for more information.
Claims
Being in an accident, regardless of who is at fault, can be a traumatic experience. If you are
involved in an accident, contact your insurance company or agent to report the accident. Your
insurance company will open a claim file and give you further instructions on what to do.
Depending on the type and amount of coverages you have purchased, your insurer may be able
to immediately begin paying benefits. This may include payments for medical treatment, rental
vehicle, or for the repair of your vehicle. For example, if you have Medical Payments, your
policy provides immediate payments to you and the occupants of your vehicle for the cost of
medical treatment up to the policy limits without consideration of fault.
If you believe that the other driver was at fault, you may also contact the other driver’s insurance
company and file a claim with them as well. Make sure to provide your insurer with the other
insurance company’s information including the claim number (if one is assigned). The other
driver’s insurance company and your insurance company will investigate the claim to determine
liability. If the other driver is determined to be at fault, any payments made by your insurance
company under your insurance policy, or any deductibles paid by you to your insurance
company, may be recouped by your insurer from the at-fault driver’s insurance company.
To help you with documenting pertinent information immediately after an accident, the National
Association of Insurance Commissioners (NAIC) recently released a smartphone app called
“WreckCheck” for iPhones (download from iTunes - http://www.itunes.com) and Android
Phones (download from Google Play - http://play.google.com). If you do not own a smart phone,
you may download and print an “Auto Accident Checklist” from
http://www.insureuonline.org/auto_accident_checklist.pdf.
Smart Shopping
The key to comparison shopping is to know both what insurance coverage and what amount of
coverage you need before you begin shopping, then to find out how much that coverage will cost
from a number of companies. Comparison shopping takes time but can save you money.
No one wants to pay more for auto insurance than is absolutely necessary. The only way you can
make certain you are not paying too much is to shop around and find out what different
companies charge for identical products and services.
Here’s an example that shows the benefits of shopping around:
The rate comparisons in this report include the hypothetical scenario of a married couple,
both 45 years old. If the husband sought liability limits of $15,000 per person/$30,000
per accident/$10,000 per accident property damage, he could pay anywhere from $498 to
$1,794 every six months in Las Vegas or $194 to $1,122 in Reno to insure a 2011 Ford
F150.
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Seek Unbiased Information
Information is available to consumers from a number of unbiased sources. These sources include
the Nevada Division of Insurance, public libraries, consumer groups and consumer publications.
Because the insurance industry, like many other industries, uses words not commonly used by
the average person, consumers may need to find a good glossary or dictionary of insurance
terms. We suggest contacting the Division’s Consumer Services section if you need help
understanding the language of your policy.
You can also gain a wide variety of information from the Nevada Division of Insurance website,
doi.nv.gov.
Price Quotes
Getting auto insurance premium quotes from several companies is a useful way to compare
different companies’ products. However, when seeking price quotes, it is crucial that you provide
the same information to each agent or company.
To give you an accurate quote, the agent or company will usually request the following informa-
tion, because it is necessary to the underwriting and rating process as described earlier in this
guide:
1. A description of your vehicle (year, make, model, vehicle identification number,
etc.);
2. Use of vehicle (pleasure, to/from work, etc.);
3. Your driver’s license number and the issuing state;
4. The number, genders and ages of drivers in your household (including dates of
birth);
5. The types of coverage;
6. The limits you want; and
7. Accidents/tickets in the last three to five years for each driver in your household.
The company also may obtain a copy of your claims history, motor vehicle report and credit
report. It is a good idea for you to know what is contained in the reports.
For Your Protection
You should be aware that an auto insurance policy is a legal contract. It is written so that your
rights and responsibilities, as well as those of the insurance company, are clearly stated. When
you purchase auto insurance, you will receive a policy. You should read that policy and be able
to understand its contents. If you have questions about your insurance policy, contact your
insurance agent for clarification. If you still have questions, contact the Nevada Division of
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Insurance Consumer Services section, and our Consumer Service representatives will work with
you regarding your concerns.
If you purchase an insurance policy through an unlicensed company, you are very likely to find
that you have no coverage when a claim occurs. To avoid falling for such scams, you should:
1) Check with the Nevada Division of Insurance to see if the company is licensed in
Nevada. Companies licensed by the state are required to provide annual
statements to the Division of Insurance, which allow the Division to assess a
company’s continued ability to pay claims. The Division also is able to take
corrective action in advance of potentially devastating problems. The Division
website has a “License Look-up Tool” at doi.nv.gov, or you can call 1-888-467-
4195 to find out whether a company is licensed in Nevada.
2) Confirm that your insurance agent is selling you a state-approved product. If you
suspect an insurance agent is trying to sell you an unauthorized product, contact
the Division of Insurance.
3) Make certain you are dealing with a licensed insurance agent. If the person trying
to sell you the coverage states that he or she doesn’t need a license for whatever
reason, be wary. Report suspicious activity to the Division of Insurance.
4) Ask your agent for the name of the insurer and check the paperwork you receive
to make sure it names a licensed insurer that is providing the coverage.
5) You should receive an Evidence of Insurance card for each vehicle insured. The
card is to be carried in the respective automobile. The effective dates of coverage
are shown on the card, so check to make sure your evidence of insurance card is
current.
6) Never pay cash. Always get a receipt for all payments and be sure the receipt
shows your policy number, date of payment, period of coverage and the name of
the insurance company providing the coverage.
It is also important to be aware that there are scam artists who misrepresent themselves as
insurance agents and bilk unsuspecting individuals and businesses out of thousands of dollars
every year. In fact, on occasion, even licensed, honest and experienced agents can unknowingly
sell insurance offered by a fraudulent insurer. Although honest agents will do their best to avoid
such circumstances, it can still happen. Worst of all, you as the consumer may discover that you
are on the hook for a wide range of costs and expenses that you thought your insurance was
covering in the event of a loss.
When it comes to buying insurance, your instincts might not always be correct. In an effort to
save money, one’s judgment can become impaired, so don’t hesitate to check out everyone you
deal with. It takes a little more time, but the effort could save you a lot of money.
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Payment of Insurance Premiums
There is no grace period on insurance premium payments. In other words, if an insurance
premium payment is due on the 15th
of the month, your payment must be received by the
insurance company on or before that date. Example D on Page 29 of this guide shows the higher
premiums charged and the possible difficulty of obtaining insurance with a lapse in coverage
even if you have a clean driving record.
Mid-Term Cancellation of Your Policy
Nevada laws restrict the mid-term cancellation of your policy. If the company cancels your
policy, the premium will be prorated without any penalty to you, but the reason for cancellation
must be in compliance with NRS 687B.320. That statute requires notification be delivered or
mailed to the policyholder at least 10 days before cancellation for failure to pay a premium when
due, or 30 days for all other reasons noted in the statute. However, if you cancel the policy, there
is normally a “short rate” penalty that usually amounts to about 10 percent of the return
premium. If you cancel the policy early in the term, the penalty is greater than if the policy is
canceled late in the term. Policies regarding early cancellations and refunds vary from company
to company.
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Frequently Asked Questions
1. I was involved in a car accident, and my car was determined to be a total loss by my
insurance company. The insurance company sent me a check for $7,000, but I paid
$15,000 for the car. Why didn’t the insurance company send me a check for the amount I
paid for the car?
The insurer’s limit of liability for a physical damage loss to a covered auto is
the lower of (1) the actual cash value of the damaged or stolen property; or
(2) the amount necessary to repair or replace the property with property of
like kind and quality with the exceptions found in NRS 487.790 (see the
Property Damage Coverage section of this guide). Actual cash value is
generally the replacement cost of the property minus an allowance for
depreciation. The depreciation is based on market value in the geographical
area. For example, you purchase a new car in 2006 in Carson City that cost
$15,000, and the same vehicle could be purchased for $7,000 in 2009. If the
car was involved in an accident and declared a total loss by the insurance
company in 2009, the market value would be $7,000.
2. How much time does an insurance company have to respond to a claim? I was involved
in a car accident two weeks ago, and I notified the insurance company the next day. It’s
been two weeks, and I haven’t heard from them.
An insurer must approve or deny a casualty claim within 30 days after the
insurer receives the claim. If the insurer requires additional information or
time to determine whether to approve or deny a claim, it must notify the
policyholder of this request within 20 days after it receives the claim, and at
least once every 30 days thereafter until the claim is approved or denied.
3. I was involved in an auto accident in 2006. At the time of the accident, I did not seek
medical care. In February of 2010, I began having back pain that I believed was caused
by the accident. I went to the doctor and incurred the expense of the doctor’s visit and
x-ray cost. I submitted a claim for medical reimbursement under my Personal Auto
Policy and Medical Payments Coverage, and my claim was denied. Why?
Under most standard policies, the insurer will pay only those expenses
incurred for services rendered within three years from the date of the
accident under the Medical Payments coverage of your Personal Auto Policy.
Auto policies vary, so you should check your own Personal Auto Policy for
time limitations to make a claim under the Medical Payments Coverage.
4. I had some personal belongings that were stolen from the trunk of my car. Why doesn't
my car insurance pay for my stolen property?
Contract provisions in your auto policy may specifically exclude most
personal belongings; however, these belongings may be covered under a
homeowner’s or renter’s policy.
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5. I purchased a used vehicle from a car dealership. It had several options, such as running
boards, that do not come as standard equipment on a new vehicle. I brought the vehicle to
my insurance agent and added it to my policy with full coverage. I was later involved in
an accident. My insurance company denied the replacement of the damaged running
boards. Why?
Most automobile insurance policies specifically exclude items that are not
standard or stock on a vehicle. While speaking with your agent, you should
ask if the policy covers specialty items. If they’re not covered, ask about
purchasing additional coverage for those items.
6. My car was damaged and my insurance company told me I could get it fixed, so I took it
to my body shop. The repair is unsatisfactory, and now the insurance company is telling
me it will not guarantee the workmanship of my body shop. Why not?
Insurance companies will only guarantee the workmanship of repairs done
by one of their preferred body shops. If you are unsatisfied with the repairs
done by your body shop, it would be an issue between you and your body
shop. Therefore, it may benefit you to inquire whether or not the insurance
company has a preferred shop.
7. I already have insurance for my existing vehicles and am looking to purchase another
vehicle. Will my newly purchased vehicle be automatically covered under my existing
auto insurance policy?
Most insurers will automatically insure a newly acquired vehicle under an
existing policy of insurance for a certain number of days. Contact your
insurer to add the newly acquired vehicle to your existing policy. If you wish
to add or increase coverage for your new car, make sure to ask your agent or
the insurer about the options available to you.
If you finance a new vehicle, the lender may place additional insurance
requirements - such as collision or comprehensive coverage - to protect the
lender’s investment. Most dealerships will require proof of this additional
insurance coverage before allowing the vehicle to leave the dealership’s lot.
27
Rate Comparisons
Twenty-three insurers participated in the following rate comparisons. If an insurer did not quote
a rate for a specific example, it means that the driving record given for that example was
unacceptable to the company.
Rates quoted in this guide are for six-month premiums and may vary from rates quoted by an
insurance agent. These rate samples are developed based upon basic rating information and
include risk-based assumptions made by insurers. The risk-based assumptions may or may not
apply in your specific circumstances. Rates can be found at the page number listed next to each
liability option.
Two vehicles were rated for each example:
Vehicle One
2012 Subaru Impreza; 2.5 Liter H4 SFI DOHC 16V engine; Manual Transmission; All-
wheel drive; Four Doors
Vehicle Two
2011 Ford F150 XLT; 8-Cylinder, 5.0L DOHCC 32 V Engine; Automatic Transmission;
Four-wheel drive; Four Doors
Two liability options were rated for each vehicle:
Liability Option One
Liability: $15,000 per person/$30,000 per accident bodily injury liability
$10,000 per accident property damage liability
Physical Damage: $250 deductible-comprehensive
$500 deductible-collision
Other Coverages: $1,000 medical payments
$15,000 per person/$30,000 per accident uninsured/underinsured motorist
Liability Option Two
Liability: $100,000 per person/$300,000 per accident bodily injury liability
$50,000 per accident property damage liability
Physical Damage: $250 deductible-comprehensive
$500 deductible-collision
Other Coverages: $5,000 medical payments
$100,000 per person/$300,000 per accident uninsured/underinsured motorist
28
Rating Examples
Example A
Seventeen-year-old single male. Clean driving record. Good student (“A” average) with driver’s
education. Drives 10 miles, round trip, to school daily. Annual mileage is 2,900. Rated on
father’s policy from Example E. Multi-car discount applies.
Vehicle one - 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-
wheel drive; Four Doors
Liability Option One: 15/30/10 ...............................................................................37
Liability Option Two: 100/300/50 ...........................................................................38
Vehicle two - 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine;
Automatic Transmission; Four-wheel drive; Four Door
Liability Option One: 15/30/10 ...............................................................................39
Liability Option Two: 100/300/50 ...........................................................................40
Example B
Seventeen-year-old single male. Average student (“C” average). One ticket for driving 20 miles
over the speed limit within past 12 months. Drives 10 miles, round trip, to school daily. Annual
mileage is 2,900. Rated on father’s policy from Example E. Multi-car discount applies.
Vehicle one - 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-
wheel drive; Four Doors
Liability Option One: 15/30/10 ...............................................................................41
Liability Option Two: 100/300/50 ...........................................................................42
Vehicle two - 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine;
Automatic Transmission; Four-wheel drive; Four Door
Liability Option One: 15/30/10 ...............................................................................43
Liability Option Two: 100/300/50 ...........................................................................44
29
Example C
Twenty-three-year-old single female. One “at fault” accident within past 12 months (under
$1,000 damage). Attends college full-time and maintains “B” average grades. Drives 10 miles,
round trip, to school and her part-time job daily. Annual mileage is 12,000.
Vehicle one - 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-
wheel drive; Four Doors
Liability Option One: 15/30/10 ...............................................................................45
Liability Option Two: 100/300/50 ...........................................................................46
Vehicle two - 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine;
Automatic Transmission; Four-wheel drive; Four Door
Liability Option One: 15/30/10 ...............................................................................47
Liability Option Two: 100/300/50 ...........................................................................48
Example D
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days.
Drives 8 miles, round trip, to work daily. Annual mileage is 10,000.
Vehicle one - 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-
wheel drive; Four Doors
Liability Option One: 15/30/10 ...............................................................................49
Liability Option Two: 100/300/50 ...........................................................................50
Vehicle two - 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine;
Automatic Transmission; Four-wheel drive; Four Door
Liability Option One: 15/30/10 ...............................................................................51
Liability Option Two: 100/300/50 ...........................................................................52
30
Example E
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to
work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. Rates shown
are for the husband’s vehicle.
Vehicle one - 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-
wheel drive; Four Doors
Liability Option One: 15/30/10 ...............................................................................53
Liability Option Two: 100/300/50 ...........................................................................54
Vehicle two - 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine;
Automatic Transmission; Four-wheel drive; Four Door
Liability Option One: 15/30/10 ...............................................................................55
Liability Option Two: 100/300/50 ...........................................................................56
Example F
Forty-five-year-old single male. DUI, second offense within past two years. SR22 required.
Drives 15 miles, round trip, to work daily. Annual mileage is 15,000.
Vehicle one - 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-
wheel drive; Four Doors
Liability Option One: 15/30/10 ...............................................................................57
Liability Option Two: 100/300/50 ...........................................................................58
Vehicle two - 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine;
Automatic Transmission; Four-wheel drive; Four Door
Liability Option One: 15/30/10 ...............................................................................59
Liability Option Two: 100/300/50 ...........................................................................60
31
Example G
Fifty-five-year-old married female, principal operator of vehicle, retired 65 year-old husband
who is an occasional operator with a clean driving record. Female has one “at fault” accident
within past 21 months (over $2,000 damage). Drives 15 miles, round trip, to work daily. Drives
15,000 miles annually.
Vehicle one - 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-
wheel drive; Four Doors
Liability Option One: 15/30/10 ...............................................................................61
Liability Option Two: 100/300/50 ...........................................................................62
Vehicle two - 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine;
Automatic Transmission; Four-wheel drive; Four Door
Liability Option One: 15/30/10 ...............................................................................63
Liability Option Two: 100/300/50 ...........................................................................64
Example H
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver.
Both the husband and wife have a clean driving record and have completed an approved driver
safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.
Vehicle one - 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-
wheel drive; Four Doors
Liability Option One: 15/30/10 ...............................................................................65
Liability Option Two: 100/300/50 ...........................................................................66
Vehicle two - 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine;
Automatic Transmission; Four-wheel drive; Four Door
Liability Option One: 15/30/10 ...............................................................................67
Liability Option Two: 100/300/50 ...........................................................................68
32
Example I
Seventy-eight-year-old married retired female. Husband does not drive. Pleasure use of vehicle.
Wife has a clean driving record. Annual mileage is 4,000. One vehicle; no multi-car discount.
Vehicle one - 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-
wheel drive; Four Doors
Liability Option One: 15/30/10 ...............................................................................69
Liability Option Two: 100/300/50 ...........................................................................70
Vehicle two - 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine;
Automatic Transmission; Four-wheel drive; Four Door
Liability Option One: 15/30/10 ...............................................................................71
Liability Option Two: 100/300/50 ...........................................................................72
Example J
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days.
Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as best possible
credit-based insurance score.
Vehicle one - 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-
wheel drive; Four Doors
Liability Option One: 15/30/10 ...............................................................................73
Liability Option Two: 100/300/50 ...........................................................................74
Vehicle two - 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine;
Automatic Transmission; Four-wheel drive; Four Door
Liability Option One: 15/30/10 ...............................................................................75
Liability Option Two: 100/300/50 ...........................................................................76
33
Example K
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days.
Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as average/neutral
credit-based insurance score.
Vehicle one - 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-
wheel drive; Four Doors
Liability Option One: 15/30/10 ...............................................................................77
Liability Option Two: 100/300/50 ...........................................................................78
Vehicle two - 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine;
Automatic Transmission; Four-wheel drive; Four Door
Liability Option One: 15/30/10 ...............................................................................79
Liability Option Two: 100/300/50 ...........................................................................80
Example L
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days.
Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as worst possible
credit-based insurance score.
Vehicle one - 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-
wheel drive; Four Doors
Liability Option One: 15/30/10 ...............................................................................81
Liability Option Two: 100/300/50 ...........................................................................82
Vehicle two - 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine;
Automatic Transmission; Four-wheel drive; Four Door
Liability Option One: 15/30/10 ...............................................................................83
Liability Option Two: 100/300/50 ...........................................................................84
34
Example M
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to
work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband
is rated with a best possible credit-based insurance score.
Vehicle one - 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-
wheel drive; Four Doors
Liability Option One: 15/30/10 ...............................................................................85
Liability Option Two: 100/300/50 ...........................................................................86
Vehicle two - 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine;
Automatic Transmission; Four-wheel drive; Four Door
Liability Option One: 15/30/10 ...............................................................................87
Liability Option Two: 100/300/50 ...........................................................................88
Example N
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to
work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband
is rated with an average/neutral credit-based insurance score.
Vehicle one - 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-
wheel drive; Four Doors
Liability Option One: 15/30/10 ...............................................................................89
Liability Option Two: 100/300/50 ...........................................................................90
Vehicle two - 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine;
Automatic Transmission; Four-wheel drive; Four Door
Liability Option One: 15/30/10 ...............................................................................91
Liability Option Two: 100/300/50 ...........................................................................92
35
Example O
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to
work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband
is rated with a worst possible credit-based insurance score.
Vehicle one - 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-
wheel drive; Four Doors
Liability Option One: 15/30/10 ...............................................................................93
Liability Option Two: 100/300/50 ...........................................................................94
Vehicle two - 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine;
Automatic Transmission; Four-wheel drive; Four Door
Liability Option One: 15/30/10 ...............................................................................95
Liability Option Two: 100/300/50 ...........................................................................96
Example P
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver.
Both the husband and wife have a clean driving record and have completed an approved driver
safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as best
possible credit-based insurance score.
Vehicle one - 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-
wheel drive; Four Doors
Liability Option One: 15/30/10 ...............................................................................97
Liability Option Two: 100/300/50 ...........................................................................98
Vehicle two - 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine;
Automatic Transmission; Four-wheel drive; Four Door
Liability Option One: 15/30/10 ...............................................................................99
Liability Option Two: 100/300/50 ...........................................................................100
36
Example Q
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver.
Both the husband and wife have a clean driving record and have completed an approved driver
safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as
average/neutral credit-based insurance score.
Vehicle one - 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-
wheel drive; Four Doors
Liability Option One: 15/30/10 ...............................................................................101
Liability Option Two: 100/300/50 ...........................................................................102
Vehicle two - 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine;
Automatic Transmission; Four-wheel drive; Four Door
Liability Option One: 15/30/10 ...............................................................................103
Liability Option Two: 100/300/50 ...........................................................................104
Example R Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver.
Both the husband and wife have a clean driving record and have completed an approved driver
safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as worst
possible credit-based insurance score.
Vehicle one - 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-
wheel drive; Four Doors
Liability Option One: 15/30/10 ...............................................................................105
Liability Option Two: 100/300/50 ...........................................................................106
Vehicle two - 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine;
Automatic Transmission; Four-wheel drive; Four Door
Liability Option One: 15/30/10 ...............................................................................107
Liability Option Two: 100/300/50 ...........................................................................108
EXAMPLE A - Liability OPTION 1 - SUBARU IMPREZA
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $586 $592 $568 $784 $961 $1,022 $703 $612 $586
American Access Casualty Company $2,368 $0 $2,558 $3,118 $4,392 $4,340 $2,482 $2,801 $0
American Family Mutual Insurance Company $1,314 $1,326 $1,381 $1,935 $2,424 $2,447 $1,394 $1,433 $1,314
American National Property & Casualty Company $1,049 $956 $1,001 $1,540 $2,036 $2,159 $1,504 $1,235 $1,006
Coast National Insurance Company $1,381 $1,293 $1,388 $2,133 $2,343 $2,600 $1,958 $1,588 $1,671
Country Mutual Insurance Company $1,024 $1,035 $1,035 $1,540 $2,149 $2,149 $1,254 $1,179 $1,252
GEICO Casualty $433 $440 $440 $570 $674 $702 $440 $495 $440
Infinity Auto Insurance Company $1,455 $1,419 $1,481 $2,166 $2,508 $2,806 $2,159 $1,866 $1,772
Liberty Mutual General Insurance Company $475 $489 $593 $759 $878 $987 $569 $660 $716
Mid Century Insurance Company $698 $640 $640 $1,231 $1,593 $1,579 $1,085 $921 $1,218
Nevada Capital Insurance Company $2,524 $2,295 $2,295 $3,547 $3,830 $4,977 $2,295 $2,709 $3,091
Nevada General Insurance Company $1,530 $1,470 $1,470 $1,484 $1,590 $1,811 $1,486 $1,400 $1,400
Primero Insurance Company $2,754 $2,712 $2,712 $3,138 $3,252 $3,252 $2,844 $2,844 $2,712
Progressive Direct Insurance Company $561 $536 $563 $797 $962 $1,077 $806 $713 $690
Progressive Northern Insurance Company $677 $644 $685 $986 $1,202 $1,351 $999 $874 $806
Safeco Insurance Company of Illinois $920 $939 $907 $1,568 $1,614 $1,895 $1,259 $997 $900
State Farm Fire & Casualty Company $1,375 $1,259 $1,253 $2,008 $2,424 $2,298 $1,313 $1,501 $1,724
State Farm Mutual Automobile Insurance Company $1,183 $1,077 $1,073 $1,732 $2,089 $1,975 $1,124 $1,292 $1,483
Travelers Commercial Insurance Company $737 $658 $707 $1,048 $1,249 $1,500 $814 $759 $990
Travelers Home & Marine Insurance Company $763 $682 $733 $1,083 $1,287 $1,544 $844 $787 $1,023
United Services Automobile Association $1,073 $1,056 $1,056 $1,316 $1,418 $1,474 $1,056 $1,145 $1,056
USAA Casualty Insurance Company $1,047 $1,010 $1,010 $1,332 $1,436 $1,492 $1,010 $1,112 $1,010
Viking Insurance Company of WI $1,389 $1,296 $1,296 $1,860 $2,199 $2,199 $1,682 $1,601 $1,343
Western United Insurance Company $982 $1,015 $1,034 $1,506 $1,807 $1,856 $1,214 $1,051 $1,306
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Seventeen-year-old single male. Clean driving record. Good student (“A” average) with driver’s education. Drives 10 miles, round trip, to school daily. Annual
mileage is 2,900. Rated on father’s policy from Example E. Multi-car discount applies.
37
EXAMPLE A - Liability OPTION 2 - SUBARU IMPREZA
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $705 $707 $682 $967 $1,203 $1,287 $872 $726 $700
American Access Casualty Company $2,586 $0 $2,822 $3,437 $4,808 $4,757 $2,733 $3,079 $0
American Family Mutual Insurance Company $1,538 $1,539 $1,607 $2,403 $2,996 $3,031 $1,624 $1,687 $1,538
American National Property & Casualty Company $1,253 $1,128 $1,194 $1,860 $2,514 $2,644 $1,805 $1,485 $1,192
Coast National Insurance Company $1,699 $1,561 $1,706 $2,884 $3,173 $3,540 $2,551 $1,910 $2,069
Country Mutual Insurance Company $1,204 $1,185 $1,185 $1,857 $2,601 $2,601 $1,457 $1,375 $1,444
Country Preferred Insurance Company $993 $972 $972 $1,533 $2,145 $2,145 $1,195 $1,133 $1,188
GEICO Casualty $599 $594 $594 $826 $989 $1,063 $594 $654 $594
Infinity Auto Insurance Company $2,174 $2,071 $2,197 $3,733 $4,387 $4,967 $3,538 $2,818 $2,611
Liberty Mutual General Insurance Company $600 $618 $750 $960 $1,110 $1,248 $720 $834 $906
Mid Century Insurance Company $1,009 $861 $861 $1,854 $2,448 $2,438 $1,571 $1,298 $1,707
Nevada Capital Insurance Company $2,791 $2,542 $2,542 $4,275 $4,679 $5,985 $2,542 $3,010 $3,411
Nevada General Insurance Company $1,824 $1,726 $1,726 $1,864 $1,994 $2,243 $1,809 $1,664 $1,664
Progressive Direct Insurance Company $614 $574 $614 $965 $1,194 $1,341 $951 $786 $734
Progressive Northern Insurance Company $717 $667 $720 $1,178 $1,470 $1,657 $1,155 $937 $835
Safeco Insurance Company of Illinois $1,189 $1,186 $1,157 $2,110 $2,256 $2,591 $1,635 $1,258 $1,141
State Farm Fire & Casualty Company $1,717 $1,552 $1,548 $2,636 $3,193 $3,022 $1,621 $1,884 $2,107
State Farm Mutual Automobile Insurance Company $1,472 $1,325 $1,322 $2,264 $2,740 $2,587 $1,385 $1,618 $1,810
Travelers Commercial Insurance Company $773 $673 $732 $1,163 $1,396 $1,700 $849 $785 $1,062
Travelers Home & Marine Insurance Company $796 $694 $755 $1,193 $1,430 $1,741 $875 $810 $1,092
United Services Automobile Association $1,341 $1,295 $1,295 $1,725 $1,856 $1,927 $1,295 $1,415 $1,295
USAA Casualty Insurance Company $1,516 $1,436 $1,436 $2,034 $2,186 $2,271 $1,436 $1,589 $1,436
Viking Insurance Company of WI $1,816 $1,667 $1,667 $2,564 $3,042 $3,042 $2,230 $2,104 $1,739
Western United Insurance Company $918 $930 $939 $1,481 $1,801 $1,842 $1,156 $970 $1,207
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Seventeen-year-old single male. Clean driving record. Good student (“A” average) with driver’s education. Drives 10 miles, round trip,
to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car discount applies.
38
EXAMPLE A - Liability OPTION 1 - FORD F-150
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $738 $756 $722 $970 $1,189 $1,266 $870 $776 $738
American Access Casualty Company $2,117 $0 $2,346 $2,865 $3,961 $3,909 $2,270 $2,524 $0
American Family Mutual Insurance Company $1,235 $1,242 $1,295 $1,850 $2,318 $2,340 $1,308 $1,350 $1,235
American National Property & Casualty Company $793 $708 $747 $1,178 $1,552 $1,672 $1,131 $939 $764
Coast National Insurance Company $1,112 $978 $1,087 $1,763 $1,951 $2,163 $1,560 $1,239 $1,362
Country Mutual Insurance Company $986 $967 $967 $1,521 $2,133 $2,133 $1,204 $1,126 $1,191
GEICO Casualty $422 $431 $431 $576 $683 $720 $431 $485 $431
Infinity Auto Insurance Company $1,438 $1,357 $1,444 $2,313 $2,724 $3,009 $2,213 $1,849 $1,713
Liberty Mutual General Insurance Company $552 $568 $689 $882 $1,020 $1,147 $662 $767 $833
Mid Century Insurance Company $557 $494 $494 $987 $1,265 $1,253 $854 $723 $924
Nevada Capital Insurance Company $1,854 $1,678 $1,678 $2,870 $3,151 $4,014 $1,678 $1,981 $2,238
Nevada General Insurance Company $1,807 $1,720 $1,720 $1,773 $1,895 $2,157 $1,763 $1,646 $1,646
Primero Insurance Company $3,102 $3,060 $3,060 $3,486 $3,606 $3,606 $3,192 $3,192 $3,060
Progressive Direct Insurance Company $587 $551 $583 $869 $1,062 $1,181 $862 $743 $701
Progressive Northern Insurance Company $695 $653 $697 $1,049 $1,292 $1,441 $1,044 $895 $810
Safeco Insurance Company of Illinois $989 $1,016 $977 $1,670 $1,707 $2,021 $1,356 $1,078 $971
State Farm Fire & Casualty Company $1,235 $1,133 $1,127 $1,828 $2,204 $2,090 $1,182 $1,348 $1,545
State Farm Mutual Automobile Insurance Company $1,063 $969 $965 $1,578 $1,902 $1,798 $1,013 $1,162 $1,329
Travelers Commercial Insurance Company $754 $659 $717 $1,079 $1,292 $1,556 $820 $767 $1,017
Travelers Home & Marine Insurance Company $780 $683 $743 $1,111 $1,331 $1,599 $849 $795 $1,051
United Services Automobile Association $1,074 $1,032 $1,032 $1,370 $1,484 $1,534 $1,032 $1,138 $1,032
USAA Casualty Insurance Company $1,093 $1,027 $1,027 $1,451 $1,573 $1,627 $1,027 $1,155 $1,027
Viking Insurance Company of WI $1,339 $1,237 $1,237 $1,836 $2,187 $2,187 $1,628 $1,544 $1,287
Western United Insurance Company $927 $959 $968 $1,445 $1,755 $1,789 $1,143 $990 $1,225
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Seventeen-year-old single male. Clean driving record. Good student (“A” average) with driver’s education. Drives 10 miles, round trip,
to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car discount applies.
39
EXAMPLE A - Liability OPTION 2 - FORD F-150
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $850 $876 $842 $1,166 $1,451 $1,554 $1,051 $896 $858
American Access Casualty Company $2,331 $0 $2,610 $3,184 $4,366 $4,314 $2,521 $2,795 $0
American Family Mutual Insurance Company $1,468 $1,462 $1,530 $2,330 $2,906 $2,940 $1,548 $1,613 $1,468
American National Property & Casualty Company $938 $828 $883 $1,409 $1,891 $2,031 $1,347 $1,117 $897
Coast National Insurance Company $1,417 $1,234 $1,393 $2,478 $2,741 $3,056 $2,123 $1,549 $1,743
Country Mutual Insurance Company $1,194 $1,140 $1,140 $1,885 $2,653 $2,653 $1,441 $1,355 $1,416
Country Preferred Insurance Company $986 $936 $936 $1,558 $2,190 $2,190 $1,184 $1,118 $1,167
GEICO Casualty $601 $599 $599 $858 $1,027 $1,116 $599 $661 $599
Infinity Auto Insurance Company $2,303 $2,134 $2,303 $4,251 $5,069 $5,675 $3,902 $3,015 $2,733
Liberty Mutual General Insurance Company $707 $728 $884 $1,131 $1,308 $1,471 $848 $983 $1,068
Mid Century Insurance Company $802 $666 $666 $1,471 $1,926 $1,913 $1,231 $1,023 $1,304
Nevada Capital Insurance Company $2,121 $1,925 $1,925 $3,598 $4,000 $5,022 $1,925 $2,282 $2,558
Nevada General Insurance Company $2,167 $2,030 $2,030 $2,235 $2,383 $2,684 $2,158 $1,966 $1,966
Progressive Direct Insurance Company $669 $614 $661 $1,094 $1,369 $1,527 $1,059 $856 $781
Progressive Northern Insurance Company $760 $700 $759 $1,292 $1,623 $1,817 $1,251 $995 $872
Safeco Insurance Company of Illinois $1,249 $1,253 $1,219 $2,199 $2,338 $2,700 $1,720 $1,329 $1,203
State Farm Fire & Casualty Company $1,543 $1,395 $1,392 $2,395 $2,897 $2,738 $1,459 $1,695 $1,894
State Farm Mutual Automobile Insurance Company $1,326 $1,193 $1,191 $2,063 $2,492 $2,350 $1,249 $1,458 $1,629
Travelers Commercial Insurance Company $799 $682 $749 $1,206 $1,459 $1,779 $864 $803 $1,103
Travelers Home & Marine Insurance Company $821 $704 $772 $1,238 $1,492 $1,820 $891 $827 $1,133
United Services Automobile Association $1,396 $1,313 $1,313 $1,863 $2,016 $2,087 $1,313 $1,464 $1,313
USAA Casualty Insurance Company $1,633 $1,507 $1,507 $2,268 $2,458 $2,547 $1,507 $1,707 $1,507
Viking Insurance Company of WI $1,730 $1,572 $1,572 $2,487 $2,976 $2,976 $2,128 $2,004 $1,649
Western United Insurance Company $882 $895 $897 $1,449 $1,781 $1,810 $1,109 $929 $1,157
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Coverages:
Seventeen-year-old single male. Clean driving record. Good student (“A” average) with driver’s education. Drives 10 miles, round trip,
to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car discount applies.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
40
EXAMPLE B - Liability OPTION 1 - SUBARU IMPREZA
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $730 $736 $705 $992 $1,221 $1,303 $884 $763 $730
American Access Casualty Company $2,584 $0 $2,814 $3,410 $4,811 $4,755 $2,710 $3,062 $0
American Family Mutual Insurance Company $2,235 $2,245 $2,341 $3,313 $4,149 $4,190 $2,362 $2,444 $2,235
American National Property & Casualty Company $1,623 $1,476 $1,544 $2,380 $3,132 $3,349 $2,328 $1,911 $1,554
Coast National Insurance Company $1,573 $1,464 $1,578 $2,427 $2,663 $2,957 $2,225 $1,807 $1,908
GEICO Casualty $608 $619 $619 $806 $958 $997 $619 $698 $619
Infinity Auto Insurance Company $1,515 $1,476 $1,541 $2,253 $2,609 $2,921 $2,247 $1,942 $1,845
Liberty Mutual General Insurance Company $677 $697 $846 $1,083 $1,252 $1,408 $812 $941 $1,022
Mid Century Insurance Company $863 $792 $792 $1,513 $1,946 $1,925 $1,336 $1,141 $948
Nevada Capital Insurance Company $2,797 $2,541 $2,541 $3,928 $4,240 $5,510 $2,541 $3,002 $3,426
Nevada General Insurance Company $1,681 $1,617 $1,617 $1,625 $1,745 $1,985 $1,632 $1,538 $1,538
Primero Insurance Company $2,862 $2,820 $2,820 $3,246 $3,351 $3,351 $2,952 $2,952 $2,820
Progressive Direct Insurance Company $652 $623 $654 $929 $1,123 $1,256 $940 $829 $806
Progressive Northern Insurance Company $801 $762 $811 $1,158 $1,414 $1,588 $1,179 $1,034 $954
Safeco Insurance Company of Illinois $1,092 $1,113 $1,073 $1,868 $1,925 $2,260 $1,497 $1,183 $1,067
State Farm Fire & Casualty Company $2,414 $2,209 $2,199 $3,523 $4,250 $4,026 $2,305 $2,636 $3,030
State Farm Mutual Automobile Insurance Company $1,916 $1,736 $1,731 $2,804 $3,381 $3,188 $1,814 $2,095 $2,404
Travelers Commercial Insurance Company $980 $875 $942 $1,396 $1,661 $1,995 $1,082 $1,010 $1,318
Travelers Home & Marine Insurance Company $1,031 $918 $989 $1,467 $1,747 $2,100 $1,136 $1,063 $1,387
United Services Automobile Association $1,240 $1,218 $1,218 $1,523 $1,643 $1,708 $1,218 $1,323 $1,218
USAA Casualty Insurance Company $1,208 $1,166 $1,166 $1,540 $1,662 $1,727 $1,166 $1,283 $1,166
Viking Insurance Company of WI $1,460 $1,367 $1,367 $1,953 $2,311 $2,311 $1,771 $1,683 $1,415
Western United Insurance Company $1,290 $1,335 $1,359 $1,981 $2,376 $2,440 $1,599 $1,384 $1,718
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Seventeen-year-old single male. Average student (“C” average). One ticket for driving 20 miles over the speed limit within past 12
months. Drives 10 miles, round trip, to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car
discount applies.
41
EXAMPLE B - Liability OPTION 2 - SUBARU IMPREZA
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $758 $764 $738 $1,065 $1,339 $1,432 $962 $786 $758
American Access Casualty Company $2,818 $0 $3,077 $3,755 $5,261 $5,207 $2,979 $3,361 $0
American Family Mutual Insurance Company $2,600 $2,587 $2,633 $4,081 $5,091 $5,157 $2,736 $2,862 $2,600
American National Property & Casualty Company $1,924 $1,729 $1,828 $2,854 $3,828 $4,082 $2,777 $2,282 $1,829
Coast National Insurance Company $1,935 $1,770 $1,941 $3,283 $3,608 $4,027 $3,499 $2,174 $2,360
GEICO Casualty $840 $836 $836 $1,165 $1,401 $1,505 $836 $922 $836
Infinity Auto Insurance Company $2,264 $2,161 $2,290 $3,892 $4,573 $5,178 $3,688 $2,937 $2,719
Liberty Mutual General Insurance Company $864 $889 $1,079 $1,382 $1,597 $1,796 $1,036 $1,200 $1,304
Mid Century Insurance Company $1,218 $1,041 $1,041 $2,225 $2,923 $2,906 $1,888 $1,570 $2,056
Nevada Capital Insurance Company $3,089 $2,813 $2,813 $4,722 $5,172 $6,613 $2,813 $3,332 $3,775
Nevada General Insurance Company $2,000 $1,895 $1,895 $2,037 $2,184 $2,452 $1,982 $1,825 $1,825
Progressive Direct Insurance Company $749 $696 $747 $1,189 $1,476 $1,661 $1,173 $960 $893
Progressive Northern Insurance Company $921 $854 $925 $1,519 $1,898 $2,136 $1,490 $1,208 $1,077
Safeco Insurance Company of Illinois $1,420 $1,414 $1,379 $2,528 $2,709 $3,109 $1,956 $1,502 $1,361
State Farm Fire & Casualty Company $2,987 $2,701 $2,695 $4,580 $5,540 $5,238 $2,823 $3,283 $3,681
State Farm Mutual Automobile Insurance Company $2,364 $2,120 $2,117 $3,631 $4,388 $4,131 $2,220 $2,603 $2,917
Travelers Commercial Insurance Company $1,015 $883 $961 $1,528 $1,831 $2,235 $1,114 $1,032 $1,398
Travelers Home & Marine Insurance Company $1,067 $928 $1,011 $1,607 $1,927 $2,350 $1,170 $1,084 $1,470
United Services Automobile Association $1,546 $1,491 $1,491 $1,993 $2,145 $2,228 $1,491 $1,630 $1,491
USAA Casualty Insurance Company $1,745 $1,653 $1,653 $2,350 $2,527 $2,626 $1,653 $1,832 $1,653
Viking Insurance Company of WI $1,918 $1,766 $1,766 $2,708 $3,212 $3,212 $2,359 $2,223 $1,840
Western United Insurance Company $1,232 $1,248 $1,261 $1,988 $2,416 $2,472 $1,553 $1,301 $1,622
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Seventeen-year-old single male. Average student (“C” average). One ticket for driving 20 miles over the speed limit within past 12
months. Drives 10 miles, round trip, to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car
discount applies.
42
EXAMPLE B - Liability OPTION 1 - FORD F-150
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $917 $937 $893 $1,224 $1,505 $1,606 $1,091 $965 $917
American Access Casualty Company $2,309 $0 $2,561 $3,131 $4,337 $4,281 $2,477 $2,757 $0
American Family Mutual Insurance Company $2,106 $2,106 $2,199 $3,174 $3,977 $4,016 $2,221 $2,307 $2,106
American National Property & Casualty Company $1,230 $1,095 $1,156 $1,825 $2,399 $2,600 $1,755 $1,456 $1,184
Coast National Insurance Company $1,272 $1,116 $1,240 $2,015 $2,227 $2,471 $1,781 $1,417 $1,562
GEICO Casualty $596 $608 $608 $817 $975 $1,027 $608 $687 $608
Infinity Auto Insurance Company $1,496 $1,410 $1,502 $2,408 $2,836 $3,132 $2,303 $1,922 $1,781
Liberty Mutual General Insurance Company $791 $815 $989 $1,266 $1,463 $1,645 $949 $1,099 $1,194
Mid Century Insurance Company $692 $614 $614 $1,219 $1,552 $1,533 $1,055 $900 $1,144
Nevada Capital Insurance Company $2,051 $1,855 $1,855 $3,178 $3,486 $4,442 $1,855 $2,193 $2,479
Nevada General Insurance Company $1,985 $1,890 $1,890 $1,941 $2,078 $2,364 $1,936 $1,806 $1,806
Primero Insurance Company $3,210 $3,168 $3,168 $3,594 $3,705 $3,705 $3,300 $3,300 $3,168
Progressive Direct Insurance Company $680 $642 $675 $1,013 $1,236 $1,375 $1,003 $865 $818
Progressive Northern Insurance Company $818 $770 $820 $1,228 $1,511 $1,686 $1,225 $1,054 $956
Safeco Insurance Company of Illinois $1,173 $1,204 $1,156 $1,988 $2,035 $2,408 $1,611 $1,277 $1,150
State Farm Fire & Casualty Company $2,170 $1,989 $1,980 $3,212 $3,871 $3,666 $2,077 $2,371 $2,717
State Farm Mutual Automobile Insurance Company $1,722 $1,562 $1,557 $2,558 $3,081 $2,905 $1,633 $1,884 $2,155
Travelers Commercial Insurance Company $1,001 $873 $952 $1,432 $1,717 $2,068 $1,086 $1,019 $1,354
Travelers Home & Marine Insurance Company $1,051 $918 $999 $1,507 $1,804 $2,175 $1,142 $1,072 $1,423
United Services Automobile Association $1,241 $1,192 $1,192 $1,586 $1,717 $1,778 $1,192 $1,316 $1,192
USAA Casualty Insurance Company $1,262 $1,185 $1,185 $1,679 $1,821 $1,886 $1,185 $1,335 $1,185
Viking Insurance Company of WI $1,402 $1,300 $1,300 $1,918 $2,286 $2,286 $1,706 $1,616 $1,350
Western United Insurance Company $1,215 $1,258 $1,272 $1,896 $2,302 $2,347 $1,503 $1,300 $1,609
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Seventeen-year-old single male. Average student (“C” average). One ticket for driving 20 miles over the speed limit within past 12
months. Drives 10 miles, round trip, to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car
discount applies.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
43
EXAMPLE B - Liability OPTION 2 - FORD F-150
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $914 $931 $895 $1,261 $1,579 $1,691 $1,135 $954 $914
American Access Casualty Company $2,537 $0 $2,844 $3,476 $4,777 $4,720 $2,746 $3,048 $0
American Family Mutual Insurance Company $2,485 $2,462 $2,503 $3,962 $4,947 $5,010 $2,611 $2,740 $2,485
American National Property & Casualty Company $1,447 $1,275 $1,360 $2,173 $2,902 $3,148 $2,081 $1,726 $1,383
Coast National Insurance Company $1,620 $1,408 $1,589 $2,829 $3,127 $3,489 $2,422 $1,770 $1,996
GEICO Casualty $845 $845 $845 $1,213 $1,459 $1,584 $845 $935 $845
Infinity Auto Insurance Company $2,398 $2,223 $2,399 $4,428 $5,278 $5,911 $4,064 $3,139 $2,845
Liberty Mutual General Insurance Company $1,022 $1,052 $1,277 $1,634 $1,890 $2,125 $1,226 $1,420 $1,542
Mid Century Insurance Company $973 $808 $808 $1,776 $2,310 $2,290 $1,488 $1,243 $1,577
Nevada Capital Insurance Company $2,343 $2,127 $2,127 $3,972 $4,418 $5,545 $2,127 $2,523 $2,828
Nevada General Insurance Company $2,376 $2,227 $2,227 $2,441 $2,608 $2,933 $2,364 $2,155 $2,155
Progressive Direct Insurance Company $815 $748 $806 $1,354 $1,702 $1,900 $1,310 $1,051 $954
Progressive Northern Insurance Company $981 $898 $977 $1,670 $2,105 $2,355 $1,615 $1,287 $1,128
Safeco Insurance Company of Illinois $1,491 $1,493 $1,451 $2,633 $2,805 $3,238 $2,056 $1,585 $1,434
State Farm Fire & Casualty Company $2,692 $2,434 $2,429 $4,175 $5,043 $4,762 $2,547 $2,960 $3,315
State Farm Mutual Automobile Insurance Company $2,134 $1,912 $1,910 $3,319 $4,004 $3,765 $2,004 $2,350 $2,629
Travelers Commercial Insurance Company $1,046 $895 $982 $1,583 $1,909 $2,331 $1,132 $1,053 $1,450
Travelers Home & Marine Insurance Company $1,099 $940 $1,033 $1,664 $2,007 $2,453 $1,190 $1,107 $1,525
United Services Automobile Association $1,608 $1,513 $1,513 $2,152 $2,332 $2,416 $1,513 $1,688 $1,513
USAA Casualty Insurance Company $1,884 $1,737 $1,737 $2,624 $2,845 $2,948 $1,737 $1,968 $1,737
Viking Insurance Company of WI $1,815 $1,655 $1,655 $2,608 $3,121 $3,121 $2,237 $2,103 $1,734
Western United Insurance Company $1,184 $1,197 $1,199 $1,941 $2,387 $2,425 $1,488 $1,246 $1,550
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Seventeen-year-old single male. Average student (“C” average). One ticket for driving 20 miles over the speed limit within past 12
months. Drives 10 miles, round trip, to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car
discount applies.
44
EXAMPLE C - Liability OPTION 1 - SUBARU IMPREZA
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $911 $928 $891 $1,171 $1,402 $1,485 $1,063 $949 $911
American Access Casualty Company $1,639 $0 $2,082 $2,349 $2,646 $2,601 $2,046 $1,869 $0
American Family Mutual Insurance Company $1,000 $1,013 $1,056 $1,495 $1,872 $1,892 $1,066 $1,091 $1,000
American National Property & Casualty Company $669 $626 $647 $969 $1,278 $1,319 $957 $782 $644
Coast National Insurance Company $1,462 $1,346 $1,460 $2,284 $2,503 $2,783 $2,076 $1,670 $1,781
Country Mutual Insurance Company $901 $892 $892 $1,361 $1,888 $1,888 $1,089 $1,039 $1,101
GEICO Casualty $653 $666 $666 $860 $1,017 $1,063 $666 $741 $666
Infinity Auto Insurance Company $948 $929 $966 $1,412 $1,635 $1,824 $1,410 $1,211 $1,145
Liberty Mutual General Insurance Company $593 $610 $741 $948 $1,096 $1,232 $711 $824 $895
Mid Century Insurance Company $908 $854 $854 $1,581 $2,040 $2,018 $1,416 $1,214 $1,622
Nevada Capital Insurance Company $1,284 $1,170 $1,170 $1,816 $1,959 $2,541 $1,170 $1,378 $1,571
Nevada Direct Insurance Company $3,096 $1,734 $1,734 $3,156 $4,068 $3,138 $3,156 $2,412 $2,412
Nevada General Insurance Company $1,268 $1,211 $1,211 $1,252 $1,339 $1,519 $1,239 $1,158 $1,158
Primero Insurance Company $1,176 $1,128 $1,128 $1,632 $1,764 $1,764 $1,278 $1,278 $1,128
Progressive Direct Insurance Company $734 $699 $735 $1,026 $1,237 $1,383 $1,042 $926 $902
Progressive Northern Insurance Company $923 $880 $934 $1,310 $1,587 $1,777 $1,334 $1,183 $1,098
Safeco Insurance Company of Illinois $1,299 $1,346 $1,293 $2,134 $2,158 $2,567 $1,763 $1,422 $1,284
State Farm Fire & Casualty Company $972 $887 $883 $1,417 $1,715 $1,629 $924 $1,058 $1,211
State Farm Mutual Automobile Insurance Company $736 $667 $665 $1,073 $1,298 $1,227 $696 $802 $918
Travelers Commercial Insurance Company $679 $619 $658 $941 $1,109 $1,325 $759 $696 $890
Travelers Home & Marine Insurance Company $713 $650 $691 $986 $1,165 $1,394 $797 $731 $934
United Services Automobile Association $670 $664 $664 $800 $859 $889 $664 $709 $664
USAA Casualty Insurance Company $653 $637 $637 $806 $866 $897 $637 $689 $637
Viking Insurance Company of WI $1,386 $1,317 $1,317 $1,835 $2,182 $2,182 $1,689 $1,596 $1,355
Western United Insurance Company $767 $806 $818 $1,183 $1,418 $1,463 $961 $829 $1,024
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Twenty-three-year-old single female. One “at fault” accident within past 12 months (under $1000 damage). Attends college full-time
and maintains “B” average grades. Drives 10 miles, round trip, to school and her part-time job daily. Annual mileage is 12,000.
45
EXAMPLE C - Liability OPTION 2 - SUBARU IMPREZA
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $1,005 $1,019 $985 $1,363 $1,688 $1,798 $1,242 $1,041 $1,005
American Access Casualty Company $1,762 $0 $2,243 $2,511 $2,836 $2,792 $2,200 $2,011 $0
American Family Mutual Insurance Company $1,205 $1,212 $1,265 $1,915 $2,379 $2,407 $1,278 $1,320 $1,205
American National Property & Casualty Company $800 $737 $772 $1,171 $1,591 $1,614 $1,145 $939 $763
Coast National Insurance Company $1,844 $1,670 $1,845 $3,188 $3,503 $3,914 $2,788 $2,058 $2,259
Country Mutual Insurance Company $1,183 $1,142 $1,142 $1,831 $2,555 $2,555 $1,413 $1,352 $1,413
GEICO Casualty $901 $900 $900 $1,247 $1,495 $1,612 $900 $982 $900
Infinity Auto Insurance Company $1,460 $1,399 $1,477 $2,498 $2,927 $3,336 $2,374 $1,877 $1,734
Liberty Mutual General Insurance Company $728 $749 $909 $1,164 $1,346 $1,513 $873 $1,011 $1,099
Mid Century Insurance Company $1,181 $1,024 $1,024 $2,151 $2,831 $2,813 $1,839 $1,533 $2,028
Nevada Capital Insurance Company $1,436 $1,312 $1,312 $2,239 $2,442 $3,119 $1,312 $1,547 $1,751
Nevada General Insurance Company $1,571 $1,480 $1,480 $1,649 $1,764 $1,969 $1,572 $1,434 $1,434
Progressive Direct Insurance Company $865 $810 $864 $1,337 $1,643 $1,847 $1,325 $1,106 $1,039
Progressive Northern Insurance Company $1,103 $1,032 $1,110 $1,748 $2,163 $2,436 $1,730 $1,433 $1,294
Safeco Insurance Company of Illinois $1,556 $1,580 $1,532 $2,670 $2,807 $3,258 $2,122 $1,665 $1,511
State Farm Fire & Casualty Company $1,257 $1,132 $1,130 $1,936 $2,360 $2,245 $1,179 $1,373 $1,520
State Farm Mutual Automobile Insurance Company $939 $841 $840 $1,445 $1,757 $1,664 $878 $1,028 $1,142
Travelers Commercial Insurance Company $682 $607 $653 $995 $1,185 $1,434 $757 $690 $915
Travelers Home & Marine Insurance Company $714 $637 $684 $1,045 $1,243 $1,507 $795 $724 $961
United Services Automobile Association $794 $776 $776 $986 $1,053 $1,090 $776 $831 $776
USAA Casualty Insurance Company $824 $790 $790 $1,058 $1,130 $1,169 $790 $858 $790
Viking Insurance Company of WI $1,787 $1,667 $1,667 $2,512 $3,001 $3,001 $2,213 $2,073 $1,732
Western United Insurance Company $727 $745 $750 $1,184 $1,441 $1,484 $928 $772 $957
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Twenty-three-year-old single female. One “at fault” accident within past 12 months (under $1000 damage). Attends college full-time
and maintains “B” average grades. Drives 10 miles, round trip, to school and her part-time job daily. Annual mileage is 12,000.
46
EXAMPLE C - Liability OPTION 1 - FORD F-150
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $1,120 $1,154 $1,103 $1,425 $1,713 $1,817 $1,292 $1,175 $1,120
American Access Casualty Company $1,441 $0 $1,869 $2,061 $2,351 $2,315 $1,831 $1,660 $0
American Family Mutual Insurance Company $943 $951 $992 $1,432 $1,793 $1,812 $1,003 $1,030 $943
American National Property & Casualty Company $491 $450 $469 $721 $946 $997 $700 $577 $475
Coast National Insurance Company $1,196 $1,037 $1,161 $1,907 $2,107 $2,340 $1,674 $1,323 $1,471
Country Mutual Insurance Company $872 $837 $837 $1,351 $1,885 $1,885 $1,051 $997 $1,051
GEICO Casualty $674 $689 $689 $913 $1,087 $1,147 $689 $766 $689
Infinity Auto Insurance Company $934 $887 $940 $1,496 $1,742 $1,950 $1,436 $1,196 $1,105
Liberty Mutual General Insurance Company $676 $696 $845 $1,082 $1,251 $1,406 $811 $940 $1,021
Mid Century Insurance Company $708 $644 $644 $1,240 $1,585 $1,566 $1,088 $930 $1,201
Nevada Capital Insurance Company $947 $859 $859 $1,476 $1,617 $2,055 $859 $1,011 $1,141
Nevada Direct Insurance Company $1,764 $1,638 $1,638 $2,982 $3,828 $2,970 $2,982 $2,274 $1,638
Nevada General Insurance Company $1,500 $1,418 $1,418 $1,497 $1,599 $1,813 $1,474 $1,365 $1,365
Primero Insurance Company $1,596 $1,548 $1,548 $2,052 $2,184 $2,184 $1,698 $1,698 $1,548
Progressive Direct Insurance Company $767 $717 $759 $1,117 $1,358 $1,504 $1,108 $964 $915
Progressive Northern Insurance Company $939 $883 $942 $1,380 $1,688 $1,878 $1,380 $1,201 $1,096
Safeco Insurance Company of Illinois $1,412 $1,471 $1,409 $2,299 $2,311 $2,771 $1,920 $1,553 $1,398
State Farm Fire & Casualty Company $865 $792 $788 $1,278 $1,545 $1,466 $825 $943 $1,078
State Farm Mutual Automobile Insurance Company $656 $595 $594 $970 $1,171 $1,108 $622 $716 $818
United Services Automobile Association $674 $658 $658 $831 $896 $926 $658 $710 $658
USAA Casualty Insurance Company $681 $650 $650 $873 $941 $971 $650 $715 $650
Viking Insurance Company of WI $1,327 $1,249 $1,249 $1,797 $2,152 $2,152 $1,623 $1,528 $1,290
Western United Insurance Company $721 $764 $772 $1,130 $1,373 $1,405 $905 $782 $964
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Twenty-three-year-old single female. One “at fault” accident within past 12 months (under $1000 damage). Attends college full-time
and maintains “B” average grades. Drives 10 miles, round trip, to school and her part-time job daily. Annual mileage is 12,000.
47
EXAMPLE C - Liability OPTION 2 - FORD F-150
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $1,204 $1,235 $1,187 $1,610 $1,990 $2,124 $1,462 $1,257 $1,204
American Access Casualty Company $1,561 $0 $2,031 $2,219 $2,541 $2,506 $1,988 $1,802 $0
American Family Mutual Insurance Company $1,154 $1,155 $1,207 $1,860 $2,311 $2,338 $1,221 $1,265 $1,154
American National Property & Casualty Company $579 $524 $553 $860 $1,157 $1,208 $829 $685 $556
Coast National Insurance Company $1,552 $1,336 $1,519 $2,742 $3,032 $3,385 $2,332 $1,685 $1,915
Country Mutual Insurance Company $1,179 $1,104 $1,104 $1,869 $2,621 $2,621 $1,406 $1,338 $1,393
GEICO Casualty $942 $947 $947 $1,343 $1,613 $1,754 $947 $1,037 $947
Infinity Auto Insurance Company $1,522 $1,421 $1,526 $2,778 $3,301 $3,716 $2,561 $1,975 $1,790
Liberty Mutual General Insurance Company $844 $869 $1,055 $1,350 $1,561 $1,756 $1,013 $1,173 $1,274
Mid Century Insurance Company $918 $774 $774 $1,669 $2,174 $2,155 $1,409 $1,180 $1,512
Nevada Capital Insurance Company $1,099 $1,001 $1,001 $1,899 $2,100 $2,633 $1,001 $1,180 $1,321
Nevada General Insurance Company $1,863 $1,735 $1,735 $1,969 $2,100 $2,348 $1,872 $1,691 $1,691
Progressive Direct Insurance Company $933 $859 $925 $1,504 $1,868 $2,085 $1,462 $1,192 $1,096
Progressive Northern Insurance Company $1,159 $1,067 $1,157 $1,900 $2,372 $2,654 $1,852 $1,505 $1,336
Safeco Insurance Company of Illinois $1,654 $1,689 $1,633 $2,815 $2,941 $3,437 $2,259 $1,780 $1,611
State Farm Fire & Casualty Company $1,114 $1,004 $1,002 $1,732 $2,104 $1,998 $1,047 $1,218 $1,350
State Farm Mutual Automobile Insurance Company $836 $749 $748 $1,299 $1,576 $1,489 $783 $916 $1,018
United Services Automobile Association $829 $793 $793 $1,059 $1,140 $1,175 $793 $862 $793
USAA Casualty Insurance Company $885 $830 $830 $1,173 $1,263 $1,303 $830 $918 $830
Viking Insurance Company of WI $1,703 $1,574 $1,574 $2,440 $2,939 $2,939 $2,116 $1,976 $1,644
Western United Insurance Company $694 $716 $716 $1,148 $1,414 $1,446 $889 $736 $915
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Twenty-three-year-old single female. One “at fault” accident within past 12 months (under $1000 damage). Attends college full-time
and maintains “B” average grades. Drives 10 miles, round trip, to school and her part-time job daily. Annual mileage is 12,000.
48
EXAMPLE D - Liability OPTION 1 - SUBARU IMPREZA
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $699 $710 $685 $877 $1,042 $1,097 $804 $725 $699
American Access Casualty Company $935 $0 $1,096 $1,249 $1,321 $1,377 $1,075 $1,082 $0
American Family Mutual Insurance Company $1,147 $1,165 $1,214 $1,716 $2,146 $2,171 $1,225 $1,250 $1,147
American National Property & Casualty Company $597 $559 $578 $866 $1,146 $1,178 $854 $698 $575
Coast National Insurance Company $928 $880 $938 $1,442 $1,588 $1,761 $1,328 $1,071 $1,118
GEICO Casualty $384 $388 $388 $493 $582 $607 $388 $426 $388
Infinity Auto Insurance Company $670 $659 $683 $1,012 $1,174 $1,319 $1,005 $855 $804
Liberty Mutual General Insurance Company $537 $553 $671 $859 $993 $1,117 $644 $746 $811
Mid Century Insurance Company $479 $454 $454 $849 $1,104 $1,105 $755 $627 $833
Nevada Capital Insurance Company $714 $651 $651 $1,022 $1,097 $1,425 $651 $766 $873
Nevada Direct Insurance Company $1,392 $1,314 $1,314 $2,364 $3,030 $2,268 $2,364 $1,842 $1,314
Nevada General Insurance Company $1,192 $1,143 $1,143 $1,182 $1,267 $1,432 $1,167 $1,093 $1,093
Primero Insurance Company $810 $762 $762 $1,260 $1,398 $1,398 $918 $918 $762
Progressive Direct Insurance Company $565 $549 $568 $775 $922 $1,031 $789 $697 $675
Progressive Northern Insurance Company $636 $618 $649 $905 $1,097 $1,243 $929 $814 $751
Safeco Insurance Company of Illinois $717 $741 $721 $1,151 $1,169 $1,381 $957 $782 $711
State Farm Fire & Casualty Company $904 $831 $827 $1,326 $1,606 $1,531 $866 $984 $1,124
Travelers Commercial Insurance Company $358 $331 $351 $484 $567 $670 $402 $366 $460
Travelers Home & Marine Insurance Company $375 $347 $367 $507 $594 $704 $420 $384 $483
United Services Automobile Association $531 $529 $529 $627 $671 $695 $529 $560 $529
USAA Casualty Insurance Company $536 $526 $526 $654 $700 $724 $526 $563 $526
Viking Insurance Company of WI $1,124 $1,074 $1,074 $1,494 $1,783 $1,783 $1,376 $1,293 $1,101
Western United Insurance Company $771 $823 $834 $1,201 $1,448 $1,494 $978 $841 $1,034
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily.
Annual mileage is 10,000.
49
EXAMPLE D - Liability OPTION 2 - SUBARU IMPREZA
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $827 $839 $814 $1,120 $1,394 $1,479 $1,030 $854 $827
American Access Casualty Company $1,043 $0 $1,224 $1,384 $1,483 $1,539 $1,198 $1,209 $0
American Family Mutual Insurance Company $1,451 $1,463 $1,527 $2,306 $2,861 $2,897 $1,542 $1,589 $1,451
American National Property & Casualty Company $718 $662 $694 $1,053 $1,437 $1,448 $1,028 $844 $686
Coast National Insurance Company $1,165 $1,081 $1,177 $2,005 $2,211 $2,463 $1,772 $1,312 $1,414
GEICO Casualty $563 $549 $549 $760 $911 $982 $549 $591 $549
Infinity Auto Insurance Company $1,075 $1,032 $1,088 $1,855 $2,172 $2,489 $1,759 $1,377 $1,268
Liberty Mutual General Insurance Company $640 $659 $799 $1,023 $1,183 $1,330 $767 $889 $966
Mid Century Insurance Company $664 $586 $586 $1,225 $1,624 $1,630 $1,047 $849 $1,128
Nevada Capital Insurance Company $813 $745 $745 $1,303 $1,413 $1,804 $745 $875 $987
Nevada General Insurance Company $1,500 $1,421 $1,421 $1,592 $1,705 $1,894 $1,507 $1,378 $1,378
Progressive Direct Insurance Company $710 $675 $714 $1,074 $1,304 $1,479 $1,070 $889 $835
Progressive Northern Insurance Company $840 $797 $850 $1,338 $1,652 $1,882 $1,330 $1,085 $977
Safeco Insurance Company of Illinois $851 $863 $844 $1,433 $1,509 $1,744 $1,145 $910 $829
State Farm Fire & Casualty Company $1,179 $1,068 $1,065 $1,827 $2,228 $2,125 $1,111 $1,287 $1,422
Travelers Commercial Insurance Company $347 $314 $336 $494 $583 $697 $389 $353 $458
Travelers Home & Marine Insurance Company $363 $329 $351 $518 $611 $733 $408 $369 $478
United Services Automobile Association $628 $617 $617 $769 $820 $848 $617 $656 $617
USAA Casualty Insurance Company $674 $651 $651 $854 $911 $942 $651 $700 $651
Viking Insurance Company of WI $1,464 $1,373 $1,373 $2,068 $2,476 $2,476 $1,822 $1,698 $1,422
Western United Insurance Company $970 $1,006 $1,010 $1,610 $1,974 $2,040 $1,265 $1,034 $1,279
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily.
Annual mileage is 10,000.
50
EXAMPLE D - Liability OPTION 1 - FORD F-150
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $856 $882 $846 $1,064 $1,271 $1,342 $973 $896 $856
American Access Casualty Company $840 $0 $991 $1,122 $1,203 $1,249 $969 $978 $0
American Family Mutual Insurance Company $1,080 $1,092 $1,139 $1,641 $2,053 $2,076 $1,151 $1,180 $1,080
American National Property & Casualty Company $438 $403 $419 $645 $847 $891 $625 $516 $424
Coast National Insurance Company $728 $649 $715 $1,155 $1,279 $1,419 $1,029 $814 $888
GEICO Casualty $395 $400 $400 $519 $617 $648 $400 $439 $400
Infinity Auto Insurance Company $666 $635 $670 $1,072 $1,262 $1,402 $1,028 $851 $771
Liberty Mutual General Insurance Company $597 $614 $746 $954 $1,104 $1,241 $716 $829 $901
Mid Century Insurance Company $383 $354 $354 $682 $879 $881 $597 $493 $636
Nevada Capital Insurance Company $529 $481 $481 $835 $910 $1,159 $481 $565 $637
Nevada Direct Insurance Company $1,302 $1,224 $1,224 $2,184 $2,808 $2,100 $2,184 $1,710 $1,224
Nevada General Insurance Company $1,404 $1,333 $1,333 $1,405 $1,503 $1,699 $1,382 $1,281 $1,281
Primero Insurance Company $1,230 $1,182 $1,182 $1,680 $1,824 $1,824 $1,338 $1,338 $1,182
Progressive Direct Insurance Company $579 $557 $577 $819 $986 $1,098 $819 $712 $673
Progressive Northern Insurance Company $636 $616 $644 $939 $1,146 $1,290 $945 $812 $737
Safeco Insurance Company of Illinois $777 $808 $784 $1,241 $1,252 $1,493 $1,041 $853 $773
State Farm Fire & Casualty Company $807 $744 $740 $1,198 $1,449 $1,380 $776 $880 $1,004
United Services Automobile Association $536 $528 $528 $652 $702 $722 $528 $563 $528
USAA Casualty Insurance Company $557 $535 $535 $703 $756 $780 $535 $584 $535
Viking Insurance Company of WI $1,074 $1,017 $1,017 $1,458 $1,753 $1,753 $1,319 $1,235 $1,047
Western United Insurance Company $735 $793 $798 $1,161 $1,415 $1,451 $934 $804 $986
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily.
Annual mileage is 10,000.
51
EXAMPLE D - Liability OPTION 2 - FORD F-150
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $978 $1,004 $968 $1,302 $1,614 $1,719 $1,191 $1,018 $978
American Access Casualty Company $947 $0 $1,117 $1,255 $1,362 $1,407 $1,091 $1,103 $0
American Family Mutual Insurance Company $1,387 $1,392 $1,455 $2,236 $2,775 $2,809 $1,471 $1,521 $1,387
American National Property & Casualty Company $519 $471 $497 $772 $1,041 $1,082 $743 $615 $499
Coast National Insurance Company $941 $830 $931 $1,662 $1,840 $2,052 $1,429 $1,032 $1,155
GEICO Casualty $582 $571 $571 $804 $966 $1,048 $571 $616 $571
Infinity Auto Insurance Company $1,115 $1,045 $1,119 $2,039 $2,417 $2,736 $1,879 $1,440 $1,301
Liberty Mutual General Insurance Company $722 $743 $902 $1,154 $1,335 $1,501 $866 $1,003 $1,089
Mid Century Insurance Company $519 $449 $449 $956 $1,257 $1,260 $810 $659 $851
Nevada Capital Insurance Company $628 $575 $575 $1,116 $1,226 $1,538 $575 $674 $751
Nevada General Insurance Company $1,766 $1,654 $1,654 $1,880 $2,010 $2,236 $1,780 $1,610 $1,610
Progressive Direct Insurance Company $745 $703 $741 $1,165 $1,428 $1,610 $1,141 $931 $858
Progressive Northern Insurance Company $860 $811 $865 $1,413 $1,760 $1,992 $1,386 $1,112 $985
Safeco Insurance Company of Illinois $904 $922 $900 $1,511 $1,582 $1,841 $1,219 $972 $884
State Farm Fire & Casualty Company $1,046 $949 $946 $1,634 $1,987 $1,892 $989 $1,143 $1,265
United Services Automobile Association $653 $630 $630 $823 $883 $911 $630 $679 $630
USAA Casualty Insurance Company $718 $681 $681 $940 $1,009 $1,040 $681 $745 $681
Viking Insurance Company of WI $1,387 $1,290 $1,290 $1,995 $2,409 $2,409 $1,732 $1,609 $1,343
Western United Insurance Company $935 $978 $975 $1,569 $1,944 $1,999 $1,220 $999 $1,235
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily.
Annual mileage is 10,000.
52
EXAMPLE E - Liability OPTION 1 - SUBARU IMPREZA
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $392 $400 $386 $488 $581 $612 $448 $408 $392
American Access Casualty Company $749 $0 $871 $991 $1,048 $1,084 $854 $858 $0
American Family Mutual Insurance Company $481 $492 $512 $721 $903 $913 $518 $522 $481
American National Property & Casualty Company $427 $405 $418 $624 $831 $839 $611 $501 $414
Coast National Insurance Company $677 $651 $687 $1,036 $1,148 $1,267 $965 $786 $809
Country Mutual Insurance Company $421 $426 $426 $634 $885 $885 $512 $483 $512
GEICO Casualty $172 $173 $173 $219 $258 $270 $173 $189 $173
Infinity Auto Insurance Company $397 $394 $406 $586 $687 $765 $590 $505 $477
Liberty Mutual General Insurance Company $253 $260 $316 $404 $467 $525 $303 $351 $381
Mid Century Insurance Company $385 $365 $365 $683 $891 $891 $608 $506 $677
Nevada Capital Insurance Company $537 $491 $491 $775 $832 $1,080 $491 $576 $656
Nevada Direct Insurance Company $918 $858 $858 $1,572 $2,034 $1,602 $1,562 $1,200 $858
Nevada General Insurance Company $640 $621 $621 $631 $679 $765 $624 $591 $591
Primero Insurance Company $486 $474 $474 $774 $876 $876 $504 $504 $474
Progressive Direct Insurance Company $304 $295 $306 $425 $509 $572 $433 $382 $369
Progressive Northern Insurance Company $351 $338 $357 $510 $620 $700 $518 $449 $412
Safeco Insurance Company of Illinois $413 $425 $416 $669 $683 $808 $554 $451 $409
State Farm Fire & Casualty Company $487 $450 $447 $716 $868 $829 $468 $530 $605
State Farm Mutual Automobile Insurance Company $416 $382 $380 $612 $741 $705 $398 $453 $517
Travelers Commercial Insurance Company $352 $321 $342 $485 $572 $682 $398 $359 $458
Travelers Home & Marine Insurance Company $368 $337 $359 $509 $601 $716 $418 $377 $481
United Services Automobile Association $381 $380 $380 $446 $477 $492 $380 $401 $380
USAA Casualty Insurance Company $370 $365 $365 $449 $478 $493 $365 $389 $365
Viking Insurance Company of WI $680 $657 $657 $892 $1,065 $1,065 $832 $780 $669
Western United Insurance Company $465 $499 $506 $718 $865 $891 $588 $509 $625
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on
each vehicle. Multi-car discount applies. Rates are shown for the husband's vehicle.
53
EXAMPLE E - Liability OPTION 2 - SUBARU IMPREZA
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $482 $490 $476 $615 $744 $783 $571 $497 $482
American Access Casualty Company $847 $0 $984 $1,114 $1,188 $1,222 $964 $973 $0
American Family Mutual Insurance Company $625 $635 $662 $999 $1,238 $1,252 $669 $681 $625
American National Property & Casualty Company $521 $486 $509 $769 $1,063 $1,042 $745 $613 $501
Coast National Insurance Company $830 $780 $841 $1,396 $1,545 $1,718 $1,248 $941 $999
Country Mutual Insurance Company $582 $572 $572 $897 $1,259 $1,259 $695 $660 $690
Country Preferred Insurance Company $525 $515 $515 $808 $1,134 $1,134 $624 $594 $621
GEICO Casualty $253 $246 $246 $341 $407 $440 $246 $264 $246
Infinity Auto Insurance Company $592 $577 $602 $991 $1,154 $1,327 $953 $756 $700
Liberty Mutual General Insurance Company $311 $320 $388 $497 $574 $646 $373 $432 $469
Mid Century Insurance Company $573 $504 $504 $1,060 $1,411 $1,415 $906 $735 $982
Nevada Capital Insurance Company $621 $570 $570 $1,013 $1,094 $1,397 $570 $666 $751
Nevada General Insurance Company $819 $787 $787 $874 $940 $1,035 $824 $761 $761
Progressive Direct Insurance Company $343 $323 $344 $533 $654 $737 $526 $432 $405
Progressive Northern Insurance Company $388 $366 $390 $641 $798 $906 $630 $506 $449
Safeco Insurance Company of Illinois $501 $503 $496 $850 $902 $1,042 $677 $535 $487
State Farm Fire & Casualty Company $643 $584 $582 $999 $1,221 $1,167 $607 $700 $772
State Farm Mutual Automobile Insurance Company $543 $491 $490 $844 $1,029 $980 $511 $593 $655
Travelers Commercial Insurance Company $352 $315 $340 $513 $610 $735 $399 $356 $470
Travelers Home & Marine Insurance Company $370 $331 $356 $538 $640 $773 $419 $373 $492
United Services Automobile Association $458 $449 $449 $554 $590 $608 $449 $477 $449
USAA Casualty Insurance Company $473 $458 $458 $592 $628 $648 $458 $491 $458
Viking Insurance Company of WI $869 $823 $823 $1,208 $1,445 $1,445 $1,079 $1,004 $847
Western United Insurance Company $438 $456 $460 $714 $872 $896 $563 $469 $580
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on
each vehicle. Multi-car discount applies. Rates are shown for the husband's vehicle.
54
EXAMPLE E - Liability OPTION 1 - FORD F-150
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $494 $514 $492 $609 $731 $772 $559 $519 $494
American Access Casualty Company $679 $0 $791 $896 $956 $988 $774 $795 $0
American Family Mutual Insurance Company $453 $461 $481 $691 $864 $874 $487 $493 $453
American National Property & Casualty Company $313 $293 $303 $464 $611 $633 $447 $370 $305
Coast National Insurance Company $521 $473 $517 $819 $910 $1,005 $735 $589 $633
Country Mutual Insurance Company $406 $398 $398 $625 $878 $878 $492 $462 $487
GEICO Casualty $176 $178 $178 $230 $273 $287 $178 $194 $178
Infinity Auto Insurance Company $385 $373 $390 $607 $714 $796 $590 $491 $453
Liberty Mutual General Insurance Company $286 $295 $358 $458 $529 $595 $343 $398 $432
Mid Century Insurance Company $298 $277 $277 $530 $686 $686 $466 $386 $501
Nevada Capital Insurance Company $401 $365 $365 $636 $693 $882 $365 $427 $481
Nevada Direct Insurance Company $852 $792 $792 $1,410 $1,794 $1,350 $1,410 $1,122 $792
Nevada General Insurance Company $743 $715 $715 $725 $792 $894 $728 $683 $683
Primero Insurance Company $750 $720 $720 $1,074 $1,176 $1,176 $804 $804 $720
Progressive Direct Insurance Company $319 $303 $316 $459 $555 $620 $457 $396 $372
Progressive Northern Insurance Company $360 $345 $363 $538 $659 $740 $538 $460 $416
Safeco Insurance Company of Illinois $449 $465 $454 $721 $733 $874 $603 $493 $446
State Farm Fire & Casualty Company $435 $403 $401 $647 $783 $747 $420 $473 $540
State Farm Mutual Automobile Insurance Company $372 $342 $341 $554 $670 $637 $357 $405 $462
Travelers Commercial Insurance Company $356 $320 $343 $493 $585 $699 $398 $359 $465
Travelers Home & Marine Insurance Company $372 $337 $360 $517 $615 $734 $418 $376 $488
United Services Automobile Association $386 $382 $382 $466 $498 $512 $382 $404 $382
USAA Casualty Insurance Company $387 $373 $373 $482 $518 $534 $373 $405 $373
Viking Insurance Company of WI $642 $616 $616 $859 $1,034 $1,034 $789 $737 $630
Western United Insurance Company $446 $484 $487 $696 $849 $869 $563 $489 $597
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on
each vehicle. Multi-car discount applies. Rates are shown for the husband's vehicle.
55
EXAMPLE E - Liability OPTION 2 - FORD F-150
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $578 $597 $576 $728 $882 $933 $673 $602 $578
American Access Casualty Company $776 $0 $902 $1,017 $1,094 $1,125 $882 $910 $0
American Family Mutual Insurance Company $573 $581 $606 $930 $1,151 $1,163 $613 $624 $573
American National Property & Casualty Company $374 $344 $362 $560 $760 $773 $536 $444 $362
Coast National Insurance Company $661 $591 $657 $1,145 $1,271 $1,413 $993 $731 $808
Country Mutual Insurance Company $577 $551 $551 $909 $1,281 $1,281 $687 $650 $677
Country Preferred Insurance Company $520 $497 $497 $819 $1,154 $1,154 $617 $585 $609
GEICO Casualty $261 $256 $256 $360 $431 $469 $256 $274 $256
Infinity Auto Insurance Company $596 $569 $602 $1,061 $1,256 $1,426 $994 $769 $698
Liberty Mutual General Insurance Company $356 $367 $445 $570 $659 $740 $427 $495 $538
Mid Century Insurance Company $435 $376 $376 $802 $1,057 $1,059 $680 $554 $720
Nevada Capital Insurance Company $485 $444 $444 $874 $955 $1,199 $444 $517 $576
Nevada General Insurance Company $945 $873 $873 $1,010 $1,082 $1,198 $952 $873 $873
Progressive Direct Insurance Company $367 $343 $365 $587 $729 $821 $573 $463 $423
Progressive Northern Insurance Company $405 $380 $407 $688 $861 $971 $668 $528 $462
Safeco Insurance Company of Illinois $532 $538 $529 $896 $945 $1,099 $720 $572 $519
State Farm Fire & Casualty Company $570 $518 $516 $891 $1,085 $1,036 $539 $621 $686
State Farm Mutual Automobile Insurance Company $483 $437 $436 $756 $919 $874 $456 $528 $584
Travelers Commercial Insurance Company $360 $318 $344 $527 $629 $758 $403 $361 $483
Travelers Home & Marine Insurance Company $378 $334 $362 $552 $661 $798 $424 $379 $505
United Services Automobile Association $477 $462 $462 $594 $635 $654 $462 $494 $462
USAA Casualty Insurance Company $506 $480 $480 $651 $696 $717 $480 $523 $480
Viking Insurance Company of WI $813 $765 $765 $1,148 $1,386 $1,386 $1,012 $939 $790
Western United Insurance Company $424 $446 $447 $701 $863 $883 $545 $456 $562
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on
each vehicle. Multi-car discount applies. Rates are shown for the husband's vehicle.
56
EXAMPLE F - Liability OPTION 1 - SUBARU IMPREZA
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
American Access Casualty Company $1,516 $0 $1,761 $1,992 $2,147 $2,256 $1,726 $1,748 $0
American Family Mutual Insurance Company $1,365 $1,364 $1,420 $2,054 $2,553 $2,574 $1,430 $1,496 $1,365
Coast National Insurance Company $1,568 $1,452 $1,569 $2,435 $2,665 $2,964 $2,224 $1,798 $1,910
GEICO Casualty $1,050 $1,069 $1,069 $1,402 $1,658 $1,738 $1,069 $1,200 $1,069
Infinity Auto Insurance Company $862 $845 $878 $1,271 $1,470 $1,649 $1,274 $1,101 $1,042
Liberty Mutual General Insurance Company $1,423 $1,465 $1,778 $2,276 $2,632 $2,959 $1,707 $1,977 $2,148
Mid Century Insurance Company $1,054 $951 $951 $1,881 $2,466 $2,448 $1,647 $1,388 $1,845
Nevada General Insurance Company $1,258 $1,231 $1,231 $1,220 $1,311 $1,485 $1,225 $1,156 $1,156
Primero Insurance Company $1,734 $1,692 $1,692 $2,118 $2,232 $2,232 $1,818 $1,818 $1,692
Progressive Direct Insurance Company $1,040 $1,016 $1,046 $1,296 $1,482 $1,624 $1,324 $1,222 $1,209
Progressive Northern Insurance Company $1,205 $1,177 $1,223 $1,535 $1,779 $1,968 $1,577 $1,449 $1,379
Safeco Insurance Company of Illinois $1,992 $2,051 $1,977 $3,374 $3,468 $4,077 $2,719 $2,162 $1,955
Travelers Commercial Insurance Company $857 $774 $828 $1,201 $1,419 $1,696 $954 $883 $1,136
Travelers Home & Marine Insurance Company $899 $815 $869 $1,263 $1,491 $1,783 $1,001 $928 $1,193
United Services Automobile Association $916 $902 $902 $1,111 $1,193 $1,237 $902 $969 $902
USAA Casualty Insurance Company $916 $887 $887 $1,151 $1,238 $1,281 $887 $967 $887
Viking Insurance Company of WI $1,094 $1,040 $1,040 $1,460 $1,745 $1,745 $1,336 $1,256 $1,068
Western United Insurance Company $1,651 $1,726 $1,754 $2,547 $3,065 $3,141 $2,055 $1,781 $2,200
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Forty-five-year-old single male. DUI, second offense within past two years. SR22 required. Drives 15 miles, round trip, to work daily.
Annual mileage is 15,000.
57
EXAMPLE F - Liability OPTION 2 - SUBARU IMPREZA
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
American Access Casualty Company $1,661 $0 $1,936 $2,186 $2,364 $2,481 $1,895 $1,919 $0
American Family Mutual Insurance Company $1,652 $1,642 $1,714 $2,642 $3,264 $3,299 $1,728 $1,819 $1,652
Coast National Insurance Company $1,961 $1,786 $1,965 $3,366 $3,393 $4,127 $2,957 $2,197 $2,400
GEICO Casualty $1,522 $1,522 $1,522 $2,157 $2,581 $2,800 $1,522 $1,676 $1,522
Infinity Auto Insurance Company $1,294 $1,241 $1,309 $2,195 $2,571 $2,923 $2,090 $1,666 $1,543
Liberty Mutual General Insurance Company $1,807 $1,861 $2,258 $2,890 $3,342 $3,758 $2,168 $2,511 $2,728
Mid Century Insurance Company $1,449 $1,210 $1,210 $2,693 $3,594 $3,581 $2,264 $1,862 $2,454
Nevada General Insurance Company $1,518 $1,463 $1,463 $1,550 $1,673 $1,863 $1,469 $1,394 $1,394
Progressive Direct Insurance Company $1,146 $1,105 $1,150 $1,552 $1,817 $2,006 $1,555 $1,367 $1,321
Progressive Northern Insurance Company $1,276 $1,227 $1,288 $1,780 $2,110 $2,342 $1,782 $1,551 $1,443
Safeco Insurance Company of Illinois $2,538 $2,562 $2,491 $4,488 $4,790 $5,503 $3,485 $2,693 $2,447
Travelers Commercial Insurance Company $856 $757 $818 $1,261 $1,502 $1,819 $949 $873 $1,160
Travelers Home & Marine Insurance Company $898 $795 $858 $1,324 $1,578 $1,912 $996 $916 $1,218
United Services Automobile Association $1,099 $1,064 $1,064 $1,377 $1,473 $1,522 $1,064 $1,148 $1,064
USAA Casualty Insurance Company $1,170 $1,114 $1,114 $1,517 $1,619 $1,675 $1,114 $1,217 $1,114
Viking Insurance Company of WI $1,394 $1,302 $1,302 $1,965 $2,357 $2,357 $1,727 $1,613 $1,349
Western United Insurance Company $1,581 $1,616 $1,627 $2,564 $3,126 $3,186 $1,997 $1,678 $2,079
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Forty-five-year-old single male. DUI, second offense within past two years. SR22 required. Drives 15 miles, round trip, to work daily.
Annual mileage is 15,000.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
58
EXAMPLE F - Liability OPTION 1 - FORD F-150
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
American Access Casualty Company $1,348 $0 $1,575 $1,783 $1,926 $2,021 $1,539 $1,559 $0
American Family Mutual Insurance Company $1,291 $1,285 $1,340 $1,973 $2,455 $2,475 $1,351 $1,417 $1,291
Coast National Insurance Company $1,268 $1,108 $1,237 $2,020 $2,228 $2,474 $1,780 $1,411 $1,562
GEICO Casualty $1,065 $1,088 $1,088 $1,472 $1,749 $1,852 $1,088 $1,224 $1,088
Infinity Auto Insurance Company $847 $805 $852 $1,344 $1,581 $1,748 $1,295 $1,083 $1,003
Liberty Mutual General Insurance Company $1,644 $1,693 $2,054 $2,630 $3,040 $3,418 $1,972 $2,284 $2,482
Mid Century Insurance Company $846 $737 $737 $1,523 $1,985 $1,971 $1,308 $1,097 $1,416
Nevada General Insurance Company $1,448 $1,387 $1,387 $1,398 $1,507 $1,707 $1,409 $1,318 $1,318
Primero Insurance Company $2,082 $2,040 $2,040 $2,466 $2,586 $2,586 $2,166 $2,166 $2,040
Progressive Direct Insurance Company $1,051 $1,019 $1,053 $1,351 $1,560 $1,703 $1,358 $1,236 $1,200
Progressive Northern Insurance Company $1,197 $1,162 $1,208 $1,569 $1,832 $2,015 $1,589 $1,438 $1,352
Safeco Insurance Company of Illinois $2,146 $2,222 $2,135 $3,602 $3,678 $4,357 $2,934 $2,342 $2,113
United Services Automobile Association $947 $917 $917 $1,188 $1,282 $1,323 $917 $997 $917
USAA Casualty Insurance Company $981 $927 $927 $1,280 $1,383 $1,427 $927 $1,031 $927
Viking Insurance Company of WI $1,059 $998 $998 $1,447 $1,742 $1,742 $1,299 $1,217 $1,029
Western United Insurance Company $1,582 $1,662 $1,676 $2,475 $3,013 $3,066 $1,967 $1,705 $2,098
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Forty-five-year-old single male. DUI, second offense within past two years. SR22 required. Drives 15 miles, round trip, to work daily.
Annual mileage is 15,000.
59
EXAMPLE F - Liability OPTION 2 - FORD F-150
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
American Access Casualty Company $1,491 $0 $1,747 $1,972 $2,138 $2,240 $1,704 $1,727 $0
American Family Mutual Insurance Company $1,585 $1,569 $1,640 $2,570 $3,179 $3,212 $1,656 $1,746 $1,585
Coast National Insurance Company $1,636 $1,417 $1,607 $2,885 $3,184 $3,555 $2,461 $1,785 $2,022
GEICO Casualty $1,588 $1,600 $1,600 $2,333 $2,792 $3,058 $1,600 $1,771 $1,600
Infinity Auto Insurance Company $1,349 $1,261 $1,352 $2,448 $2,913 $3,272 $2,264 $1,754 $1,591
Liberty Mutual General Insurance Company $2,114 $2,177 $2,643 $3,382 $3,911 $4,397 $2,537 $2,938 $3,192
Mid Century Insurance Company $1,165 $945 $945 $2,168 $2,878 $2,863 $1,800 $1,483 $1,905
Nevada General Insurance Company $1,706 $1,614 $1,614 $1,738 $1,857 $2,089 $1,690 $1,561 $1,561
Progressive Direct Insurance Company $1,187 $1,131 $1,186 $1,667 $1,981 $2,179 $1,646 $1,421 $1,346
Progressive Northern Insurance Company $1,299 $1,240 $1,305 $1,869 $2,236 $2,472 $1,849 $1,581 $1,453
Safeco Insurance Company of Illinois $2,673 $2,712 $2,630 $4,687 $4,973 $5,748 $3,673 $2,851 $2,585
United Services Automobile Association $1,172 $1,111 $1,111 $1,519 $1,635 $1,684 $1,111 $1,220 $1,111
USAA Casualty Insurance Company $1,287 $1,199 $1,199 $1,723 $1,855 $1,915 $1,199 $1,334 $1,199
Viking Insurance Company of WI $1,344 $1,243 $1,243 $1,932 $2,335 $2,335 $1,670 $1,555 $1,295
Western United Insurance Company $1,537 $1,576 $1,575 $2,529 $3,117 $3,158 $1,941 $1,631 $2,016
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Forty-five-year-old single male. DUI, second offense within past two years. SR22 required. Drives 15 miles, round trip, to work daily.
Annual mileage is 15,000.
60
EXAMPLE G - Liability OPTION 1 - SUBARU IMPREZA
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $727 $674 $652 $845 $1,004 $1,057 $774 $691 $668
American Access Casualty Company $1,326 $0 $1,266 $1,373 $1,733 $1,671 $1,271 $1,456 $0
American Family Mutual Insurance Company $750 $756 $787 $1,130 $1,408 $1,421 $794 $818 $750
American National Property & Casualty Company $602 $559 $580 $874 $1,161 $1,197 $860 $705 $578
Coast National Insurance Company $1,221 $1,128 $1,221 $1,919 $2,106 $2,340 $1,746 $1,395 $1,485
Country Mutual Insurance Company $582 $576 $576 $879 $1,221 $1,221 $701 $670 $708
GEICO Casualty $393 $399 $399 $523 $618 $651 $399 $442 $399
Hartford Insurance Company of the Midwest $451 $459 $434 $666 $731 $772 $443 $445 $481
Infinity Auto Insurance Company $766 $747 $780 $1,151 $1,334 $1,495 $1,142 $979 $926
Liberty Mutual General Insurance Company $441 $454 $551 $706 $816 $917 $529 $613 $666
Mid Century Insurance Company $506 $472 $472 $897 $1,166 $1,163 $794 $663 $882
Nevada Capital Insurance Company $925 $843 $843 $1,317 $1,417 $1,840 $843 $993 $1,131
Nevada Direct Insurance Company $1,182 $1,098 $1,098 $1,998 $2,556 $2,004 $1,998 $1,536 $1,098
Nevada General Insurance Company $777 $742 $742 $787 $842 $946 $765 $713 $713
Primero Insurance Company $1,416 $1,398 $1,398 $1,818 $1,932 $1,932 $1,506 $1,506 $1,398
Progressive Direct Insurance Company $517 $491 $518 $720 $864 $966 $730 $647 $632
Progressive Northern Insurance Company $627 $600 $636 $893 $1,082 $1,216 $911 $803 $745
Safeco Insurance Company of Illinois $783 $798 $777 $1,296 $1,338 $1,555 $1,046 $842 $768
State Farm Fire & Casualty Company $756 $691 $689 $1,114 $1,351 $1,285 $720 $823 $937
State Farm Mutual Automobile Insurance Company $570 $518 $516 $841 $1,017 $964 $540 $622 $708
Travelers Commercial Insurance Company $526 $480 $511 $723 $846 $1,004 $589 $542 $685
Travelers Home & Marine Insurance Company $551 $505 $535 $757 $889 $1,056 $617 $568 $720
United Services Automobile Association $518 $511 $511 $620 $665 $688 $511 $547 $511
USAA Casualty Insurance Company $511 $497 $497 $633 $676 $700 $497 $538 $497
Viking Insurance Company of WI $748 $711 $711 $1,006 $1,203 $1,203 $917 $860 $730
Western United Insurance Company $814 $849 $863 $1,262 $1,522 $1,565 $1,018 $875 $1,085
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Fifty-five-year-old married female, principal operator of vehicle, retired 65 year-old husband who is an occasional operator with a clean
driving record. Female has one “at fault” accident within past 21 months (over $2,000 damage). Drives 15 miles, round trip, to work
daily. Drives 15,000 miles annually.
61
EXAMPLE G - Liability OPTION 2 - SUBARU IMPREZA
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $750 $755 $734 $1,000 $1,228 $1,300 $919 $772 $750
American Access Casualty Company $1,433 $0 $1,377 $1,497 $1,885 $1,818 $1,379 $1,580 $0
American Family Mutual Insurance Company $925 $928 $969 $1,485 $1,834 $1,853 $977 $1,013 $925
American National Property & Casualty Company $731 $670 $705 $1,073 $1,469 $1,486 $1,048 $861 $697
Coast National Insurance Company $1,554 $1,410 $1,557 $2,710 $2,979 $3,330 $2,367 $1,734 $1,902
Country Mutual Insurance Company $812 $783 $783 $1,256 $1,754 $1,754 $963 $924 $964
GEICO Casualty $594 $583 $583 $828 $995 $1,081 $583 $631 $583
Hartford Insurance Company of the Midwest $468 $479 $453 $785 $811 $883 $466 $468 $491
Infinity Auto Insurance Company $1,183 $1,128 $1,195 $2,042 $2,396 $2,724 $1,930 $1,524 $1,407
Liberty Mutual General Insurance Company $543 $559 $678 $868 $1,004 $1,128 $651 $754 $819
Mid Century Insurance Company $746 $652 $652 $1,375 $1,823 $1,825 $1,173 $958 $1,276
Nevada Capital Insurance Company $1,044 $955 $955 $1,650 $1,795 $2,292 $955 $1,125 $1,269
Nevada General Insurance Company $1,022 $967 $967 $1,117 $1,195 $1,316 $1,036 $943 $943
Progressive Direct Insurance Company $628 $590 $628 $975 $1,196 $1,346 $965 $796 $750
Progressive Northern Insurance Company $778 $728 $783 $1,243 $1,537 $1,736 $1,228 $1,006 $909
Safeco Insurance Company of Illinois $994 $994 $974 $1,725 $1,848 $2,106 $1,343 $1,049 $958
State Farm Fire & Casualty Company $1,002 $902 $901 $1,561 $1,906 $1,818 $939 $1,092 $1,200
State Farm Mutual Automobile Insurance Company $743 $666 $665 $1,156 $1,408 $1,337 $695 $812 $896
Travelers Commercial Insurance Company $509 $455 $491 $735 $870 $1,044 $568 $520 $676
Travelers Home & Marine Insurance Company $533 $476 $513 $772 $913 $1,097 $596 $544 $711
United Services Automobile Association $635 $618 $618 $787 $837 $866 $618 $664 $618
USAA Casualty Insurance Company $663 $636 $636 $849 $904 $934 $636 $690 $636
Viking Insurance Company of WI $987 $922 $922 $1,410 $1,691 $1,691 $1,231 $1,146 $956
Western United Insurance Company $806 $820 $825 $1,323 $1,618 $1,662 $1,030 $851 $1,057
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Fifty-five-year-old married female, principal operator of vehicle, retired 65 year-old husband who is an occasional operator with a clean
driving record. Female has one “at fault” accident within past 21 months (over $2,000 damage). Drives 15 miles, round trip, to work
daily. Drives 15,000 miles annually.
62
EXAMPLE G - Liability OPTION 1 - FORD F-150
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $797 $813 $782 $1,001 $1,193 $1,261 $913 $831 $797
American Access Casualty Company $1,173 $0 $1,121 $1,216 $1,538 $1,483 $1,119 $1,286 $0
American Family Mutual Insurance Company $708 $711 $742 $1,084 $1,351 $1,364 $748 $774 $708
American National Property & Casualty Company $441 $402 $420 $649 $857 $904 $629 $520 $426
Coast National Insurance Company $991 $865 $967 $1,596 $1,764 $1,959 $1,401 $1,099 $1,220
Country Mutual Insurance Company $563 $541 $541 $872 $1,219 $1,219 $677 $643 $677
GEICO Casualty $402 $408 $408 $552 $654 $696 $408 $454 $408
Hartford Insurance Company of the Midwest $456 $491 $455 $648 $748 $766 $466 $467 $500
Infinity Auto Insurance Company $764 $722 $768 $1,234 $1,455 $1,607 $1,178 $980 $903
Liberty Mutual General Insurance Company $496 $511 $620 $794 $918 $1,032 $595 $689 $749
Mid Century Insurance Company $396 $361 $361 $705 $908 $905 $615 $512 $660
Nevada Capital Insurance Company $684 $621 $621 $1,074 $1,172 $1,493 $621 $731 $824
Nevada Direct Insurance Company $1,098 $1,014 $1,014 $1,788 $2,250 $1,680 $1,788 $1,464 $1,014
Nevada General Insurance Company $913 $864 $864 $932 $996 $1,119 $905 $834 $834
Primero Insurance Company $1,764 $1,716 $1,716 $2,166 $2,286 $2,286 $1,854 $1,854 $1,710
Progressive Direct Insurance Company $533 $503 $531 $776 $942 $1,046 $772 $669 $635
Progressive Northern Insurance Company $632 $597 $635 $935 $1,140 $1,275 $936 $809 $739
Safeco Insurance Company of Illinois $837 $858 $833 $1,376 $1,412 $1,653 $1,122 $906 $823
State Farm Fire & Casualty Company $674 $618 $615 $1,005 $1,216 $1,157 $644 $734 $835
State Farm Mutual Automobile Insurance Company $509 $463 $462 $760 $919 $870 $484 $556 $632
United Services Automobile Association $523 $506 $506 $647 $694 $717 $506 $550 $506
USAA Casualty Insurance Company $533 $508 $508 $686 $737 $760 $508 $561 $508
Viking Insurance Company of WI $721 $679 $679 $992 $1,194 $1,194 $887 $829 $700
Western United Insurance Company $774 $811 $817 $1,219 $1,485 $1,515 $967 $831 $1,027
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Fifty-five-year-old married female, principal operator of vehicle, retired 65 year-old husband who is an occasional operator with a clean
driving record. Female has one “at fault” accident within past 21 months (over $2,000 damage). Drives 15 miles, round trip, to work
daily. Drives 15,000 miles annually.
63
EXAMPLE G - Liability OPTION 2 - FORD F-150
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $869 $884 $854 $1,145 $1,402 $1,489 $1,046 $901 $869
American Access Casualty Company $1,280 $0 $1,229 $1,338 $1,687 $1,627 $1,225 $1,408 $0
American Family Mutual Insurance Company $887 $887 $927 $1,444 $1,785 $1,803 $936 $972 $887
American National Property & Casualty Company $528 $474 $502 $785 $1,061 $1,107 $755 $625 $505
Coast National Insurance Company $1,301 $1,125 $1,276 $2,324 $2,567 $2,867 $1,972 $1,412 $1,605
Country Mutual Insurance Company $809 $758 $758 $1,281 $1,797 $1,797 $957 $914 $950
GEICO Casualty $613 $607 $607 $881 $1,058 $1,160 $607 $660 $607
Hartford Insurance Company of the Midwest $450 $475 $447 $676 $770 $809 $456 $458 $482
Infinity Auto Insurance Company $1,249 $1,160 $1,250 $2,300 $2,739 $3,076 $2,112 $1,627 $1,471
Liberty Mutual General Insurance Company $621 $640 $776 $994 $1,149 $1,292 $745 $863 $938
Mid Century Insurance Company $567 $487 $487 $1,042 $1,368 $1,366 $881 $723 $936
Nevada Capital Insurance Company $803 $733 $733 $1,407 $1,550 $1,945 $733 $863 $962
Nevada General Insurance Company $1,194 $1,118 $1,118 $1,306 $1,395 $1,539 $1,214 $1,094 $1,094
Progressive Direct Insurance Company $674 $622 $668 $1,085 $1,347 $1,507 $1,057 $856 $785
Progressive Northern Insurance Company $810 $748 $810 $1,341 $1,671 $1,877 $1,305 $1,052 $933
Safeco Insurance Company of Illinois $1,042 $1,047 $1,023 $1,795 $1,912 $2,192 $1,409 $1,104 $1,007
State Farm Fire & Casualty Company $886 $799 $797 $1,391 $1,694 $1,612 $833 $967 $1,065
State Farm Mutual Automobile Insurance Company $660 $592 $591 $1,037 $1,259 $1,193 $618 $723 $799
United Services Automobile Association $661 $630 $630 $845 $905 $934 $630 $687 $630
USAA Casualty Insurance Company $713 $667 $667 $941 $1,010 $1,042 $667 $740 $667
Viking Insurance Company of WI $941 $871 $871 $1,369 $1,655 $1,655 $1,177 $1,092 $908
Western United Insurance Company $778 $793 $793 $1,294 $1,599 $1,632 $993 $820 $1,019
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Fifty-five-year-old married female, principal operator of vehicle, retired 65 year-old husband who is an occasional operator with a clean
driving record. Female has one “at fault” accident within past 21 months (over $2,000 damage). Drives 15 miles, round trip, to work
daily. Drives 15,000 miles annually.
64
EXAMPLE H - Liability OPTION 1 - SUBARU IMPREZA
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $530 $537 $521 $645 $752 $786 $599 $547 $530
American Access Casualty Company $1,428 $0 $1,461 $1,613 $1,864 $1,835 $1,439 $1,562 $0
American Family Mutual Insurance Company $423 $432 $450 $633 $789 $796 $454 $459 $423
American National Property & Casualty Company $253 $236 $246 $370 $504 $497 $360 $296 $244
Coast National Insurance Company $854 $799 $860 $1,336 $1,467 $1,629 $1,225 $983 $1,036
Country Mutual Insurance Company $472 $470 $470 $711 $991 $991 $569 $541 $573
GEICO Casualty $209 $211 $211 $269 $313 $328 $211 $231 $211
Hartford Insurance Company of the Midwest $353 $361 $342 $515 $556 $586 $351 $351 $376
Infinity Auto Insurance Company $634 $613 $642 $963 $1,118 $1,252 $949 $809 $762
Liberty Mutual General Insurance Company $303 $312 $378 $484 $560 $629 $363 $420 $457
Mid Century Insurance Company $453 $412 $412 $810 $1,054 $1,051 $707 $589 $775
Nevada Capital Insurance Company $537 $491 $491 $775 $832 $1,080 $491 $576 $656
Nevada Direct Insurance Company $1,140 $1,068 $1,068 $1,926 $2,502 $1,974 $1,926 $1,470 $1,068
Nevada General Insurance Company $701 $674 $674 $703 $753 $848 $689 $644 $644
Primero Insurance Company $576 $534 $534 $936 $1,038 $1,038 $594 $594 $534
Progressive Direct Insurance Company $375 $358 $376 $526 $628 $698 $526 $466 $451
Progressive Northern Insurance Company $440 $420 $445 $632 $764 $857 $640 $561 $520
Safeco Insurance Company of Illinois $488 $499 $488 $775 $793 $922 $639 $526 $482
State Farm Fire & Casualty Company $449 $414 $412 $662 $804 $769 $430 $487 $554
State Farm Mutual Automobile Insurance Company $382 $350 $349 $563 $683 $652 $365 $415 $472
Travelers Commercial Insurance Company $403 $369 $393 $547 $638 $754 $448 $415 $522
Travelers Home & Marine Insurance Company $421 $384 $409 $573 $670 $791 $469 $434 $546
United Services Automobile Association $405 $400 $400 $484 $517 $534 $400 $427 $400
USAA Casualty Insurance Company $401 $389 $389 $494 $528 $546 $389 $422 $389
Viking Insurance Company of WI $624 $592 $592 $829 $986 $986 $761 $718 $609
Western United Insurance Company $513 $530 $541 $795 $959 $985 $639 $551 $681
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean
driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.
65
EXAMPLE H - Liability OPTION 2 - SUBARU IMPREZA
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $594 $600 $585 $755 $907 $952 $704 $610 $594
American Access Casualty Company $1,537 $0 $1,584 $1,762 $2,025 $1,999 $1,560 $1,688 $0
American Family Mutual Insurance Company $536 $546 $568 $857 $1,057 $1,064 $573 $581 $536
American National Property & Casualty Company $318 $292 $310 $469 $669 $631 $450 $372 $304
Coast National Insurance Company $1,085 $995 $1,092 $1,884 $2,072 $2,314 $1,656 $1,216 $1,324
Country Mutual Insurance Company $585 $566 $566 $902 $1,263 $1,263 $688 $661 $689
Country Preferred Insurance Company $528 $511 $511 $815 $1,142 $1,142 $620 $597 $621
GEICO Casualty $309 $301 $301 $419 $496 $538 $301 $324 $301
Hartford Insurance Company of the Midwest $370 $378 $357 $619 $619 $675 $369 $370 $384
Infinity Auto Insurance Company $1,008 $956 $1,015 $1,761 $2,066 $2,354 $1,656 $1,307 $1,194
Liberty Mutual General Insurance Company $363 $374 $454 $581 $672 $755 $436 $505 $548
Mid Century Insurance Company $698 $596 $596 $1,292 $1,716 $1,715 $1,092 $893 $1,179
Nevada Capital Insurance Company $621 $570 $570 $1,013 $1,094 $1,397 $570 $666 $751
Nevada General Insurance Company $910 $867 $867 $985 $1,056 $1,163 $920 $840 $840
Progressive Direct Insurance Company $451 $422 $450 $699 $857 $962 $688 $567 $529
Progressive Northern Insurance Company $512 $476 $514 $836 $1,036 $1,169 $818 $661 $591
Safeco Insurance Company of Illinois $589 $592 $582 $983 $1,042 $1,189 $781 $624 $573
State Farm Fire & Casualty Company $610 $552 $550 $953 $1,169 $1,121 $573 $661 $723
State Farm Mutual Automobile Insurance Company $512 $461 $460 $799 $977 $934 $480 $556 $610
Travelers Commercial Insurance Company $382 $343 $368 $545 $640 $765 $426 $389 $504
Travelers Home & Marine Insurance Company $400 $360 $384 $571 $672 $804 $446 $408 $528
United Services Automobile Association $494 $481 $481 $610 $650 $672 $481 $515 $481
USAA Casualty Insurance Company $517 $496 $496 $661 $702 $725 $496 $536 $496
Viking Insurance Company of WI $811 $756 $756 $1,143 $1,364 $1,364 $1,004 $941 $785
Western United Insurance Company $490 $499 $501 $804 $986 $1,011 $624 $517 $646
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean
driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.
66
EXAMPLE H - Liability OPTION 1 - FORD F-150
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $641 $657 $634 $773 $904 $948 $716 $666 $641
American Access Casualty Company $1,276 $0 $1,291 $1,438 $1,743 $1,663 $1,271 $1,375 $0
American Family Mutual Insurance Company $399 $406 $423 $606 $755 $761 $426 $433 $399
American National Property & Casualty Company $184 $169 $177 $271 $364 $372 $261 $216 $178
Coast National Insurance Company $681 $602 $667 $1,090 $1,203 $1,335 $963 $759 $835
Country Mutual Insurance Company $456 $441 $441 $705 $987 $987 $548 $519 $547
GEICO Casualty $213 $216 $216 $283 $330 $350 $216 $237 $216
Infinity Auto Insurance Company $636 $597 $638 $1,040 $1,229 $1,356 $987 $814 $750
Liberty Mutual General Insurance Company $336 $346 $419 $537 $621 $698 $403 $466 $507
Mid Century Insurance Company $361 $321 $321 $647 $834 $831 $557 $464 $591
Nevada Capital Insurance Company $401 $365 $365 $636 $693 $882 $365 $427 $481
Nevada Direct Insurance Company $1,050 $972 $972 $1,704 $2,136 $1,596 $1,704 $1,362 $972
Nevada General Insurance Company $821 $781 $781 $829 $887 $999 $810 $751 $751
Primero Insurance Company $876 $834 $834 $1,236 $1,332 $1,332 $954 $954 $834
Progressive Direct Insurance Company $388 $366 $387 $567 $685 $757 $562 $484 $456
Progressive Northern Insurance Company $445 $422 $448 $662 $808 $899 $659 $569 $517
Safeco Insurance Company of Illinois $523 $538 $525 $827 $841 $986 $688 $567 $518
State Farm Fire & Casualty Company $400 $370 $368 $595 $722 $690 $385 $434 $494
State Farm Mutual Automobile Insurance Company $341 $313 $312 $508 $615 $586 $326 $370 $421
United Services Automobile Association $413 $401 $401 $509 $546 $562 $401 $432 $401
USAA Casualty Insurance Company $421 $401 $401 $537 $578 $596 $401 $442 $401
Viking Insurance Company of WI $597 $561 $561 $812 $972 $972 $731 $688 $580
Western United Insurance Company $492 $511 $515 $775 $945 $963 $612 $524 $650
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean
driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.
67
EXAMPLE H - Liability OPTION 2 - FORD F-150
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $728 $743 $722 $905 $1,077 $1,133 $842 $752 $728
American Access Casualty Company $1,388 $0 $1,413 $1,584 $1,918 $1,829 $1,389 $1,498 $0
American Family Mutual Insurance Company $514 $521 $543 $833 $1,027 $1,033 $548 $557 $514
American National Property & Casualty Company $224 $203 $216 $335 $467 $462 $319 $265 $216
Coast National Insurance Company $892 $778 $879 $1,587 $1,752 $1,957 $1,354 $974 $1,099
Country Mutual Insurance Company $582 $548 $548 $918 $1,290 $1,290 $683 $654 $678
Country Preferred Insurance Company $526 $495 $495 $829 $1,166 $1,166 $615 $590 $611
GEICO Casualty $319 $313 $313 $446 $528 $578 $313 $338 $313
Infinity Auto Insurance Company $1,068 $989 $1,067 $1,986 $2,365 $2,659 $1,816 $1,389 $1,254
Liberty Mutual General Insurance Company $410 $422 $512 $655 $758 $852 $491 $569 $618
Mid Century Insurance Company $536 $450 $450 $990 $1,301 $1,298 $830 $682 $875
Nevada Capital Insurance Company $485 $444 $444 $874 $955 $1,199 $444 $517 $576
Nevada General Insurance Company $1,061 $998 $998 $1,147 $1,227 $1,356 $1,073 $973 $973
Progressive Direct Insurance Company $483 $445 $478 $780 $966 $1,078 $755 $609 $558
Progressive Northern Insurance Company $535 $493 $534 $899 $1,122 $1,257 $868 $693 $610
Safeco Insurance Company of Illinois $620 $626 $614 $1,028 $1,084 $1,245 $824 $660 $604
State Farm Fire & Casualty Company $536 $486 $485 $843 $1,030 $985 $505 $582 $639
State Farm Mutual Automobile Insurance Company $452 $408 $407 $710 $866 $825 $425 $492 $541
United Services Automobile Association $516 $494 $494 $659 $706 $727 $494 $537 $494
USAA Casualty Insurance Company $556 $522 $522 $734 $786 $810 $522 $576 $522
Viking Insurance Company of WI $769 $710 $710 $1,104 $1,328 $1,328 $955 $892 $741
Western United Insurance Company $478 $485 $485 $795 $985 $1,004 $608 $504 $625
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean
driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
68
EXAMPLE I - Liability OPTION 1 - SUBARU IMPREZA
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $669 $671 $649 $859 $1,025 $1,082 $783 $691 $669
American Access Casualty Company $1,562 $0 $1,629 $1,797 $2,054 $2,022 $1,603 $1,737 $0
American Family Mutual Insurance Company $469 $473 $492 $704 $875 $880 $496 $511 $469
American National Property & Casualty Company $658 $614 $636 $949 $1,264 $1,287 $938 $767 $632
Coast National Insurance Company $1,047 $943 $1,034 $1,620 $1,778 $1,975 $1,463 $1,187 $1,283
Country Mutual Insurance Company $653 $641 $641 $986 $1,367 $1,367 $784 $752 $795
GEICO Casualty $488 $496 $496 $650 $766 $803 $496 $556 $496
Hartford Insurance Company of the Midwest $554 $524 $513 $793 $850 $923 $519 $524 $574
Infinity Auto Insurance Company $776 $743 $784 $1,163 $1,348 $1,501 $1,149 $994 $946
Liberty Mutual General Insurance Company $489 $503 $611 $782 $904 $1,016 $586 $679 $738
Mid Century Insurance Company $448 $409 $409 $793 $1,026 $1,017 $697 $590 $778
Nevada Capital Insurance Company $679 $618 $618 $973 $1,045 $1,355 $618 $728 $831
Nevada Direct Insurance Company $1,194 $1,116 $1,116 $2,034 $2,634 $2,076 $2,034 $1,554 $1,116
Nevada General Insurance Company $967 $929 $929 $957 $1,027 $1,161 $947 $887 $887
Primero Insurance Company $660 $618 $618 $1,050 $1,158 $1,158 $750 $750 $618
Progressive Direct Insurance Company $453 $428 $455 $637 $764 $843 $638 $571 $554
Progressive Northern Insurance Company $545 $513 $551 $776 $940 $1,044 $786 $698 $648
Safeco Insurance Company of Illinois $667 $680 $659 $1,081 $1,098 $1,281 $885 $719 $657
State Farm Fire & Casualty Company $549 $503 $501 $808 $980 $934 $524 $596 $679
State Farm Mutual Automobile Insurance Company $468 $427 $425 $690 $836 $794 $445 $510 $581
Travelers Commercial Insurance Company $643 $572 $617 $908 $1,069 $1,278 $705 $669 $859
Travelers Home & Marine Insurance Company $674 $600 $648 $954 $1,125 $1,341 $740 $701 $902
United Services Automobile Association $540 $526 $526 $665 $714 $741 $526 $574 $526
USAA Casualty Insurance Company $539 $516 $516 $688 $737 $764 $516 $570 $516
Viking Insurance Company of WI $682 $643 $643 $908 $1,078 $1,078 $829 $786 $664
Western United Insurance Company $538 $544 $550 $841 $1,019 $1,041 $660 $567 $707
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Seventy-eight-year-old married retired female. Husband does not drive. Pleasure use of vehicle. Wife has a clean driving record.
Annual mileage is 4,000. One vehicle; no multi-car discount.
69
EXAMPLE I - Liability OPTION 2 - SUBARU IMPREZA
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $758 $759 $738 $1,029 $1,272 $1,348 $941 $779 $758
American Access Casualty Company $1,680 $0 $1,766 $1,957 $2,237 $2,208 $1,735 $1,875 $0
American Family Mutual Insurance Company $593 $596 $621 $950 $1,168 $1,175 $625 $645 $593
American National Property & Casualty Company $796 $732 $769 $1,162 $1,601 $1,591 $1,136 $932 $759
Coast National Insurance Company $1,302 $1,157 $1,290 $2,218 $2,440 $2,722 $1,934 $1,446 $1,600
Country Mutual Insurance Company $796 $762 $762 $1,233 $1,720 $1,720 $940 $907 $945
Country Preferred Insurance Company $751 $718 $718 $1,163 $1,622 $1,622 $885 $854 $890
GEICO Casualty $705 $695 $695 $982 $1,172 $1,269 $695 $763 $695
Hartford Insurance Company of the Midwest $560 $541 $525 $907 $927 $1,026 $537 $539 $575
Infinity Auto Insurance Company $1,164 $1,094 $1,170 $2,017 $2,375 $2,676 $1,898 $1,512 $1,401
Liberty Mutual General Insurance Company $606 $624 $757 $969 $1,120 $1,259 $727 $842 $914
Mid Century Insurance Company $668 $578 $578 $1,224 $1,616 $1,610 $1,043 $863 $1,146
Nevada Capital Insurance Company $776 $710 $710 $1,245 $1,350 $1,723 $710 $833 $940
Nevada General Insurance Company $1,217 $1,155 $1,155 $1,291 $1,384 $1,536 $1,222 $1,118 $1,118
Progressive Direct Insurance Company $534 $493 $531 $826 $1,012 $1,132 $812 $675 $636
Progressive Northern Insurance Company $613 $563 $612 $985 $1,223 $1,366 $965 $792 $712
Safeco Insurance Company of Illinois $802 $804 $785 $1,360 $1,433 $1,640 $1,074 $849 $777
State Farm Fire & Casualty Company $732 $660 $658 $1,139 $1,393 $1,331 $686 $795 $874
State Farm Mutual Automobile Insurance Company $617 $555 $553 $961 $1,172 $1,116 $577 $673 $741
Travelers Commercial Insurance Company $624 $546 $594 $927 $1,103 $1,335 $683 $641 $854
Travelers Home & Marine Insurance Company $655 $571 $623 $973 $1,159 $1,402 $717 $672 $895
United Services Automobile Association $654 $626 $626 $839 $897 $929 $626 $687 $626
USAA Casualty Insurance Company $692 $653 $653 $917 $982 $1,016 $653 $722 $653
Viking Insurance Company of WI $878 $814 $814 $1,237 $1,474 $1,474 $1,084 $1,018 $847
Western United Insurance Company $522 $514 $516 $856 $1,053 $1,069 $650 $541 $676
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Seventy-eight-year-old married retired female. Husband does not drive. Pleasure use of vehicle. Wife has a clean driving record.
Annual mileage is 4,000. One vehicle; no multi-car discount.
70
EXAMPLE I - Liability OPTION 1 - FORD F-150
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $783 $791 $762 $1,001 $1,194 $1,263 $907 $815 $783
American Access Casualty Company $1,372 $0 $1,439 $1,600 $1,919 $1,804 $1,414 $1,531 $0
American Family Mutual Insurance Company $443 $445 $464 $676 $840 $845 $467 $483 $443
American National Property & Casualty Company $478 $436 $455 $698 $923 $964 $679 $560 $461
Coast National Insurance Company $887 $750 $851 $1,399 $1,550 $1,719 $1,219 $974 $1,097
Country Mutual Insurance Company $632 $602 $602 $981 $1,368 $1,368 $758 $723 $760
GEICO Casualty $487 $496 $496 $672 $795 $843 $496 $558 $496
Infinity Auto Insurance Company $777 $716 $773 $1,262 $1,488 $1,632 $1,191 $997 $926
Liberty Mutual General Insurance Company $551 $567 $688 $881 $1,018 $1,145 $661 $765 $831
Mid Century Insurance Company $359 $317 $317 $638 $818 $810 $550 $466 $594
Nevada Capital Insurance Company $503 $457 $457 $796 $867 $1,103 $457 $537 $607
Nevada Direct Insurance Company $1,110 $1,032 $1,032 $2,122 $2,328 $1,752 $1,824 $1,452 $1,032
Nevada General Insurance Company $1,139 $1,081 $1,081 $1,135 $1,215 $1,376 $1,117 $1,038 $1,038
Primero Insurance Company $1,008 $966 $966 $1,398 $1,512 $1,512 $1,098 $1,098 $966
Progressive Direct Insurance Company $472 $436 $465 $687 $833 $916 $677 $591 $563
Progressive Northern Insurance Company $550 $509 $549 $814 $993 $1,096 $808 $703 $644
Safeco Insurance Company of Illinois $714 $733 $707 $1,151 $1,162 $1,366 $951 $774 $705
State Farm Fire & Casualty Company $489 $450 $447 $729 $882 $840 $469 $532 $606
State Farm Mutual Automobile Insurance Company $418 $382 $381 $624 $754 $716 $399 $456 $519
United Services Automobile Association $549 $521 $521 $704 $757 $783 $521 $582 $521
USAA Casualty Insurance Company $572 $533 $533 $759 $820 $847 $533 $604 $533
Viking Insurance Company of WI $659 $615 $615 $900 $1,075 $1,075 $804 $760 $638
Western United Insurance Company $525 $528 $531 $834 $1,024 $1,035 $642 $550 $685
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Coverages:
Seventy-eight-year-old married retired female. Husband does not drive. Pleasure use of vehicle. Wife has a clean driving record.
Annual mileage is 4,000. One vehicle; no multi-car discount.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
71
EXAMPLE I - Liability OPTION 2 - FORD F-150
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $862 $869 $841 $1,158 $1,424 $1,515 $1,053 $892 $862
American Access Casualty Company $1,489 $0 $1,574 $1,758 $2,115 $1,986 $1,544 $1,666 $0
American Family Mutual Insurance Company $594 $595 $620 $964 $1,187 $1,194 $626 $647 $594
American National Property & Casualty Company $569 $513 $543 $842 $1,144 $1,177 $812 $671 $545
Coast National Insurance Company $1,129 $954 $1,093 $1,964 $2,174 $2,424 $1,664 $1,219 $1,400
Country Mutual Insurance Company $795 $739 $739 $1,261 $1,766 $1,766 $937 $899 $933
Country Preferred Insurance Company $749 $697 $697 $1,188 $1,665 $1,665 $882 $847 $473
GEICO Casualty $720 $715 $715 $1,038 $1,240 $1,356 $715 $788 $715
Infinity Auto Insurance Company $1,255 $1,145 $1,248 $2,339 $2,793 $3,110 $2,127 $1,646 $1,491
Liberty Mutual General Insurance Company $695 $716 $869 $1,112 $1,286 $1,446 $834 $966 $1,049
Mid Century Insurance Company $518 $436 $436 $948 $1,241 $1,232 $798 $664 $855
Nevada Capital Insurance Company $600 $549 $549 $1,068 $1,172 $1,471 $549 $642 $716
Nevada General Insurance Company $1,431 $1,341 $1,341 $1,521 $1,625 $1,810 $1,438 $1,305 $1,305
Progressive Direct Insurance Company $577 $525 $569 $929 $1,156 $1,282 $899 $733 $672
Progressive Northern Insurance Company $644 $582 $639 $1,069 $1,337 $1,487 $1,031 $834 $740
Safeco Insurance Company of Illinois $843 $850 $827 $1,421 $1,489 $1,715 $1,132 $897 $819
State Farm Fire & Casualty Company $646 $583 $582 $1,013 $1,235 $1,177 $608 $704 $775
State Farm Mutual Automobile Insurance Company $547 $492 $491 $859 $1,045 $992 $513 $597 $659
United Services Automobile Association $690 $644 $644 $919 $988 $1,022 $644 $723 $644
USAA Casualty Insurance Company $757 $696 $696 $1,040 $1,121 $1,159 $696 $789 $696
Viking Insurance Company of WI $842 $772 $772 $1,210 $1,454 $1,454 $1,042 $977 $809
Western United Insurance Company $518 $512 $509 $869 $1,079 $1,087 $647 $536 $670
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Seventy-eight-year-old married retired female. Husband does not drive. Pleasure use of vehicle. Wife has a clean driving record.
Annual mileage is 4,000. One vehicle; no multi-car discount.
72
EXAMPLE J - Liability OPTION 1 - SUBARU IMPREZA
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $509 $894 $847 $1,046 $1,214 $1,280 $949 $905 $857
American Access Casualty Company $935 $0 $1,096 $1,249 $1,321 $1,377 $1,075 $1,082 $0
American Family Mutual Insurance Company $744 $751 $782 $1,120 $1,395 $1,405 $788 $810 $744
American National Property & Casualty Company $562 $526 $544 $815 $1,079 $1,109 $803 $657 $541
Coast National Insurance Company $736 $701 $747 $1,162 $1,291 $1,426 $1,067 $848 $881
GEICO Casualty $258 $260 $260 $322 $373 $388 $260 $282 $260
Infinity Auto Insurance Company $421 $413 $429 $629 $731 $817 $627 $538 $507
Liberty Mutual General Insurance Company $444 $457 $554 $710 $820 $922 $532 $616 $670
Mid Century Insurance Company $320 $309 $309 $563 $729 $729 $506 $422 $564
Nevada Capital Insurance Company $375 $342 $342 $532 $572 $738 $342 $400 $456
Nevada General Insurance Company $895 $854 $854 $888 $952 $1,077 $876 $817 $817
Primero Insurance Company $810 $762 $762 $1,260 $1,398 $1,398 $918 $918 $762
Progressive Direct Insurance Company $401 $386 $402 $558 $671 $752 $567 $501 $484
Progressive Northern Insurance Company $477 $462 $484 $680 $823 $931 $693 $608 $562
Safeco Insurance Company of Illinois $401 $414 $404 $619 $627 $732 $521 $433 $398
State Farm Fire & Casualty Company $620 $569 $567 $914 $1,109 $1,058 $592 $674 $767
Travelers Commercial Insurance Company $358 $331 $351 $484 $567 $670 $402 $366 $460
Travelers Home & Marine Insurance Company $375 $347 $367 $507 $594 $704 $420 $384 $483
United Services Automobile Association $415 $413 $413 $490 $524 $541 $413 $438 $413
USAA Casualty Insurance Company $411 $404 $404 $501 $534 $552 $404 $433 $404
Viking Insurance Company of WI $901 $861 $861 $1,196 $1,428 $1,428 $1,102 $1,036 $883
Western United Insurance Company $453 $481 $489 $704 $846 $873 $573 $495 $610
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily.
Annual mileage is 10,000. Rated as best possible credit-based insurance score.
73
EXAMPLE J - Liability OPTION 2 - SUBARU IMPREZA
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $589 $598 $580 $792 $981 $1,041 $727 $609 $589
American Access Casualty Company $1,043 $0 $1,224 $1,384 $1,483 $1,539 $1,198 $1,209 $0
American Family Mutual Insurance Company $971 $977 $1,018 $1,554 $1,919 $1,932 $1,027 $1,057 $971
American National Property & Casualty Company $675 $623 $653 $991 $1,352 $1,363 $967 $794 $645
Coast National Insurance Company $936 $872 $948 $1,439 $1,819 $2,022 $1,442 $1,051 $1,131
GEICO Casualty $362 $354 $354 $477 $566 $607 $354 $379 $354
Infinity Auto Insurance Company $621 $597 $629 $1,053 $1,234 $1,403 $1,003 $798 $739
Liberty Mutual General Insurance Company $517 $533 $646 $827 $956 $1,075 $620 $719 $781
Mid Century Insurance Company $430 $387 $387 $786 $1,037 $1,040 $678 $553 $738
Nevada Capital Insurance Company $428 $391 $391 $677 $732 $932 $391 $457 $516
Nevada General Insurance Company $1,122 $1,057 $1,057 $1,187 $1,271 $1,415 $1,127 $1,027 $1,027
Progressive Direct Insurance Company $510 $484 $511 $783 $961 $1,088 $779 $643 $604
Progressive Northern Insurance Company $627 $595 $635 $1,000 $1,236 $1,405 $992 $811 $730
Safeco Insurance Company of Illinois $468 $475 $466 $758 $795 $911 $614 $497 $458
State Farm Fire & Casualty Company $835 $754 $752 $1,303 $1,596 $1,527 $783 $908 $994
Travelers Commercial Insurance Company $347 $314 $336 $494 $583 $697 $389 $353 $458
Travelers Home & Marine Insurance Company $363 $329 $351 $518 $611 $733 $408 $369 $478
United Services Automobile Association $493 $482 $482 $599 $641 $661 $482 $514 $482
USAA Casualty Insurance Company $513 $496 $496 $645 $688 $709 $496 $534 $496
Viking Insurance Company of WI $1,160 $1,087 $1,087 $1,633 $1,957 $1,957 $1,440 $1,343 $1,126
Western United Insurance Company $562 $581 $584 $925 $1,129 $1,165 $727 $600 $743
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily.
Annual mileage is 10,000. Rated as best possible credit-based insurance score.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
74
EXAMPLE J - Liability OPTION 1 - FORD F-150
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $627 $1,115 $1,053 $1,287 $1,501 $1,585 $1,167 $1,125 $1,059
American Access Casualty Company $840 $0 $991 $1,122 $1,203 $1,249 $969 $978 $0
American Family Mutual Insurance Company $704 $708 $738 $1,077 $1,341 $1,351 $744 $767 $704
American National Property & Casualty Company $412 $379 $395 $607 $797 $838 $588 $486 $399
Coast National Insurance Company $581 $521 $572 $938 $1,043 $1,155 $830 $649 $705
GEICO Casualty $264 $267 $267 $337 $394 $412 $267 $290 $267
Infinity Auto Insurance Company $420 $399 $423 $671 $792 $873 $644 $536 $493
Liberty Mutual General Insurance Company $486 $500 $607 $777 $898 $1,010 $583 $675 $733
Mid Century Insurance Company $255 $239 $239 $451 $579 $580 $398 $330 $427
Nevada Capital Insurance Company $279 $255 $255 $436 $476 $603 $255 $298 $335
Nevada General Insurance Company $1,057 $1,000 $1,000 $1,063 $1,134 $1,283 $1,041 $963 $963
Primero Insurance Company $1,230 $1,182 $1,182 $1,680 $1,824 $1,824 $1,338 $1,338 $1,182
Progressive Direct Insurance Company $412 $396 $409 $596 $720 $803 $593 $512 $483
Progressive Northern Insurance Company $479 $461 $482 $704 $859 $968 $708 $609 $552
Safeco Insurance Company of Illinois $431 $447 $435 $663 $668 $787 $562 $468 $429
State Farm Fire & Casualty Company $552 $508 $505 $822 $996 $949 $529 $600 $682
United Services Automobile Association $422 $413 $413 $512 $552 $568 $413 $443 $413
USAA Casualty Insurance Company $431 $415 $415 $543 $583 $601 $415 $452 $415
Viking Insurance Company of WI $864 $818 $818 $1,172 $1,410 $1,410 $1,060 $993 $842
Western United Insurance Company $432 $462 $465 $679 $824 $843 $544 $470 $577
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily.
Annual mileage is 10,000. Rated as best possible credit-based insurance score.
75
EXAMPLE J- Liability OPTION 2 - FORD F-150
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $704 $1,192 $1,129 $1,442 $1,727 $1,834 $1,308 $1,201 $1,136
American Access Casualty Company $947 $0 $1,117 $1,255 $1,362 $1,407 $1,091 $1,103 $0
American Family Mutual Insurance Company $933 $935 $976 $1,515 $1,871 $1,883 $985 $1,016 $933
American National Property & Casualty Company $489 $443 $467 $727 $980 $1,018 $700 $579 $469
Coast National Insurance Company $763 $675 $756 $1,371 $1,521 $1,696 $1,170 $834 $934
GEICO Casualty $374 $367 $367 $503 $598 $646 $367 $393 $367
Infinity Auto Insurance Company $646 $605 $648 $1,165 $1,384 $1,555 $1,076 $835 $757
Liberty Mutual General Insurance Company $576 $593 $720 $922 $1,066 $1,198 $691 $801 $870
Mid Century Insurance Company $337 $297 $297 $616 $805 $807 $526 $430 $556
Nevada Capital Insurance Company $332 $304 $304 $581 $636 $797 $304 $355 $395
Nevada General Insurance Company $1,329 $1,238 $1,238 $1,414 $1,508 $1,681 $1,338 $1,208 $1,208
Progressive Direct Insurance Company $537 $503 $534 $853 $1,054 $1,188 $835 $678 $621
Progressive Northern Insurance Company $643 $605 $647 $1,056 $1,318 $1,490 $1,035 $831 $737
Safeco Insurance Company of Illinois $494 $504 $493 $797 $831 $959 $651 $528 $484
State Farm Fire & Casualty Company $735 $664 $662 $1,154 $1,409 $1,345 $691 $800 $879
United Services Automobile Association $517 $497 $497 $650 $697 $718 $497 $538 $497
USAA Casualty Insurance Company $554 $524 $524 $720 $775 $797 $524 $575 $524
Viking Insurance Company of WI $1,106 $1,028 $1,028 $1,587 $1,918 $1,918 $1,378 $1,282 $1,070
Western United Insurance Company $542 $564 $561 $901 $1,114 $1,142 $699 $577 $714
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily.
Annual mileage is 10,000. Rated as best possible credit-based insurance score.
76
EXAMPLE K - Liability OPTION 1 - SUBARU IMPREZA
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $599 $610 $590 $737 $867 $910 $681 $621 $599
American Access Casualty Company $935 $0 $1,096 $1,249 $1,321 $1,377 $1,075 $1,082 $0
American Family Mutual Insurance Company $1,147 $1,165 $1,214 $1,716 $2,146 $2,171 $1,225 $1,250 $1,147
American National Property & Casualty Company $597 $559 $578 $866 $1,146 $1,178 $854 $698 $575
Coast National Insurance Company $928 $880 $938 $1,442 $1,588 $1,761 $1,328 $1,071 $1,118
GEICO Casualty $515 $518 $518 $669 $791 $830 $518 $569 $518
Infinity Auto Insurance Company $670 $659 $683 $1,012 $1,174 $1,319 $1,005 $855 $804
Liberty Mutual General Insurance Company $537 $553 $671 $859 $993 $1,117 $644 $746 $811
Mid Century Insurance Company $479 $454 $454 $849 $1,104 $1,105 $755 $627 $833
Nevada Capital Insurance Company $714 $651 $651 $1,022 $1,097 $1,425 $651 $766 $873
Nevada Direct Insurance Company $1,392 $1,314 $1,314 $2,364 $3,030 $2,268 $2,364 $1,842 $1,314
Nevada General Insurance Company $1,192 $1,143 $1,143 $1,182 $1,267 $1,432 $1,167 $1,093 $1,093
Primero Insurance Company $810 $762 $762 $1,260 $1,398 $1,398 $918 $918 $762
Progressive Direct Insurance Company $579 $562 $580 $794 $944 $1,057 $807 $713 $692
Progressive Northern Insurance Company $654 $634 $666 $933 $1,130 $1,278 $953 $835 $773
Safeco Insurance Company of Illinois $717 $741 $721 $1,151 $1,169 $1,381 $957 $782 $711
State Farm Fire & Casualty Company $904 $831 $827 $1,326 $1,606 $1,531 $866 $984 $1,124
Travelers Commercial Insurance Company $561 $516 $546 $775 $911 $1,084 $632 $576 $733
Travelers Home & Marine Insurance Company $590 $540 $573 $814 $956 $1,139 $664 $603 $768
United Services Automobile Association $531 $529 $529 $627 $671 $695 $529 $560 $529
USAA Casualty Insurance Company $536 $526 $526 $654 $700 $724 $526 $563 $526
Viking Insurance Company of WI $1,124 $1,074 $1,074 $1,494 $1,783 $1,783 $1,376 $1,293 $1,101
Western United Insurance Company $771 $823 $834 $1,201 $1,448 $1,494 $978 $841 $1,034
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily.
Annual mileage is 10,000. Rated as average/neutral credit-based insurance score.
77
EXAMPLE K - Liability OPTION 2 - SUBARU IMPREZA
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $706 $717 $697 $934 $1,149 $1,214 $864 $728 $706
American Access Casualty Company $1,043 $0 $1,224 $1,384 $1,483 $1,539 $1,198 $1,209 $0
American Family Mutual Insurance Company $1,451 $1,463 $1,527 $2,306 $2,861 $2,897 $1,542 $1,589 $1,451
American National Property & Casualty Company $718 $662 $694 $1,053 $1,437 $1,448 $1,028 $844 $686
Coast National Insurance Company $1,165 $1,081 $1,177 $2,005 $2,211 $2,463 $1,772 $1,312 $1,414
GEICO Casualty $812 $790 $790 $1,118 $1,346 $1,461 $790 $848 $790
Infinity Auto Insurance Company $1,075 $1,032 $1,088 $1,856 $2,172 $2,489 $1,759 $1,377 $1,268
Liberty Mutual General Insurance Company $640 $659 $799 $1,023 $1,183 $1,330 $767 $889 $966
Mid Century Insurance Company $664 $586 $586 $1,225 $1,624 $1,630 $1,047 $849 $1,128
Nevada Capital Insurance Company $813 $745 $745 $1,303 $1,413 $1,804 $745 $875 $987
Nevada General Insurance Company $1,500 $1,421 $1,421 $1,592 $1,705 $1,894 $1,507 $1,378 $1,378
Progressive Direct Insurance Company $730 $695 $731 $1,102 $1,338 $1,517 $1,098 $914 $858
Progressive Northern Insurance Company $864 $819 $874 $1,376 $1,699 $1,934 $1,366 $1,116 $1,005
Safeco Insurance Company of Illinois $851 $863 $844 $1,433 $1,509 $1,744 $1,145 $910 $829
State Farm Fire & Casualty Company $1,179 $1,068 $1,065 $1,827 $2,228 $2,125 $1,111 $1,287 $1,422
Travelers Commercial Insurance Company $562 $503 $540 $818 $968 $1,167 $630 $568 $751
Travelers Home & Marine Insurance Company $588 $526 $565 $857 $1,017 $1,228 $660 $595 $788
United Services Automobile Association $628 $617 $617 $769 $820 $848 $617 $656 $617
USAA Casualty Insurance Company $674 $651 $651 $854 $911 $942 $651 $700 $651
Viking Insurance Company of WI $1,464 $1,373 $1,373 $2,068 $2,476 $2,476 $1,822 $1,698 $1,422
Western United Insurance Company $970 $1,006 $1,010 $1,610 $1,974 $2,040 $1,265 $1,034 $1,279
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily.
Annual mileage is 10,000. Rated as average/neutral credit-based insurance score.
78
EXAMPLE K - Liability OPTION 1 - FORD F-150
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $856 $882 $846 $974 $1,103 $1,145 $901 $896 $856
American Access Casualty Company $840 $0 $991 $1,122 $1,203 $1,249 $969 $978 $0
American Family Mutual Insurance Company $1,080 $1,092 $1,139 $1,641 $2,053 $2,076 $1,151 $1,180 $1,080
American National Property & Casualty Company $438 $403 $419 $645 $847 $891 $625 $516 $424
Coast National Insurance Company $728 $649 $715 $1,155 $1,279 $1,419 $1,029 $814 $888
GEICO Casualty $532 $537 $537 $708 $843 $891 $537 $590 $537
Infinity Auto Insurance Company $666 $635 $670 $1,072 $1,262 $1,402 $1,028 $851 $781
Liberty Mutual General Insurance Company $597 $614 $746 $954 $1,104 $1,241 $716 $829 $901
Mid Century Insurance Company $383 $354 $354 $682 $879 $881 $597 $493 $636
Nevada Capital Insurance Company $529 $481 $481 $835 $910 $1,159 $481 $565 $637
Nevada Direct Insurance Company $1,302 $1,224 $1,224 $2,184 $2,808 $2,100 $2,184 $1,710 $1,224
Nevada General Insurance Company $1,404 $1,333 $1,333 $1,405 $1,503 $1,699 $1,382 $1,281 $1,281
Primero Insurance Company $1,230 $1,182 $1,182 $1,680 $1,824 $1,824 $1,338 $1,338 $1,182
Progressive Direct Insurance Company $592 $571 $591 $842 $1,012 $1,127 $840 $730 $689
Progressive Northern Insurance Company $656 $631 $663 $966 $1,178 $1,328 $972 $835 $758
Safeco Insurance Company of Illinois $777 $808 $784 $1,241 $1,252 $1,493 $1,041 $853 $773
State Farm Fire & Casualty Company $807 $744 $740 $1,198 $1,449 $1,380 $776 $880 $1,004
United Services Automobile Association $536 $528 $528 $652 $702 $722 $528 $563 $528
USAA Casualty Insurance Company $557 $535 $535 $703 $756 $780 $535 $584 $535
Viking Insurance Company of WI $1,074 $1,017 $1,017 $1,458 $1,753 $1,753 $1,319 $1,235 $1,047
Western United Insurance Company $735 $793 $798 $1,161 $1,415 $1,451 $934 $804 $986
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily.
Annual mileage is 10,000. Rated as average/neutral credit-based insurance score.
79
EXAMPLE K - Liability OPTION 2 - FORD F-150
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $978 $1,004 $968 $1,109 $1,254 $1,296 $1,036 $1,018 $978
American Access Casualty Company $947 $0 $1,117 $1,255 $1,362 $1,407 $1,091 $1,103 $0
American Family Mutual Insurance Company $1,387 $1,392 $1,455 $2,236 $2,775 $2,809 $1,471 $1,521 $1,387
American National Property & Casualty Company $519 $471 $497 $772 $1,041 $1,082 $743 $615 $499
Coast National Insurance Company $941 $830 $931 $1,662 $1,840 $2,052 $1,429 $1,032 $1,155
GEICO Casualty $845 $829 $829 $1,194 $1,439 $1,572 $829 $894 $829
Infinity Auto Insurance Company $1,115 $1,045 $1,119 $2,039 $2,417 $2,736 $1,879 $1,440 $1,301
Liberty Mutual General Insurance Company $722 $743 $902 $1,154 $1,335 $1,501 $866 $1,003 $1,089
Mid Century Insurance Company $519 $449 $449 $956 $1,257 $1,260 $810 $659 $851
Nevada Capital Insurance Company $628 $575 $575 $1,116 $1,226 $1,538 $575 $674 $751
Nevada General Insurance Company $1,766 $1,654 $1,654 $1,880 $2,010 $2,236 $1,780 $1,610 $1,610
Progressive Direct Insurance Company $764 $720 $761 $1,194 $1,465 $1,651 $1,172 $957 $880
Progressive Northern Insurance Company $886 $832 $890 $1,452 $1,808 $2,048 $1,424 $1,143 $1,013
Safeco Insurance Company of Illinois $904 $922 $900 $1,511 $1,582 $1,841 $1,219 $972 $884
State Farm Fire & Casualty Company $1,046 $949 $946 $1,634 $1,987 $1,892 $989 $1,143 $1,265
United Services Automobile Association $653 $630 $630 $823 $883 $911 $630 $679 $630
USAA Casualty Insurance Company $718 $681 $681 $940 $1,009 $1,040 $681 $745 $681
Viking Insurance Company of WI $1,387 $1,290 $1,290 $1,995 $2,409 $2,409 $1,732 $1,609 $1,343
Western United Insurance Company $935 $978 $975 $1,569 $1,944 $1,999 $1,220 $999 $1,235
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily.
Annual mileage is 10,000. Rated as average/neutral credit-based insurance score.
80
EXAMPLE L - Liability OPTION 1 - SUBARU IMPREZA
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $1,021 $1,044 $1,011 $1,238 $1,450 $1,517 $1,153 $1,057 $1,021
American Access Casualty Company $935 $0 $1,096 $1,249 $1,321 $1,377 $1,075 $1,082 $0
American Family Mutual Insurance Company $1,804 $1,859 $1,938 $2,637 $3,323 $3,374 $1,959 $1,960 $1,804
American National Property & Casualty Company $717 $674 $697 $1,042 $1,385 $1,409 $1,025 $838 $692
Coast National Insurance Company $1,574 $1,507 $1,604 $2,558 $2,834 $3,140 $2,332 $1,808 $1,886
GEICO Casualty $566 $570 $570 $740 $877 $920 $570 $628 $570
Infinity Auto Insurance Company $1,001 $986 $1,021 $1,512 $1,752 $1,980 $1,506 $1,276 $1,198
Liberty Mutual General Insurance Company $844 $869 $1,055 $1,350 $1,561 $1,756 $1,013 $1,173 $1,274
Mid Century Insurance Company $780 $746 $746 $1,389 $1,818 $1,826 $1,239 $1,020 $1,369
Nevada Capital Insurance Company $790 $720 $720 $1,134 $1,218 $1,581 $720 $848 $966
Nevada General Insurance Company $1,553 $1,494 $1,494 $1,537 $1,648 $1,861 $1,518 $1,425 $1,425
Primero Insurance Company $810 $762 $762 $1,260 $1,398 $1,398 $918 $918 $762
Progressive Direct Insurance Company $1,171 $1,149 $1,180 $1,543 $1,803 $2,003 $1,566 $1,402 $1,363
Progressive Northern Insurance Company $1,081 $1,057 $1,105 $1,556 $1,890 $2,152 $1,597 $1,387 $1,278
Safeco Insurance Company of Illinois $830 $860 $838 $1,336 $1,357 $1,612 $1,112 $910 $824
State Farm Fire & Casualty Company $1,564 $1,441 $1,434 $2,285 $2,762 $2,628 $1,501 $1,706 $1,956
Travelers Commercial Insurance Company $842 $776 $821 $1,171 $1,378 $1,649 $955 $864 $1,106
Travelers Home & Marine Insurance Company $883 $813 $861 $1,230 $1,447 $1,733 $1,002 $906 $1,160
United Services Automobile Association $1,343 $1,355 $1,355 $1,583 $1,701 $1,763 $1,355 $1,424 $1,355
USAA Casualty Insurance Company $1,453 $1,439 $1,439 $1,766 $1,899 $1,969 $1,439 $1,539 $1,439
Viking Insurance Company of WI $1,571 $1,512 $1,512 $2,083 $2,492 $2,492 $1,928 $1,806 $1,545
Western United Insurance Company $1,412 $1,518 $1,537 $2,219 $2,682 $2,771 $1,807 $1,545 $1,895
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily.
Annual mileage is 10,000. Rated as worst possible credit-based insurance score.
81
EXAMPLE L - Liability OPTION 2 - SUBARU IMPREZA
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $1,177 $1,199 $1,167 $1,537 $1,888 $1,991 $1,432 $1,212 $1,177
American Access Casualty Company $1,043 $0 $1,224 $1,384 $1,483 $1,539 $1,198 $1,209 $0
American Family Mutual Insurance Company $2,197 $2,241 $2,340 $3,406 $4,256 $4,327 $2,366 $2,403 $2,197
American National Property & Casualty Company $868 $803 $843 $1,276 $1,755 $1,742 $1,241 $1,020 $831
Coast National Insurance Company $2,110 $1,963 $2,147 $3,844 $4,254 $4,749 $3,343 $2,354 $2,556
GEICO Casualty $900 $876 $876 $1,244 $1,500 $1,630 $876 $940 $876
Infinity Auto Insurance Company $1,634 $1,575 $1,655 $2,827 $3,303 $3,800 $2,682 $2,087 $1,922
Liberty Mutual General Insurance Company $1,040 $1,071 $1,300 $1,664 $1,924 $2,163 $1,248 $1,446 $1,570
Mid Century Insurance Company $1,113 $982 $982 $2,069 $2,763 $2,780 $1,767 $1,420 $1,903
Nevada Capital Insurance Company $901 $824 $824 $1,446 $1,568 $2,002 $824 $969 $1,093
Nevada General Insurance Company $1,964 $1,867 $1,867 $2,087 $2,234 $2,477 $1,971 $1,808 $1,808
Progressive Direct Insurance Company $1,445 $1,390 $1,454 $2,104 $2,517 $2,835 $2,095 $1,761 $1,662
Progressive Northern Insurance Company $1,458 $1,388 $1,478 $2,352 $2,910 $3,329 $2,337 $1,887 $1,695
Safeco Insurance Company of Illinois $980 $993 $975 $1,651 $1,740 $2,018 $1,322 $1,051 $955
State Farm Fire & Casualty Company $1,978 $1,798 $1,793 $3,045 $3,698 $3,516 $1,875 $2,169 $2,416
Travelers Commercial Insurance Company $876 $783 $842 $1,291 $1,532 $1,858 $988 $886 $1,181
Travelers Home & Marine Insurance Company $917 $822 $883 $1,356 $1,609 $1,952 $1,036 $930 $1,240
United Services Automobile Association $1,560 $1,547 $1,547 $1,921 $2,049 $2,122 $1,547 $1,636 $1,547
USAA Casualty Insurance Company $1,797 $1,748 $1,748 $2,276 $2,432 $2,519 $1,748 $1,878 $1,748
Viking Insurance Company of WI $2,056 $1,939 $1,939 $2,901 $3,478 $3,478 $2,566 $2,384 $2,003
Western United Insurance Company $1,822 $1,894 $1,897 $3,060 $3,769 $3,905 $2,400 $1,938 $2,395
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily.
Annual mileage is 10,000. Rated as worst possible credit-based insurance score.
82
EXAMPLE L - Liability OPTION 1 - FORD F-150
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $1,258 $1,305 $1,257 $1,511 $1,783 $1,873 $1,405 $1,313 $1,258
American Access Casualty Company $840 $0 $991 $1,122 $1,203 $1,249 $969 $978 $0
American Family Mutual Insurance Company $1,646 $1,685 $1,757 $2,453 $3,088 $3,134 $1,779 $1,793 $1,646
American National Property & Casualty Company $525 $485 $505 $774 $1,019 $1,064 $749 $618 $510
Coast National Insurance Company $1,215 $1,101 $1,209 $2,026 $2,248 $2,496 $1,788 $1,358 $1,476
GEICO Casualty $585 $592 $592 $783 $936 $989 $592 $650 $592
Infinity Auto Insurance Company $989 $948 $997 $1,591 $1,875 $2,089 $1,532 $1,262 $1,158
Liberty Mutual General Insurance Company $957 $985 $1,196 $1,530 $1,770 $1,990 $1,148 $1,330 $1,444
Mid Century Insurance Company $609 $572 $572 $1,090 $1,417 $1,425 $960 $785 $1,025
Nevada Capital Insurance Company $585 $532 $532 $926 $1,009 $1,286 $532 $625 $704
Nevada General Insurance Company $1,822 $1,736 $1,736 $1,818 $1,946 $2,198 $1,789 $1,664 $1,664
Primero Insurance Company $1,230 $1,182 $1,182 $1,680 $1,824 $1,824 $1,338 $1,338 $1,182
Progressive Direct Insurance Company $1,195 $1,162 $1,194 $1,622 $1,912 $2,122 $1,626 $1,428 $1,358
Progressive Northern Insurance Company $1,082 $1,050 $1,099 $1,611 $1,972 $2,235 $1,625 $1,382 $1,252
Safeco Insurance Company of Illinois $904 $943 $918 $1,447 $1,460 $1,750 $1,217 $998 $901
State Farm Fire & Casualty Company $1,402 $1,294 $1,287 $2,073 $2,503 $2,382 $1,349 $1,529 $1,751
United Services Automobile Association $1,330 $1,328 $1,328 $1,598 $1,724 $1,779 $1,328 $1,400 $1,328
USAA Casualty Insurance Company $1,484 $1,444 $1,444 $1,861 $2,012 $2,077 $1,444 $1,563 $1,444
Viking Insurance Company of WI $1,492 $1,424 $1,424 $2,019 $2,432 $2,432 $1,837 $1,714 $1,460
Western United Insurance Company $1,357 $1,479 $1,487 $2,155 $2,634 $2,705 $1,741 $1,492 $1,821
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily.
Annual mileage is 10,000. Rated as worst possible credit-based insurance score.
83
EXAMPLE L - Liability OPTION 2 - FORD F-150
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
American National Property & Casualty Company $625 $569 $600 $931 $1,262 $1,296 $894 $740 $602
Nevada Capital Insurance Company $696 $636 $636 $1,238 $1,359 $1,707 $636 $746 $831
Mid Century Insurance Company $846 $737 $737 $1,568 $2,078 $2,090 $1,331 $1,072 $1,399
GEICO Casualty $938 $920 $920 $1,329 $1,604 $1,754 $920 $992 $920
American Access Casualty Company $947 $0 $1,117 $1,255 $1,362 $1,407 $1,091 $1,103 $0
Safeco Insurance Company of Illinois $1,045 $1,066 $1,044 $1,748 $1,830 $2,139 $1,413 $1,128 $1,023
Liberty Mutual General Insurance Company $1,197 $1,233 $1,496 $1,915 $2,214 $2,490 $1,436 $1,664 $1,807
Allstate Fire & Casualty Insurance Company $1,431 $1,478 $1,430 $1,824 $2,226 $2,356 $1,695 $1,486 $1,431
Progressive Northern Insurance Company $1,490 $1,411 $1,503 $2,477 $3,091 $3,522 $2,433 $1,933 $1,706
Progressive Direct Insurance Company $1,499 $1,432 $1,498 $2,260 $2,733 $3,068 $2,223 $1,834 $1,695
United Services Automobile Association $1,572 $1,539 $1,539 $1,972 $2,118 $2,186 $1,539 $1,642 $1,539
Infinity Auto Insurance Company $1,677 $1,582 $1,686 $3,068 $3,634 $4,129 $2,836 $2,164 $1,956
Coast National Insurance Company $1,686 $1,500 $1,684 $3,149 $3,489 $3,899 $2,672 $1,836 $2,064
Western United Insurance Company $1,759 $1,852 $1,844 $2,982 $3,706 $3,825 $2,322 $1,883 $2,323
State Farm Fire & Casualty Company $1,770 $1,610 $1,605 $2,750 $3,332 $3,164 $1,680 $1,941 $2,163
USAA Casualty Insurance Company $1,886 $1,799 $1,799 $2,455 $2,643 $2,729 $1,799 $1,962 $1,799
Viking Insurance Company of WI $1,932 $1,809 $1,809 $2,774 $3,356 $3,356 $2,420 $2,241 $1,877
American Family Mutual Insurance Company $2,081 $2,112 $2,207 $3,274 $4,091 $4,157 $2,235 $2,280 $2,081
Nevada General Insurance Company $2,298 $2,161 $2,161 $2,448 $2,616 $2,907 $2,313 $2,101 $2,101
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily.
Annual mileage is 10,000. Rated as worst possible credit-based insurance score.
84
EXAMPLE M - Liability OPTION 1 - SUBARU IMPREZA
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $274 $281 $270 $341 $404 $426 $313 $286 $274
American Access Casualty Company $749 $0 $871 $991 $1,048 $1,084 $854 $858 $0
American Family Mutual Insurance Company $315 $320 $333 $476 $593 $597 $336 $341 $315
American National Property & Casualty Company $281 $266 $275 $411 $556 $547 $400 $329 $272
Coast National Insurance Company $546 $529 $556 $847 $947 $1,042 $787 $631 $647
Country Mutual Insurance Company $334 $337 $337 $502 $702 $702 $405 $382 $405
GEICO Casualty $115 $116 $116 $143 $166 $173 $116 $126 $116
Infinity Auto Insurance Company $272 $271 $279 $399 $463 $520 $403 $349 $329
Liberty Mutual General Insurance Company $201 $207 $251 $322 $372 $418 $241 $279 $304
Mid Century Insurance Company $249 $239 $239 $439 $571 $570 $393 $328 $440
Nevada Capital Insurance Company $285 $260 $260 $406 $435 $561 $260 $303 $346
Nevada General Insurance Company $477 $462 $462 $471 $505 $571 $466 $440 $440
Primero Insurance Company $486 $474 $474 $774 $876 $876 $504 $504 $474
Progressive Direct Insurance Company $213 $203 $212 $299 $361 $407 $304 $266 $256
Progressive Northern Insurance Company $256 $247 $260 $370 $452 $511 $377 $328 $301
Safeco Insurance Company of Illinois $221 $227 $222 $343 $349 $408 $288 $239 $219
State Farm Fire & Casualty Company $336 $309 $308 $496 $603 $577 $321 $364 $414
State Farm Mutual Automobile Insurance Company $286 $262 $260 $422 $512 $488 $272 $310 $353
Travelers Commercial Insurance Company $222 $205 $218 $302 $354 $420 $253 $227 $285
Travelers Home & Marine Insurance Company $232 $214 $228 $317 $372 $441 $264 $239 $301
United Services Automobile Association $301 $300 $300 $352 $375 $387 $300 $317 $300
USAA Casualty Insurance Company $290 $283 $283 $346 $370 $380 $283 $302 $283
Viking Insurance Company of WI $545 $527 $527 $714 $854 $854 $667 $625 $537
Western United Insurance Company $319 $336 $342 $492 $591 $607 $399 $346 $426
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on
each vehicle. Multi-car discount applies. The husband is rated with a best possible credit-based insurance score.
85
EXAMPLE M - Liability OPTION 2 - SUBARU IMPREZA
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $325 $331 $321 $415 $501 $529 $384 $336 $325
American Access Casualty Company $847 $0 $984 $1,114 $1,188 $1,222 $964 $973 $0
American Family Mutual Insurance Company $410 $416 $433 $663 $815 $818 $437 $443 $410
American National Property & Casualty Company $350 $326 $344 $517 $732 $692 $498 $411 $336
Coast National Insurance Company $677 $638 $689 $1,157 $1,290 $1,429 $1,029 $766 $811
Country Mutual Insurance Company $416 $407 $407 $640 $899 $899 $490 $469 $488
Country Preferred Insurance Company $377 $368 $368 $579 $814 $814 $442 $424 $441
GEICO Casualty $163 $159 $159 $214 $253 $272 $159 $169 $159
Infinity Auto Insurance Company $393 $382 $400 $653 $763 $869 $629 $504 $468
Liberty Mutual General Insurance Company $243 $250 $304 $389 $450 $505 $292 $338 $367
Mid Century Insurance Company $345 $309 $309 $632 $835 $837 $545 $445 $594
Nevada Capital Insurance Company $329 $300 $300 $528 $569 $724 $300 $351 $396
Nevada General Insurance Company $605 $579 $579 $644 $693 $767 $608 $559 $559
Progressive Direct Insurance Company $239 $224 $239 $377 $466 $528 $370 $303 $282
Progressive Northern Insurance Company $282 $265 $285 $465 $581 $659 $458 $367 $326
Safeco Insurance Company of Illinois $259 $263 $258 $423 $445 $511 $342 $275 $253
State Farm Fire & Casualty Company $460 $416 $415 $721 $884 $848 $431 $498 $544
State Farm Mutual Automobile Insurance Company $385 $347 $346 $603 $738 $705 $361 $419 $458
Travelers Commercial Insurance Company $242 $219 $235 $349 $413 $496 $274 $245 $320
Travelers Home & Marine Insurance Company $253 $228 $246 $365 $434 $523 $288 $257 $336
United Services Automobile Association $363 $356 $356 $436 $463 $478 $356 $377 $356
USAA Casualty Insurance Company $366 $353 $353 $450 $480 $495 $353 $377 $353
Viking Insurance Company of WI $689 $652 $652 $954 $1,143 $1,143 $853 $795 $671
Western United Insurance Company $362 $371 $374 $588 $718 $736 $462 $384 $475
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on
each vehicle. Multi-car discount applies. The husband is rated with a best possible credit-based insurance score.
86
EXAMPLE M - Liability OPTION 1 - FORD F-150
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $351 $366 $350 $431 $517 $546 $396 $369 $351
American Access Casualty Company $679 $0 $791 $896 $956 $988 $774 $795 $0
American Family Mutual Insurance Company $298 $302 $315 $459 $570 $574 $317 $323 $298
American National Property & Casualty Company $204 $190 $198 $302 $402 $410 $291 $240 $199
Coast National Insurance Company $422 $385 $419 $671 $751 $828 $601 $474 $510
Country Mutual Insurance Company $322 $316 $316 $496 $697 $697 $389 $366 $385
GEICO Casualty $118 $119 $119 $149 $174 $183 $119 $128 $119
Infinity Auto Insurance Company $265 $257 $268 $416 $489 $544 $405 $338 $312
Liberty Mutual General Insurance Company $226 $233 $283 $362 $418 $470 $271 $314 $341
Mid Century Insurance Company $195 $182 $182 $345 $445 $445 $305 $253 $328
Nevada Capital Insurance Company $214 $196 $196 $336 $365 $461 $196 $228 $256
Nevada General Insurance Company $557 $534 $534 $553 $593 $670 $546 $511 $511
Primero Insurance Company $750 $720 $720 $1,074 $1,176 $1,176 $804 $804 $720
Progressive Direct Insurance Company $220 $209 $219 $326 $395 $444 $324 $277 $258
Progressive Northern Insurance Company $262 $251 $264 $393 $481 $541 $391 $336 $302
Safeco Insurance Company of Illinois $238 $247 $240 $369 $372 $440 $312 $259 $237
State Farm Fire & Casualty Company $299 $276 $274 $445 $540 $517 $287 $324 $368
State Farm Mutual Automobile Insurance Company $254 $234 $232 $380 $460 $439 $243 $277 $314
Travelers Commercial Insurance Company $226 $205 $217 $307 $363 $432 $252 $228 $290
Travelers Home & Marine Insurance Company $234 $214 $229 $321 $381 $452 $263 $237 $305
United Services Automobile Association $308 $303 $303 $370 $396 $408 $303 $322 $303
USAA Casualty Insurance Company $304 $292 $292 $376 $403 $415 $292 $317 $292
Viking Insurance Company of WI $517 $496 $496 $691 $832 $832 $634 $592 $507
Western United Insurance Company $301 $318 $321 $471 $572 $586 $377 $326 $402
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on
each vehicle. Multi-car discount applies. The husband is rated with a best possible credit-based insurance score.
87
EXAMPLE M - Liability OPTION 2 - FORD F-150
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $398 $412 $397 $502 $609 $645 $463 $416 $398
American Access Casualty Company $776 $0 $902 $1,017 $1,094 $1,125 $882 $910 $0
American Family Mutual Insurance Company $395 $400 $416 $647 $796 $799 $420 $427 $395
American National Property & Casualty Company $248 $228 $241 $371 $512 $507 $353 $293 $239
Coast National Insurance Company $543 $485 $540 $954 $1,065 $1,183 $824 $597 $660
Country Mutual Insurance Company $412 $393 $393 $648 $914 $914 $485 $462 $480
Country Preferred Insurance Company $374 $356 $356 $587 $828 $828 $437 $418 $433
GEICO Casualty $167 $164 $164 $225 $267 $289 $164 $175 $164
Infinity Auto Insurance Company $399 $379 $402 $708 $838 $947 $663 $516 $469
Liberty Mutual General Insurance Company $277 $285 $346 $442 $512 $575 $332 $384 $418
Mid Century Insurance Company $266 $234 $234 $486 $638 $638 $415 $340 $441
Nevada Capital Insurance Company $258 $236 $236 $458 $499 $624 $236 $276 $306
Nevada General Insurance Company $703 $666 $666 $749 $803 $891 $708 $646 $646
Progressive Direct Insurance Company $256 $240 $253 $418 $522 $590 $408 $325 $297
Progressive Northern Insurance Company $297 $276 $296 $499 $627 $707 $486 $385 $337
Safeco Insurance Company of Illinois $274 $279 $274 $445 $465 $538 $363 $293 $269
State Farm Fire & Casualty Company $404 $365 $364 $635 $777 $744 $380 $438 $480
State Farm Mutual Automobile Insurance Company $340 $306 $305 $535 $652 $622 $319 $369 $406
Travelers Commercial Insurance Company $246 $219 $238 $358 $426 $512 $277 $247 $327
Travelers Home & Marine Insurance Company $258 $230 $249 $374 $447 $538 $289 $260 $343
United Services Automobile Association $381 $368 $368 $473 $505 $520 $368 $396 $368
USAA Casualty Insurance Company $395 $375 $375 $503 $538 $554 $375 $407 $375
Viking Insurance Company of WI $648 $610 $610 $915 $1,105 $1,105 $806 $749 $630
Western United Insurance Company $346 $357 $357 $571 $705 $721 $442 $369 $457
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on
each vehicle. Multi-car discount applies. The husband is rated with a best possible credit-based insurance score.
88
EXAMPLE N - Liability OPTION 1 - SUBARU IMPREZA
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $367 $376 $362 $461 $551 $582 $422 $383 $367
American Access Casualty Company $749 $0 $871 $991 $1,048 $1,084 $854 $858 $0
American Family Mutual Insurance Company $481 $492 $512 $721 $903 $913 $518 $522 $481
American National Property & Casualty Company $305 $289 $299 $446 $603 $595 $435 $357 $295
Coast National Insurance Company $677 $651 $687 $1,036 $1,148 $1,267 $965 $786 $809
Country Mutual Insurance Company $421 $426 $426 $634 $885 $885 $512 $483 $512
GEICO Casualty $172 $173 $173 $219 $258 $270 $173 $189 $173
Infinity Auto Insurance Company $397 $394 $406 $586 $677 $765 $590 $505 $477
Liberty Mutual General Insurance Company $253 $260 $316 $404 $467 $525 $303 $351 $381
Mid Century Insurance Company $385 $365 $365 $683 $891 $891 $608 $506 $677
Nevada Capital Insurance Company $537 $491 $491 $775 $832 $1,080 $491 $576 $656
Nevada Direct Insurance Company $918 $858 $858 $1,577 $2,259 $1,602 $1,556 $1,200 $858
Nevada General Insurance Company $640 $621 $621 $631 $679 $765 $624 $591 $591
Primero Insurance Company $486 $474 $474 $774 $876 $876 $504 $504 $474
Progressive Direct Insurance Company $306 $295 $307 $426 $510 $574 $434 $383 $369
Progressive Northern Insurance Company $352 $339 $358 $511 $622 $702 $520 $450 $413
Safeco Insurance Company of Illinois $401 $414 $404 $648 $660 $781 $537 $438 $397
State Farm Fire & Casualty Company $487 $450 $447 $716 $868 $829 $468 $530 $605
State Farm Mutual Automobile Insurance Company $416 $382 $380 $612 $741 $705 $398 $453 $517
Travelers Commercial Insurance Company $352 $321 $342 $485 $572 $682 $398 $359 $458
Travelers Home & Marine Insurance Company $368 $337 $359 $509 $601 $716 $418 $377 $481
United Services Automobile Association $381 $380 $380 $446 $477 $492 $380 $401 $380
USAA Casualty Insurance Company $370 $365 $365 $449 $478 $493 $365 $389 $365
Viking Insurance Company of WI $680 $657 $657 $892 $1,065 $1,065 $832 $780 $669
Western United Insurance Company $599 $631 $640 $929 $1,117 $1,150 $753 $648 $800
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on
each vehicle. Multi-car discount applies. The husband is rated with an average/neutral credit-based insurance score.
Coverages:
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
89
EXAMPLE N - Liability OPTION 2 - SUBARU IMPREZA
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $426 $434 $421 $556 $679 $718 $512 $441 $426
American Access Casualty Company $847 $0 $984 $1,114 $1,188 $1,222 $964 $973 $0
American Family Mutual Insurance Company $599 $608 $634 $957 $1,186 $1,198 $641 $651 $528
American National Property & Casualty Company $380 $353 $373 $561 $793 $752 $540 $446 $365
Coast National Insurance Company $830 $780 $841 $1,396 $1,545 $1,718 $1,248 $941 $999
Country Mutual Insurance Company $515 $506 $506 $793 $1,114 $1,114 $613 $583 $609
Country Preferred Insurance Company $465 $456 $456 $716 $1,005 $1,005 $551 $525 $548
GEICO Casualty $253 $246 $246 $341 $407 $440 $246 $264 $246
Infinity Auto Insurance Company $592 $577 $542 $991 $1,154 $1,327 $950 $755 $700
Liberty Mutual General Insurance Company $311 $320 $388 $497 $574 $646 $373 $432 $469
Mid Century Insurance Company $573 $504 $504 $1,060 $1,411 $1,415 $906 $735 $982
Nevada Capital Insurance Company $621 $570 $570 $1,013 $1,094 $1,397 $570 $666 $751
Nevada General Insurance Company $819 $787 $787 $874 $940 $1,035 $824 $761 $761
Progressive Direct Insurance Company $344 $324 $344 $534 $655 $739 $527 $433 $407
Progressive Northern Insurance Company $389 $367 $391 $642 $800 $907 $631 $507 $450
Safeco Insurance Company of Illinois $480 $484 $476 $812 $858 $992 $647 $513 $467
State Farm Fire & Casualty Company $643 $584 $582 $999 $1,221 $1,167 $607 $700 $772
State Farm Mutual Automobile Insurance Company $543 $491 $490 $844 $1,029 $980 $511 $593 $655
Travelers Commercial Insurance Company $352 $315 $340 $513 $610 $735 $399 $356 $470
Travelers Home & Marine Insurance Company $370 $331 $356 $538 $640 $773 $419 $373 $492
United Services Automobile Association $458 $449 $449 $554 $590 $608 $449 $477 $449
USAA Casualty Insurance Company $473 $458 $458 $592 $628 $648 $458 $491 $458
Viking Insurance Company of WI $869 $823 $823 $1,208 $1,445 $1,445 $1,079 $1,004 $847
Western United Insurance Company $575 $589 $592 $943 $1,150 $1,185 $738 $609 $756
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on
each vehicle. Multi-car discount applies. The husband is rated with an average/neutral credit-based insurance score.
90
EXAMPLE N - Liability OPTION 1 - FORD F-150
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $485 $504 $483 $597 $716 $756 $548 $509 $485
American Access Casualty Company $679 $0 $791 $896 $956 $988 $774 $795 $0
American Family Mutual Insurance Company $453 $461 $481 $691 $864 $874 $487 $493 $453
American National Property & Casualty Company $221 $207 $215 $328 $437 $446 $316 $261 $216
Coast National Insurance Company $521 $473 $517 $819 $910 $1,005 $735 $589 $633
Country Mutual Insurance Company $406 $398 $398 $625 $878 $878 $492 $462 $487
GEICO Casualty $176 $178 $178 $230 $273 $287 $178 $194 $178
Infinity Auto Insurance Company $385 $373 $389 $607 $724 $796 $590 $491 $453
Liberty Mutual General Insurance Company $286 $295 $358 $458 $529 $595 $343 $398 $432
Mid Century Insurance Company $298 $277 $277 $530 $686 $686 $466 $386 $501
Nevada Capital Insurance Company $401 $365 $365 $636 $693 $882 $365 $427 $481
Nevada Direct Insurance Company $852 $792 $792 $1,410 $1,794 $1,350 $1,410 $1,122 $792
Nevada General Insurance Company $743 $715 $715 $725 $792 $894 $728 $683 $683
Primero Insurance Company $750 $720 $720 $1,074 $1,176 $1,176 $804 $804 $720
Progressive Direct Insurance Company $320 $304 $317 $462 $557 $621 $458 $398 $373
Progressive Northern Insurance Company $361 $346 $364 $540 $661 $743 $540 $462 $417
Safeco Insurance Company of Illinois $436 $453 $441 $699 $708 $845 $585 $479 $433
State Farm Fire & Casualty Company $435 $403 $401 $647 $783 $747 $420 $473 $540
State Farm Mutual Automobile Insurance Company $372 $342 $341 $554 $670 $637 $357 $405 $462
Travelers Commercial Insurance Company $356 $320 $343 $493 $585 $699 $398 $359 $465
Travelers Home & Marine Insurance Company $372 $337 $360 $517 $615 $734 $418 $376 $488
United Services Automobile Association $386 $382 $382 $466 $498 $512 $382 $404 $382
USAA Casualty Insurance Company $387 $373 $373 $482 $518 $534 $373 $405 $373
Viking Insurance Company of WI $642 $616 $616 $859 $1,034 $1,034 $789 $737 $630
Western United Insurance Company $568 $604 $608 $893 $1,087 $1,111 $715 $615 $757
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on
each vehicle. Multi-car discount applies. The husband is rated with an average/neutral credit-based insurance score.
91
EXAMPLE N - Liability OPTION 2 - FORD F-150
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $568 $586 $566 $714 $865 $915 $661 $591 $568
American Access Casualty Company $776 $0 $902 $1,017 $1,094 $1,125 $882 $910 $0
American Family Mutual Insurance Company $573 $581 $606 $930 $1,151 $1,163 $613 $624 $511
American National Property & Casualty Company $269 $247 $261 $402 $555 $551 $383 $318 $260
Coast National Insurance Company $661 $591 $657 $1,145 $1,271 $1,413 $993 $731 $808
Country Mutual Insurance Company $511 $487 $487 $804 $1,133 $1,133 $606 $574 $598
Country Preferred Insurance Company $461 $440 $440 $726 $1,023 $1,023 $545 $518 $538
GEICO Casualty $261 $256 $256 $360 $431 $469 $256 $274 $256
Infinity Auto Insurance Company $596 $569 $602 $1,061 $1,256 $1,426 $994 $769 $698
Liberty Mutual General Insurance Company $356 $367 $445 $570 $659 $740 $427 $495 $538
Mid Century Insurance Company $435 $376 $376 $802 $1,057 $1,059 $680 $554 $720
Nevada Capital Insurance Company $485 $444 $444 $874 $955 $1,199 $444 $517 $576
Nevada General Insurance Company $945 $873 $873 $1,010 $1,082 $1,198 $952 $873 $873
Progressive Direct Insurance Company $368 $344 $366 $589 $730 $822 $574 $464 $423
Progressive Northern Insurance Company $406 $381 $409 $689 $863 $974 $669 $529 $463
Safeco Insurance Company of Illinois $510 $518 $508 $857 $900 $1,048 $689 $549 $498
State Farm Fire & Casualty Company $570 $518 $516 $891 $1,085 $1,036 $539 $621 $686
State Farm Mutual Automobile Insurance Company $483 $437 $436 $756 $919 $874 $456 $528 $584
Travelers Commercial Insurance Company $360 $318 $344 $527 $629 $758 $403 $361 $483
Travelers Home & Marine Insurance Company $378 $334 $362 $552 $661 $798 $424 $379 $505
United Services Automobile Association $477 $462 $462 $594 $635 $654 $462 $494 $462
USAA Casualty Insurance Company $506 $480 $480 $651 $696 $717 $480 $523 $480
Viking Insurance Company of WI $813 $765 $765 $1,148 $1,386 $1,386 $1,012 $939 $790
Western United Insurance Company $552 $568 $568 $916 $1,132 $1,159 $709 $586 $726
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Coverages:
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on
each vehicle. Multi-car discount applies. The husband is rated with an average/neutral credit-based insurance score.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
92
EXAMPLE O - Liability OPTION 1 - SUBARU IMPREZA
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $679 $697 $674 $826 $974 $1,022 $768 $705 $679
American Access Casualty Company $749 $0 $871 $991 $1,048 $1,084 $854 $858 $0
American Family Mutual Insurance Company $756 $786 $819 $1,106 $1,397 $1,420 $829 $818 $756
American National Property & Casualty Company $500 $471 $488 $729 $981 $977 $712 $584 $483
Coast National Insurance Company $1,128 $1,097 $1,156 $1,798 $2,005 $2,213 $1,658 $1,306 $1,339
Country Mutual Insurance Company $645 $653 $653 $970 $1,355 $1,355 $788 $741 $787
GEICO Casualty $188 $190 $190 $242 $286 $299 $190 $208 $190
Infinity Auto Insurance Company $579 $581 $596 $852 $984 $1,117 $863 $739 $696
Liberty Mutual General Insurance Company $422 $434 $527 $674 $780 $877 $506 $586 $636
Mid Century Insurance Company $620 $588 $588 $1,111 $1,462 $1,468 $987 $811 $1,097
Nevada Capital Insurance Company $594 $542 $542 $860 $923 $1,195 $542 $638 $727
Nevada General Insurance Company $838 $817 $817 $829 $890 $1,001 $818 $777 $777
Primero Insurance Company $486 $474 $474 $774 $876 $876 $504 $504 $474
Progressive Direct Insurance Company $683 $667 $687 $893 $1,040 $1,154 $907 $812 $790
Progressive Northern Insurance Company $603 $586 $616 $878 $1,068 $1,214 $894 $773 $708
Safeco Insurance Company of Illinois $465 $481 $471 $751 $765 $911 $625 $511 $462
State Farm Fire & Casualty Company $840 $777 $772 $1,227 $1,484 $1,416 $809 $914 $1,049
State Farm Mutual Automobile Insurance Company $719 $661 $658 $1,054 $1,273 $1,210 $689 $784 $899
Travelers Commercial Insurance Company $477 $436 $465 $664 $786 $936 $541 $488 $626
Travelers Home & Marine Insurance Company $500 $457 $489 $700 $824 $984 $567 $514 $657
United Services Automobile Association $971 $978 $978 $1,141 $1,223 $1,265 $978 $1,026 $978
USAA Casualty Insurance Company $1,057 $1,045 $1,045 $1,277 $1,370 $1,419 $1,045 $1,115 $1,045
Viking Insurance Company of WI $955 $930 $930 $1,251 $1,498 $1,498 $1,173 $1,095 $944
Western United Insurance Company $1,082 $1,150 $1,166 $1,691 $2,041 $2,104 $1,371 $1,174 $1,447
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on
each vehicle. Multi-car discount applies. The husband is rated with a worst possible credit-based insurance score.
93
EXAMPLE O - Liability OPTION 2 - SUBARU IMPREZA
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $872 $889 $867 $1,076 $1,280 $1,341 $1,011 $897 $872
American Access Casualty Company $847 $0 $984 $1,114 $1,188 $1,222 $964 $973 $0
American Family Mutual Insurance Company $895 $920 $960 $1,393 $1,741 $1,769 $972 $973 $895
American National Property & Casualty Company $618 $573 $604 $911 $1,279 $1,228 $880 $726 $592
Coast National Insurance Company $1,465 $1,384 $1,496 $2,604 $2,893 $3,219 $2,293 $1,648 $1,759
Country Mutual Insurance Company $771 $759 $759 $1,187 $1,665 $1,665 $927 $876 $919
Country Preferred Insurance Company $693 $682 $682 $1,067 $1,496 $1,496 $830 $787 $824
GEICO Casualty $280 $272 $272 $378 $453 $490 $272 $292 $272
Infinity Auto Insurance Company $879 $862 $897 $1,466 $1,701 $1,969 $1,415 $1,119 $1,037
Liberty Mutual General Insurance Company $531 $547 $664 $850 $982 $1,104 $637 $738 $802
Mid Century Insurance Company $937 $818 $818 $1,754 $2,355 $2,370 $1,490 $1,194 $1,610
Nevada Capital Insurance Company $687 $630 $630 $1,125 $1,216 $1,549 $630 $739 $832
Nevada General Insurance Company $1,081 $1,044 $1,044 $1,160 $1,245 $1,371 $1,087 $1,007 $1,007
Progressive Direct Insurance Company $753 $724 $755 $1,090 $1,306 $1,459 $1,082 $912 $858
Progressive Northern Insurance Company $677 $643 $686 $1,124 $1,401 $1,597 $1,106 $881 $781
Safeco Insurance Company of Illinois $551 $557 $549 $933 $987 $1,146 $746 $592 $537
State Farm Fire & Casualty Company $1,069 $974 $971 $1,647 $2,003 $1,908 $1,015 $1,169 $1,301
State Farm Mutual Automobile Insurance Company $911 $826 $824 $1,405 $1,705 $1,620 $862 $998 $1,111
Travelers Commercial Insurance Company $483 $433 $467 $710 $844 $1,021 $549 $491 $650
Travelers Home & Marine Insurance Company $508 $455 $488 $747 $887 $1,072 $576 $515 $682
United Services Automobile Association $1,145 $1,137 $1,137 $1,401 $1,492 $1,544 $1,137 $1,199 $1,137
USAA Casualty Insurance Company $1,332 $1,296 $1,296 $1,672 $1,783 $1,843 $1,296 $1,389 $1,296
Viking Insurance Company of WI $1,225 $1,168 $1,168 $1,701 $2,039 $2,039 $1,526 $1,415 $1,198
Western United Insurance Company $1,145 $1,183 $1,186 $1,904 $2,337 $2,412 $1,490 $1,215 $1,507
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on
each vehicle. Multi-car discount applies. The husband is rated with a worst possible credit-based insurance score.
94
EXAMPLE O - Liability OPTION 1 - FORD F-150
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $859 $899 $863 $1,035 $1,236 $1,302 $961 $901 $859
American Access Casualty Company $679 $0 $791 $896 $956 $988 $774 $795 $0
American Family Mutual Insurance Company $706 $729 $761 $1,049 $1,323 $1,344 $771 $765 $706
American National Property & Casualty Company $363 $338 $351 $538 $714 $733 $518 $428 $354
Coast National Insurance Company $858 $789 $857 $1,403 $1,563 $1,728 $1,250 $965 $1,035
Country Mutual Insurance Company $621 $611 $611 $957 $1,344 $1,344 $757 $708 $749
GEICO Casualty $193 $195 $195 $254 $302 $318 $195 $213 $195
Infinity Auto Insurance Company $555 $544 $564 $870 $1,021 $1,143 $853 $709 $654
Liberty Mutual General Insurance Company $485 $500 $606 $776 $897 $1,009 $582 $674 $732
Mid Century Insurance Company $467 $437 $437 $838 $1,093 $1,099 $737 $603 $793
Nevada Capital Insurance Company $442 $402 $402 $705 $767 $976 $402 $471 $531
Nevada General Insurance Company $971 $937 $937 $963 $1,035 $1,164 $950 $894 $894
Primero Insurance Company $750 $720 $720 $1,074 $1,176 $1,176 $804 $804 $720
Progressive Direct Insurance Company $702 $681 $702 $948 $1,116 $1,235 $950 $836 $796
Progressive Northern Insurance Company $615 $596 $622 $924 $1,134 $1,283 $928 $786 $710
Safeco Insurance Company of Illinois $508 $529 $517 $815 $826 $991 $685 $562 $506
State Farm Fire & Casualty Company $753 $699 $694 $1,114 $1,346 $1,283 $728 $820 $940
State Farm Mutual Automobile Insurance Company $645 $595 $592 $958 $1,156 $1,099 $621 $704 $806
Travelers Commercial Insurance Company $482 $435 $465 $675 $802 $960 $541 $487 $637
Travelers Home & Marine Insurance Company $506 $458 $490 $709 $843 $1,009 $568 $512 $668
United Services Automobile Association $965 $965 $965 $1,154 $1,244 $1,283 $965 $1,013 $965
USAA Casualty Insurance Company $1,081 $1,055 $1,055 $1,348 $1,455 $1,500 $1,055 $1,135 $1,055
Viking Insurance Company of WI $897 $868 $868 $1,197 $1,444 $1,444 $1,106 $1,028 $884
Western United Insurance Company $1,031 $1,109 $1,116 $1,633 $1,993 $2,043 $1,312 $1,125 $1,379
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on
each vehicle. Multi-car discount applies. The husband is rated with a worst possible credit-based insurance score.
95
EXAMPLE O - Liability OPTION 2 - FORD F-150
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $1,040 $1,079 $1,044 $1,271 $1,522 $1,603 $1,190 $1,082 $1,040
American Access Casualty Company $776 $0 $902 $1,017 $1,094 $1,125 $882 $910 $0
American Family Mutual Insurance Company $849 $868 $907 $1,341 $1,675 $1,700 $919 $924 $849
American National Property & Casualty Company $439 $402 $425 $656 $902 $903 $627 $520 $424
Coast National Insurance Company $1,156 $1,040 $1,157 $2,111 $2,344 $2,613 $1,808 $1,267 $1,406
Country Mutual Insurance Company $764 $730 $730 $1,204 $1,696 $1,696 $916 $863 $901
Country Preferred Insurance Company $687 $656 $656 $1,082 $1,523 $1,523 $821 $775 $808
GEICO Casualty $289 $283 $283 $400 $480 $523 $283 $304 $283
Infinity Auto Insurance Company $871 $836 $880 $1,537 $1,811 $2,068 $1,447 $1,117 $1,018
Liberty Mutual General Insurance Company $618 $637 $773 $989 $1,143 $1,285 $742 $859 $933
Mid Century Insurance Company $677 $587 $587 $1,260 $1,677 $1,687 $1,067 $858 $1,130
Nevada Capital Insurance Company $535 $490 $490 $970 $1,060 $1,330 $490 $572 $636
Nevada General Insurance Company $1,243 $1,186 $1,186 $1,329 $1,424 $1,574 $1,250 $1,148 $1,148
Progressive Direct Insurance Company $793 $758 $791 $1,189 $1,437 $1,602 $1,165 $964 $890
Progressive Northern Insurance Company $707 $667 $712 $1,200 $1,505 $1,707 $1,171 $919 $805
Safeco Insurance Company of Illinois $589 $599 $589 $989 $1,039 $1,216 $798 $637 $576
State Farm Fire & Casualty Company $956 $872 $869 $1,486 $1,802 $1,715 $910 $1,046 $1,165
State Farm Mutual Automobile Insurance Company $816 $741 $738 $1,271 $1,540 $1,461 $774 $895 $997
Travelers Commercial Insurance Company $494 $436 $473 $727 $869 $1,051 $553 $497 $666
Travelers Home & Marine Insurance Company $517 $456 $495 $764 $912 $1,105 $581 $521 $698
United Services Automobile Association $1,159 $1,136 $1,136 $1,442 $1,544 $1,592 $1,136 $1,205 $1,136
USAA Casualty Insurance Company $1,398 $1,337 $1,337 $1,803 $1,936 $1,996 $1,337 $1,452 $1,337
Viking Insurance Company of WI $1,137 $1,078 $1,078 $1,604 $1,939 $1,939 $1,421 $1,313 $1,109
Western United Insurance Company $1,103 $1,147 $1,143 $1,853 $2,297 $2,361 $1,436 $1,174 $1,453
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on
each vehicle. Multi-car discount applies. The husband is rated with a worst possible credit-based insurance score.
96
EXAMPLE P - Liability OPTION 1 - SUBARU IMPREZA
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $386 $392 $380 $467 $541 $566 $434 $399 $386
American Access Casualty Company $1,428 $0 $1,461 $1,613 $1,864 $1,835 $1,439 $1,562 $0
American Family Mutual Insurance Company $280 $285 $296 $424 $526 $527 $298 $303 $280
American National Property & Casualty Company $233 $217 $227 $340 $465 $457 $331 $272 $225
Coast National Insurance Company $678 $636 $683 $1,078 $1,190 $1,318 $981 $775 $815
Country Mutual Insurance Company $395 $392 $392 $596 $829 $829 $474 $452 $478
GEICO Casualty $190 $191 $191 $239 $274 $287 $191 $208 $191
Hartford Insurance Company of the Midwest $275 $277 $264 $381 $411 $431 $268 $270 $290
Infinity Auto Insurance Company $397 $382 $402 $596 $692 $770 $589 $505 $478
Liberty Mutual General Insurance Company $254 $262 $318 $406 $470 $528 $305 $353 $384
Mid Century Insurance Company $297 $275 $275 $526 $681 $679 $464 $389 $513
Nevada Capital Insurance Company $285 $260 $260 $406 $435 $561 $260 $303 $346
Nevada General Insurance Company $503 $482 $482 $493 $526 $595 $489 $460 $460
Primero Insurance Company $576 $534 $534 $936 $1,038 $1,038 $594 $594 $534
Progressive Direct Insurance Company $262 $248 $262 $370 $446 $498 $373 $328 $317
Progressive Northern Insurance Company $320 $305 $323 $459 $557 $624 $465 $408 $378
Safeco Insurance Company of Illinois $277 $283 $277 $414 $421 $482 $349 $295 $275
State Farm Fire & Casualty Company $313 $287 $286 $464 $565 $542 $298 $338 $382
State Farm Mutual Automobile Insurance Company $264 $242 $241 $392 $477 $456 $251 $287 $324
Travelers Commercial Insurance Company $257 $239 $253 $344 $399 $469 $286 $266 $328
Travelers Home & Marine Insurance Company $269 $248 $263 $358 $416 $488 $299 $277 $344
United Services Automobile Association $321 $317 $317 $381 $407 $421 $317 $338 $317
USAA Casualty Insurance Company $311 $302 $302 $380 $406 $418 $302 $327 $302
Viking Insurance Company of WI $501 $475 $475 $665 $792 $792 $610 $576 $489
Western United Insurance Company $264 $273 $278 $410 $492 $503 $329 $284 $351
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean
driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.
Rated as best possible credit-based insurance score.
97
EXAMPLE P - Liability OPTION 2 - SUBARU IMPREZA
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $424 $429 $418 $536 $641 $673 $499 $436 $424
American Access Casualty Company $1,537 $0 $1,584 $1,762 $2,025 $1,999 $1,560 $1,688 $0
American Family Mutual Insurance Company $375 $382 $396 $607 $742 $742 $399 $403 $375
American National Property & Casualty Company $293 $269 $286 $432 $618 $581 $415 $343 $280
Coast National Insurance Company $874 $802 $881 $1,543 $1,704 $1,902 $1,346 $974 $1,061
Country Mutual Insurance Company $497 $479 $479 $767 $1,073 $1,073 $580 $560 $582
Country Preferred Insurance Company $450 $434 $434 $695 $973 $973 $524 $507 $526
GEICO Casualty $267 $262 $262 $356 $419 $452 $262 $280 $262
Hartford Insurance Company of the Midwest $279 $283 $269 $436 $444 $478 $277 $278 $291
Infinity Auto Insurance Company $582 $551 $586 $995 $1,166 $1,321 $940 $747 $693
Liberty Mutual General Insurance Company $297 $306 $371 $475 $549 $618 $356 $413 $448
Mid Century Insurance Company $440 $385 $385 $808 $1,068 $1,067 $690 $567 $753
Nevada Capital Insurance Company $329 $300 $300 $528 $569 $724 $300 $351 $396
Nevada General Insurance Company $676 $640 $640 $728 $781 $863 $683 $622 $622
Progressive Direct Insurance Company $313 $293 $314 $498 $613 $689 $489 $402 $373
Progressive Northern Insurance Company $372 $346 $374 $606 $753 $848 $593 $482 $430
Safeco Insurance Company of Illinois $324 $327 $321 $510 $536 $605 $415 $340 $317
State Farm Fire & Casualty Company $445 $401 $399 $702 $866 $834 $415 $480 $518
State Farm Mutual Automobile Insurance Company $370 $332 $331 $582 $715 $686 $344 $399 $433
Travelers Commercial Insurance Company $263 $239 $254 $370 $432 $513 $293 $268 $343
Travelers Home & Marine Insurance Company $274 $248 $266 $387 $452 $539 $306 $279 $358
United Services Automobile Association $389 $379 $379 $480 $510 $527 $379 $407 $379
USAA Casualty Insurance Company $398 $381 $381 $500 $533 $549 $381 $412 $381
Viking Insurance Company of WI $644 $600 $600 $905 $1,081 $1,081 $796 $746 $623
Western United Insurance Company $311 $315 $316 $507 $618 $633 $393 $328 $409
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean
driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.
Rated as best possible credit-based insurance score.
98
EXAMPLE P - Liability OPTION 1 - FORD F-150
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $458 $458 $458 $458 $458 $458 $458 $458 $458
American Access Casualty Company $1,276 $0 $1,291 $1,438 $1,743 $1,663 $1,271 $1,375 $0
American Family Mutual Insurance Company $265 $269 $280 $408 $505 $507 $282 $287 $265
American National Property & Casualty Company $169 $155 $162 $250 $335 $342 $240 $199 $164
Coast National Insurance Company $542 $479 $533 $884 $982 $1,088 $778 $603 $663
Country Mutual Insurance Company $382 $368 $368 $591 $826 $826 $457 $434 $457
GEICO Casualty $194 $196 $196 $251 $290 $305 $196 $214 $196
Infinity Auto Insurance Company $400 $374 $400 $645 $762 $837 $612 $511 $470
Liberty Mutual General Insurance Company $278 $286 $347 $444 $513 $577 $333 $386 $419
Mid Century Insurance Company $237 $214 $214 $421 $541 $539 $366 $306 $391
Nevada Capital Insurance Company $214 $196 $196 $336 $365 $461 $196 $228 $256
Nevada General Insurance Company $617 $585 $585 $622 $667 $751 $609 $562 $562
Primero Insurance Company $876 $834 $834 $1,236 $1,332 $1,332 $954 $954 $834
Progressive Direct Insurance Company $272 $254 $269 $401 $488 $544 $398 $340 $320
Progressive Northern Insurance Company $326 $307 $327 $482 $589 $654 $479 $415 $377
Safeco Insurance Company of Illinois $294 $301 $294 $438 $443 $512 $372 $314 $291
State Farm Fire & Casualty Company $277 $255 $254 $414 $503 $482 $265 $299 $339
State Farm Mutual Automobile Insurance Company $235 $215 $214 $352 $427 $407 $224 $255 $288
United Services Automobile Association $329 $319 $319 $404 $434 $446 $319 $344 $319
USAA Casualty Insurance Company $330 $314 $314 $419 $450 $462 $314 $345 $314
Viking Insurance Company of WI $481 $452 $452 $654 $783 $783 $588 $554 $467
Western United Insurance Company $253 $261 $263 $397 $482 $491 $312 $270 $333
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean
driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.
Rated as best possible credit-based insurance score.
99
EXAMPLE P - Liability OPTION 2 - FORD F-150
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $490 $490 $490 $490 $490 $490 $490 $490 $490
American Access Casualty Company $1,388 $0 $1,413 $1,584 $1,918 $1,829 $1,389 $1,498 $0
American Family Mutual Insurance Company $361 $367 $382 $593 $725 $725 $384 $389 $361
American National Property & Casualty Company $207 $187 $199 $309 $430 $425 $293 $244 $199
Coast National Insurance Company $722 $633 $715 $1,309 $1,451 $1,620 $1,113 $786 $888
Country Mutual Insurance Company $351 $314 $464 $780 $1,097 $1,097 $576 $554 $574
Country Preferred Insurance Company $448 $420 $420 $706 $994 $994 $520 $501 $518
GEICO Casualty $276 $273 $273 $378 $446 $484 $273 $293 $273
Infinity Auto Insurance Company $614 $568 $612 $1,122 $1,336 $1,496 $1,030 $799 $723
Liberty Mutual General Insurance Company $331 $341 $414 $530 $612 $688 $397 $460 $500
Mid Century Insurance Company $341 $292 $292 $625 $819 $816 $529 $436 $562
Nevada Capital Insurance Company $258 $236 $236 $458 $499 $624 $236 $276 $306
Nevada General Insurance Company $792 $742 $742 $854 $914 $1,014 $803 $723 $723
Progressive Direct Insurance Company $341 $310 $338 $556 $694 $775 $538 $434 $393
Progressive Northern Insurance Company $389 $358 $387 $652 $815 $913 $630 $503 $444
Safeco Insurance Company of Illinois $338 $342 $336 $531 $556 $632 $435 $357 $331
State Farm Fire & Casualty Company $387 $349 $348 $612 $752 $722 $362 $417 $453
State Farm Mutual Automobile Insurance Company $323 $290 $289 $511 $625 $599 $301 $350 $381
United Services Automobile Association $412 $393 $393 $525 $562 $579 $393 $428 $393
USAA Casualty Insurance Company $433 $405 $405 $565 $607 $625 $405 $448 $405
Viking Insurance Company of WI $615 $567 $567 $881 $1,061 $1,061 $762 $712 $592
Western United Insurance Company $303 $308 $307 $501 $619 $630 $383 $318 $397
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean
driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.
Rated as best possible credit-based insurance score.
100
EXAMPLE Q - Liability OPTION 1 - SUBARU IMPREZA
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $530 $537 $521 $645 $752 $786 $599 $547 $530
American Access Casualty Company $1,428 $0 $1,461 $1,613 $1,864 $1,835 $1,439 $1,562 $0
American Family Mutual Insurance Company $423 $432 $450 $633 $789 $796 $454 $459 $423
American National Property & Casualty Company $253 $236 $246 $370 $504 $497 $360 $296 $244
Coast National Insurance Company $854 $799 $860 $1,336 $1,467 $1,629 $1,225 $983 $1,036
Country Mutual Insurance Company $498 $494 $494 $750 $1,044 $1,044 $599 $571 $604
GEICO Casualty $278 $280 $280 $361 $422 $443 $280 $309 $280
Hartford Insurance Company of the Midwest $353 $361 $342 $515 $556 $586 $351 $351 $376
Infinity Auto Insurance Company $634 $613 $642 $963 $1,118 $1,252 $949 $809 $762
Liberty Mutual General Insurance Company $303 $312 $378 $484 $560 $629 $363 $420 $457
Mid Century Insurance Company $453 $412 $412 $810 $1,054 $1,051 $707 $589 $775
Nevada Capital Insurance Company $537 $491 $491 $775 $832 $1,080 $491 $576 $656
Nevada Direct Insurance Company $1,140 $1,068 $1,068 $1,926 $2,502 $1,974 $1,926 $1,470 $1,068
Nevada General Insurance Company $701 $674 $674 $703 $753 $848 $689 $644 $644
Primero Insurance Company $576 $534 $534 $936 $1,038 $1,038 $594 $594 $534
Progressive Direct Insurance Company $375 $358 $376 $526 $628 $698 $526 $466 $451
Progressive Northern Insurance Company $440 $420 $445 $632 $764 $857 $640 $561 $520
Safeco Insurance Company of Illinois $466 $476 $466 $738 $754 $875 $609 $501 $460
State Farm Fire & Casualty Company $449 $414 $412 $662 $804 $769 $430 $487 $554
State Farm Mutual Automobile Insurance Company $382 $350 $349 $563 $683 $652 $365 $415 $472
Travelers Commercial Insurance Company $403 $369 $393 $547 $638 $754 $448 $415 $522
Travelers Home & Marine Insurance Company $421 $384 $409 $573 $670 $791 $469 $434 $546
United Services Automobile Association $405 $400 $400 $484 $517 $534 $400 $427 $400
USAA Casualty Insurance Company $401 $389 $389 $494 $528 $546 $389 $422 $389
Viking Insurance Company of WI $624 $592 $592 $829 $986 $986 $761 $718 $609
Western United Insurance Company $513 $530 $541 $795 $959 $985 $639 $551 $681
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Coverages:
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean
driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.
Rated as average/neutral credit-based insurance score.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
101
EXAMPLE Q - Liability OPTION 2 - SUBARU IMPREZA
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $595 $589 $587 $730 $860 $895 $697 $599 $595
American Access Casualty Company $1,537 $0 $1,584 $1,762 $2,025 $1,999 $1,560 $1,688 $0
American Family Mutual Insurance Company $536 $546 $568 $857 $1,057 $1,064 $573 $581 $536
American National Property & Casualty Company $318 $292 $310 $469 $669 $631 $450 $372 $304
Coast National Insurance Company $1,085 $995 $1,092 $1,884 $2,072 $2,314 $1,656 $1,216 $1,324
Country Mutual Insurance Company $614 $594 $594 $949 $1,328 $1,328 $724 $696 $725
Country Preferred Insurance Company $555 $536 $536 $857 $1,199 $1,199 $651 $627 $653
GEICO Casualty $411 $402 $402 $563 $671 $727 $402 $434 $402
Hartford Insurance Company of the Midwest $370 $378 $357 $619 $619 $675 $369 $370 $384
Infinity Auto Insurance Company $1,008 $956 $1,015 $1,761 $2,066 $2,354 $1,656 $1,297 $1,194
Liberty Mutual General Insurance Company $363 $374 $454 $581 $672 $755 $436 $505 $548
Mid Century Insurance Company $698 $596 $596 $1,292 $1,716 $1,715 $1,092 $893 $1,179
Nevada Capital Insurance Company $621 $570 $570 $1,013 $1,094 $1,397 $570 $666 $751
Nevada General Insurance Company $910 $867 $867 $985 $1,056 $1,163 $920 $840 $840
Progressive Direct Insurance Company $451 $422 $450 $699 $857 $962 $688 $567 $529
Progressive Northern Insurance Company $512 $476 $514 $836 $1,036 $1,169 $818 $661 $591
Safeco Insurance Company of Illinois $561 $563 $554 $933 $988 $1,127 $742 $593 $545
State Farm Fire & Casualty Company $610 $552 $550 $953 $1,169 $1,121 $573 $661 $723
State Farm Mutual Automobile Insurance Company $512 $461 $460 $799 $977 $934 $480 $556 $610
Travelers Commercial Insurance Company $382 $343 $368 $545 $640 $765 $426 $389 $504
Travelers Home & Marine Insurance Company $400 $360 $384 $571 $672 $804 $446 $408 $528
United Services Automobile Association $494 $481 $481 $610 $650 $672 $481 $515 $481
USAA Casualty Insurance Company $517 $496 $496 $661 $702 $725 $496 $536 $496
Viking Insurance Company of WI $811 $756 $756 $1,143 $1,364 $1,364 $1,004 $941 $785
Western United Insurance Company $490 $499 $501 $804 $986 $1,011 $624 $517 $646
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean
driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.
Rated as average/neutral credit-based insurance score.
102
EXAMPLE Q - Liability OPTION 1 - FORD F-150
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $625 $677 $654 $738 $869 $913 $681 $631 $606
American Access Casualty Company $1,276 $0 $1,291 $1,438 $1,743 $1,663 $1,271 $1,375 $0
American Family Mutual Insurance Company $399 $406 $423 $606 $755 $761 $426 $433 $399
American National Property & Casualty Company $184 $169 $177 $271 $364 $372 $261 $216 $178
Coast National Insurance Company $681 $602 $667 $1,090 $1,203 $1,335 $963 $759 $835
Country Mutual Insurance Company $481 $464 $464 $744 $1,040 $1,040 $578 $548 $577
GEICO Casualty $285 $289 $289 $382 $449 $475 $289 $319 $289
Infinity Auto Insurance Company $636 $597 $638 $1,040 $1,229 $1,356 $987 $814 $750
Liberty Mutual General Insurance Company $336 $346 $419 $537 $621 $698 $403 $466 $507
Mid Century Insurance Company $361 $321 $321 $647 $834 $831 $557 $464 $591
Nevada Capital Insurance Company $401 $365 $365 $636 $693 $882 $365 $427 $481
Nevada Direct Insurance Company $1,050 $972 $972 $1,704 $2,136 $1,598 $1,704 $1,362 $972
Nevada General Insurance Company $821 $781 $781 $829 $887 $999 $810 $751 $751
Primero Insurance Company $876 $834 $834 $1,236 $1,332 $1,332 $954 $954 $834
Progressive Direct Insurance Company $388 $366 $387 $567 $685 $757 $562 $484 $456
Progressive Northern Insurance Company $445 $422 $448 $662 $808 $899 $659 $569 $517
Safeco Insurance Company of Illinois $499 $512 $500 $786 $799 $935 $655 $540 $494
State Farm Fire & Casualty Company $400 $370 $368 $595 $722 $690 $385 $434 $494
State Farm Mutual Automobile Insurance Company $341 $313 $312 $508 $615 $586 $326 $370 $421
United Services Automobile Association $413 $401 $401 $509 $546 $562 $401 $432 $401
USAA Casualty Insurance Company $421 $401 $401 $537 $578 $596 $401 $442 $401
Viking Insurance Company of WI $597 $561 $561 $812 $972 $972 $731 $688 $580
Western United Insurance Company $492 $511 $515 $775 $945 $963 $612 $524 $650
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean
driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.
Rated as average/neutral credit-based insurance score.
103
EXAMPLE Q - Liability OPTION 2 - FORD F-150
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $681 $640 $619 $802 $974 $1,031 $739 $650 $626
American Access Casualty Company $1,388 $0 $1,413 $1,584 $1,918 $1,829 $1,389 $1,498 $0
American Family Mutual Insurance Company $514 $521 $543 $833 $1,027 $1,033 $548 $557 $514
American National Property & Casualty Company $224 $203 $216 $335 $467 $462 $319 $265 $216
Coast National Insurance Company $892 $778 $879 $1,587 $1,752 $1,957 $1,354 $974 $1,099
Country Mutual Insurance Company $612 $575 $575 $966 $1,357 $1,357 $719 $688 $714
Country Preferred Insurance Company $553 $519 $519 $872 $1,226 $1,226 $647 $621 $643
GEICO Casualty $426 $420 $420 $600 $715 $782 $420 $455 $420
Infinity Auto Insurance Company $1,068 $989 $1,067 $1,986 $2,365 $2,659 $1,816 $1,389 $1,254
Liberty Mutual General Insurance Company $410 $422 $512 $655 $758 $852 $491 $569 $618
Mid Century Insurance Company $536 $450 $450 $990 $1,301 $1,298 $830 $682 $875
Nevada Capital Insurance Company $485 $444 $444 $874 $955 $1,199 $444 $517 $576
Nevada General Insurance Company $1,061 $998 $998 $1,147 $1,227 $1,356 $1,073 $973 $973
Progressive Direct Insurance Company $483 $445 $478 $780 $966 $1,078 $755 $609 $558
Progressive Northern Insurance Company $535 $493 $534 $899 $1,122 $1,257 $868 $693 $610
Safeco Insurance Company of Illinois $590 $595 $583 $975 $1,027 $1,179 $782 $627 $574
State Farm Fire & Casualty Company $536 $486 $485 $843 $1,030 $985 $505 $582 $639
State Farm Mutual Automobile Insurance Company $452 $408 $407 $710 $866 $825 $425 $492 $541
United Services Automobile Association $516 $494 $494 $659 $706 $727 $494 $537 $494
USAA Casualty Insurance Company $556 $522 $522 $734 $786 $810 $522 $576 $522
Viking Insurance Company of WI $769 $710 $710 $1,104 $1,328 $1,328 $955 $892 $741
Western United Insurance Company $478 $485 $485 $795 $985 $1,004 $608 $504 $625
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Coverages:
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean
driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.
Rated as average/neutral credit-based insurance score.
104
EXAMPLE R - Liability OPTION 1 - SUBARU IMPREZA
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $934 $950 $925 $1,115 $1,288 $1,342 $1,045 $962 $934
American Access Casualty Company $1,428 $0 $1,461 $1,613 $1,864 $1,835 $1,439 $1,562 $0
American Family Mutual Insurance Company $659 $683 $711 $961 $1,209 $1,226 $719 $713 $659
American National Property & Casualty Company $415 $386 $403 $605 $822 $817 $591 $485 $400
Coast National Insurance Company $1,441 $1,360 $1,461 $2,358 $2,599 $2,890 $2,134 $1,647 $1,739
Country Mutual Insurance Company $761 $758 $758 $1,148 $1,596 $1,596 $921 $876 $928
GEICO Casualty $304 $307 $307 $398 $466 $490 $307 $339 $307
Hartford Insurance Company of the Midwest $901 $965 $881 $1,442 $1,528 $1,603 $918 $919 $985
Infinity Auto Insurance Company $908 $889 $926 $1,373 $1,590 $1,790 $1,363 $1,161 $1,093
Liberty Mutual General Insurance Company $461 $475 $576 $738 $853 $959 $553 $641 $696
Mid Century Insurance Company $736 $672 $672 $1,327 $1,744 $1,745 $1,159 $957 $1,272
Nevada Capital Insurance Company $594 $542 $542 $860 $923 $1,195 $542 $638 $727
Nevada General Insurance Company $916 $883 $883 $918 $984 $1,107 $898 $845 $845
Primero Insurance Company $576 $534 $534 $936 $1,038 $1,038 $594 $594 $534
Progressive Direct Insurance Company $824 $797 $828 $1,083 $1,263 $1,390 $1,093 $981 $954
Progressive Northern Insurance Company $752 $722 $764 $1,082 $1,311 $1,475 $1,101 $960 $887
Safeco Insurance Company of Illinois $534 $547 $535 $849 $868 $1,014 $703 $577 $528
State Farm Fire & Casualty Company $766 $709 $705 $1,122 $1,359 $1,298 $738 $833 $954
State Farm Mutual Automobile Insurance Company $655 $602 $599 $961 $1,163 $1,107 $627 $713 $816
Travelers Commercial Insurance Company $606 $553 $589 $835 $975 $1,159 $677 $624 $790
Travelers Home & Marine Insurance Company $634 $578 $617 $874 $1,024 $1,215 $707 $654 $828
United Services Automobile Association $1,033 $1,031 $1,031 $1,236 $1,325 $1,374 $1,031 $1,096 $1,031
USAA Casualty Insurance Company $1,138 $1,115 $1,115 $1,404 $1,506 $1,562 $1,115 $1,204 $1,115
Viking Insurance Company of WI $868 $829 $829 $1,151 $1,370 $1,370 $1,060 $999 $850
Western United Insurance Company $947 $991 $1,004 $1,481 $1,792 $1,842 $1,188 $1,021 $1,261
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean
driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.
Rated as worst possible credit-based insurance score.
105
EXAMPLE R - Liability OPTION 2 - SUBARU IMPREZA
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $1,070 $1,085 $1,061 $1,328 $1,579 $1,649 $1,250 $1,097 $1,070
American Access Casualty Company $1,537 $0 $1,584 $1,762 $2,025 $1,999 $1,560 $1,688 $0
American Family Mutual Insurance Company $790 $811 $845 $1,228 $1,528 $1,548 $854 $857 $790
American National Property & Casualty Company $517 $474 $503 $762 $1,079 $1,031 $734 $606 $493
Coast National Insurance Company $1,956 $1,799 $1,982 $3,592 $3,964 $4,433 $3,106 $2,170 $2,383
Country Mutual Insurance Company $917 $889 $889 $1,417 $1,981 $1,981 $1,093 $1,044 $1,092
Country Preferred Insurance Company $824 $799 $799 $1,274 $1,781 $1,781 $980 $938 $979
GEICO Casualty $454 $444 $444 $624 $745 $809 $444 $479 $444
Hartford Insurance Company of the Midwest $911 $982 $890 $1,802 $1,662 $1,842 $948 $950 $964
Infinity Auto Insurance Company $1,463 $1,402 $1,481 $2,538 $2,968 $3,402 $2,400 $1,876 $1,730
Liberty Mutual General Insurance Company $576 $593 $720 $922 $1,066 $1,198 $691 $801 $870
Mid Century Insurance Company $1,178 $1,003 $1,003 $2,211 $2,964 $2,973 $1,860 $1,501 $2,006
Nevada Capital Insurance Company $687 $630 $630 $1,125 $1,216 $1,549 $630 $739 $832
Nevada General Insurance Company $1,198 $1,145 $1,145 $1,300 $1,394 $1,533 $1,211 $1,111 $1,111
Progressive Direct Insurance Company $962 $916 $964 $1,401 $1,679 $1,874 $1,387 $1,165 $1,100
Progressive Northern Insurance Company $891 $833 $897 $1,454 $1,806 $2,047 $1,431 $1,147 $1,026
Safeco Insurance Company of Illinois $641 $643 $633 $1,071 $1,135 $1,300 $853 $680 $623
State Farm Fire & Casualty Company $993 $904 $901 $1,536 $1,872 $1,788 $940 $1,083 $1,200
State Farm Mutual Automobile Insurance Company $842 $763 $761 $1,303 $1,585 $1,509 $795 $920 $1,021
Travelers Commercial Insurance Company $606 $542 $583 $878 $1,034 $1,244 $677 $618 $808
Travelers Home & Marine Insurance Company $634 $566 $611 $922 $1,086 $1,305 $708 $647 $847
United Services Automobile Association $1,239 $1,219 $1,219 $1,551 $1,652 $1,712 $1,219 $1,298 $1,219
USAA Casualty Insurance Company $1,457 $1,406 $1,406 $1,871 $1,996 $2,067 $1,406 $1,519 $1,406
Viking Insurance Company of WI $1,134 $1,062 $1,062 $1,595 $1,904 $1,904 $1,407 $1,314 $1,100
Western United Insurance Company $991 $1,011 $1,013 $1,644 $2,022 $2,078 $1,277 $1,046 $1,302
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 1: 2012 Subaru Impreza; 2.5-liter H4 SFI DOHC 16V Engine; Manual; All-wheel drive; Four Doors
Coverages:
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean
driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.
Rated as worst possible credit-based insurance score.
106
EXAMPLE R - Liability OPTION 1 - FORD F-150
$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability
$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $1,096 $1,129 $1,092 $1,303 $1,518 $1,590 $1,217 $1,138 $1,096
American Access Casualty Company $1,276 $0 $1,291 $1,438 $1,743 $1,663 $1,271 $1,375 $0
American Family Mutual Insurance Company $615 $634 $661 $911 $1,145 $1,160 $669 $667 $615
American National Property & Casualty Company $302 $276 $289 $446 $597 $613 $429 $355 $292
Coast National Insurance Company $1,132 $1,011 $1,119 $1,899 $2,100 $2,338 $1,663 $1,257 $1,382
Country Mutual Insurance Company $735 $710 $710 $1,138 $1,591 $1,591 $888 $840 $886
GEICO Casualty $312 $316 $316 $421 $496 $526 $316 $350 $316
Infinity Auto Insurance Company $898 $852 $903 $1,453 $1,712 $1,902 $1,393 $1,150 $1,059
Liberty Mutual General Insurance Company $524 $540 $655 $838 $969 $1,090 $629 $728 $791
Mid Century Insurance Company $568 $510 $510 $1,025 $1,334 $1,335 $886 $730 $943
Nevada Capital Insurance Company $442 $402 $402 $705 $767 $976 $402 $471 $531
Nevada General Insurance Company $1,068 $1,020 $1,020 $1,077 $1,153 $1,297 $1,052 $980 $980
Primero Insurance Company $876 $834 $834 $1,236 $1,332 $1,332 $954 $954 $834
Progressive Direct Insurance Company $844 $811 $844 $1,152 $1,358 $1,491 $1,145 $1,009 $962
Progressive Northern Insurance Company $761 $722 $766 $1,130 $1,378 $1,544 $1,129 $966 $881
Safeco Insurance Company of Illinois $574 $592 $578 $909 $924 $1,089 $759 $625 $569
State Farm Fire & Casualty Company $686 $637 $633 $1,016 $1,229 $1,173 $663 $746 $854
State Farm Mutual Automobile Insurance Company $587 $541 $538 $872 $1,053 $1,002 $564 $640 $731
United Services Automobile Association $1,026 $1,010 $1,010 $1,257 $1,355 $1,398 $1,010 $1,083 $1,010
USAA Casualty Insurance Company $1,174 $1,127 $1,127 $1,496 $1,616 $1,670 $1,127 $1,236 $1,127
Viking Insurance Company of WI $825 $781 $781 $1,117 $1,340 $1,340 $1,012 $949 $804
Western United Insurance Company $913 $959 $964 $1,445 $1,770 $1,807 $1,145 $981 $1,210
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean
driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.
Rated as worst possible credit-based insurance score.
107
EXAMPLE R - Liability OPTION 2 - FORD F-150
$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability
$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist
$250 deductible Comprehensive, $500 deductible Collision
Carson
City Elko Fallon Henderson
Las
Vegas
North Las
Vegas Pahrump Reno Stateline
Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449
Allstate Fire & Casualty Insurance Company $1,215 $1,246 $1,211 $1,493 $1,775 $1,865 $1,397 $1,256 $1,215
American Access Casualty Company $1,388 $0 $1,413 $1,584 $1,918 $1,829 $1,389 $1,498 $0
American Family Mutual Insurance Company $749 $766 $799 $1,182 $1,470 $1,487 $808 $814 $749
American National Property & Casualty Company $367 $331 $353 $548 $759 $759 $522 $434 $352
Coast National Insurance Company $1,585 $1,399 $1,580 $2,983 $3,299 $3,693 $2,518 $1,720 $1,950
Country Mutual Insurance Company $913 $859 $859 $1,444 $2,028 $2,028 $1,085 $1,032 $1,075
Country Preferred Insurance Company $821 $772 $772 $1,298 $1,822 $1,822 $973 $927 $964
GEICO Casualty $470 $463 $463 $666 $796 $870 $463 $503 $463
Infinity Auto Insurance Company $1,517 $1,418 $1,521 $2,795 $3,316 $3,750 $2,573 $1,896 $1,721
Liberty Mutual General Insurance Company $666 $686 $833 $1,066 $1,232 $1,385 $799 $926 $1,006
Mid Century Insurance Company $864 $728 $728 $1,612 $2,141 $2,144 $1,351 $1,096 $1,428
Nevada Capital Insurance Company $535 $490 $490 $970 $1,060 $1,330 $490 $572 $636
Nevada General Insurance Company $1,386 $1,310 $1,310 $1,503 $1,609 $1,774 $1,404 $1,276 $1,276
Progressive Direct Insurance Company $1,013 $955 $1,011 $1,538 $1,865 $2,070 $1,499 $1,238 $1,146
Progressive Northern Insurance Company $926 $857 $926 $1,557 $1,947 $2,192 $1,513 $1,195 $1,055
Safeco Insurance Company of Illinois $676 $683 $671 $1,123 $1,184 $1,365 $902 $722 $659
State Farm Fire & Casualty Company $884 $806 $803 $1,378 $1,674 $1,596 $839 $965 $1,071
State Farm Mutual Automobile Insurance Company $752 $682 $680 $1,173 $1,424 $1,353 $711 $822 $913
United Services Automobile Association $1,253 $1,211 $1,211 $1,602 $1,717 $1,773 $1,211 $1,309 $1,211
USAA Casualty Insurance Company $1,540 $1,453 $1,453 $2,034 $2,186 $2,258 $1,453 $1,600 $1,453
Viking Insurance Company of WI $1,065 $990 $990 $1,525 $1,837 $1,837 $1,326 $1,235 $1,030
Western United Insurance Company $969 $991 $985 $1,629 $2,019 $2,066 $1,244 $1,022 $1,269
Allstate Insurance Company is closed to new business.
Allstate Property and Casualty Insurance Company is closed to new business.
American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collsion deductible is $500,
does not offer split deductibles.
Nevada General Insurance Company Comprehensive and Collision Deductilbe is $500 on all quotes.
Primero Insurance Company does not offer 100/300 limits, 200/500 deductible amounts quoted.
Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean
driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.
Rated as worst possible credit-based insurance score.
Vehicle 2: 2011 Ford F-150 XLT; 8 Cylinder; 5 OL VIFI DOHCC 32 V Engine; Automatic Transmission; Four-wheel drive; Four Doors
Coverages:
108
109
List of Insurers Offering Auto Insurance in Nevada
The following is a list of the 146 insurers who wrote business for personal auto insurance
in Nevada in 2012. Please contact the Division of Insurance if you have any questions.
Company Name Company Name
21st Century Advantage Insurance Company Financial Indemnity Company
21st Century Assurance Company Firemans Fund Insurance Company
21st Century Centennial Insurance Company First Liberty Insurance Corporation
21st Century North Amer Insurance Company Foremost Insurance Company Grand Rapids MI
21st Century Premier Insurance Company Foremost Property & Casualty Insurance Company
Access Insurance Company Garrison Property & Casualty Insurance Company
Allstate Fire & Casualty Insurance Company Geico Casualty Company
Allstate Indemnity Company Geico General Insurance Company
Allstate Insurance Company Geico Indemnity Company
Allstate Property & Casualty Insurance Company Government Employees Insurance Company
Amco Insurance Company Great American Assurance Company
American Access Casualty Company Great Northwest Insurance Company
American Bankers Ins Co of FL Hallmark Insurance Company
American Family Mutual Insurance Company Hartford Accident & Indemnity Company
American Modern Home Insurance Company Hartford Casualty Insurance Company
American Modern Select Insurance Company Hartford Fire Insurance Company
American National General Insurance Company Hartford Insurance Company of the Midwest
American National Property & Casualty Company Hartford Underwriters Insurance Company
American Reliable Insurance Company Horace Mann Insurance Company
American Standard Insurance Company of WI Horace Mann Property & Casualty Insurance Co
Amica Mutual Insurance Company IDS Property Casualty Insurance Company
Badger Mutual Insurance Company Imperium Insurance Company
Bankers Standard Insurance Company Infinity Auto Insurance Company
California Casualty Indemnity Exchange Infinity Insurance Company
Chartis Property Casualty Company Infinity Standard Insurance Company
Cincinnati Insurance Company Insuremax Insurance Company
Civil Service Employees Insurance Company Ironshore Indemnity Incorporated
Coast National Insurance Company Key Insurance Company
Colorado Casualty Insurance Company Liberty Insurance Corporation
Companion Property & Casualty Insurance Company Liberty Mutual Fire Insurance Company
Country Casualty Insurance Company LM General Insurance Company
Country Mutual Insurance Company LM Insurance Corporation
Country Preferred Insurance Company Loya Insurance Company
CSE Safeguard Insurance Company Markel Amer Insurance Company
Dairyland Insurance Company Mendakota Insurance Company
Depositors Insurance Company Mendota Insurance Company
Electric Insurance Company Merastar Insurance Company
Encompass Home & Auto Insurance Company Mercury Casualty Company
Encompass Indemnity Company Metropolitan Group Property & Casualty Ins Co
Encompass Insurance Company of America Metropolitan Property & Casualty Insurance Co
Essentia Insurance Company MGA Insurance Company Incorporated
Esurance Insurance Company Mid Century Insurance Company
Esurance Property & Casualty Insurance Company National Direct Insurance Company
Farmers Insurance Exchange National General Assurance Company
Federal Insurance Company National General Insurance Company
Fidelity National Insurance Company National Guaranty Insurance Company
110
Company Name Company Name
National Interstate Insurance Company Victoria Fire & Casualty Company
National Surety Corporation Vigilant Insurance Company
National Union Fire Insurance Company of Pittsburg Viking Insurance Company of WI
Nationwide Affinity Company of America Western National Assurance Company
Nationwide Insurance Company of America Western United Insurance Company
Nationwide Mutual Insurance Company Workmens Auto Insurance Company
Nevada Capital Insurance Company Yosemite Insurance Company
Nevada General Insurance Company Young Amer Insurance Company
Oregon Mutual Insurance Company
Pacific Indemnity Company
Pacific Specialty Insurance Company
Permanent General Assurance Corporation
Pharmacists Mutual Insurance Company
Philadelphia Indemnity Insurance Company
Primero Insurance Company
Privilege Underwriters Reciprocal Exchange
Progressive Casualty Insurance Company
Progressive Direct Insurance Company
Progressive Northern Insurance Company
Progressive Northwestern Insurance Company
Progressive Preferred Insurance Company
Progressive Specialty Insurance Company
Property & Casualty Insurance Company of Hartford
QBE Insurance Corporation
Response Insurance Company
Safeco Insurance Company of America
Safeco Insurance Company of IL
Santa Fe Auto Insurance Company
Sentinel Insurance Company Ltd
Shelter Mutual Insurance Company
State Farm Fire & Casualty Company
State Farm Mutual Auto Insurance Company
Teachers Insurance Company
Titan Indemnity Company
Topa Insurance Company
Travco Insurance Company
Travelers Home & Marine Insurance Company
Triumphe Casualty Company
Trumbull Insurance Company
Twin City Fire Insurance Company
United Automobile Insurance Company
United Services Automobile Association
Unitrin Direct Property & Casualty Company
Universal N Amer Insurance Company
USAA Casualty Insurance Company
USAA General Indemnity Company
111
Vehicle Insurance Shopping List 1. Select the coverage amount you desire and enter it in the column labeled “Coverage Amount.”
2. Ask your insurance agent or insurer to complete the premium quotation column. Seek premium
quotations from more than one insurer to determine the best value.
Coverage Company 1 Company 2 Company 3
Amount
Bodily Injury Liability:
Per Person ___________ ___________ ___________ ___________
Per Accident ___________ ___________ ___________ ___________
Combined Single Limit ___________ ___________ ___________ ___________
Property Damage Liability: ___________ ___________ ___________ ___________
Uninsured Motorist:
Per Person ___________ ___________ ___________ ___________
Per Accident ___________ ___________ ___________ ___________
Combined Single Limit ___________ ___________ ___________ ___________
Uninsured/Underinsured Motorist:
Per Person ___________ ___________ ___________ ___________
Per Accident ___________ ___________ ___________ ___________
Combined Single Limit ___________ ___________ ___________ ___________
Medical Payments: ___________ ___________ ___________ ___________
Collision:
Deductible Amount ___________ ___________ ___________ ___________
Comprehensive:
Deductible Amount ___________ ___________ ___________ ___________
SUBTOTAL A: ___________ ___________ ___________ ___________
Other Charges or Discounts:
Membership Policy Fees ___________ ___________ ___________ ___________
SR22 Filing Fees ___________ ___________ ___________ ___________
Discounts (subtract) ___________ ___________ ___________ ___________
Other ___________ ___________ ___________ ___________
Other ___________ ___________ ___________ ___________
Other ___________ ___________ ___________ ___________
SUBTOTAL B: ___________ ___________ ___________ ___________
TOTAL PREMIUM: ___________ ___________ ___________ ___________ (Add Subtotal A and B)
112
Vehicle Accident Guide
If you have had an accident, this sheet will help to record important information while at the scene of the
accident or as soon as possible.
Where and when accident occurred:
Date_____________________________ Time______________________________________________
Place________________________________________________________________________________
City _________________________________________ State_________________________________
Weather and Street Conditions:
____________________________________________________________________________________
Were others involved in the accident?: [ ] Driver [ ] Passenger [ ] Pedestrian
Name_________________________________________________________________________
Address ____________________________________ City ____________________ State ____
Zip________________ Phone__________________________________
Insured with _____________________________ Phone Number_______________________
Vehicle (Year/Make/Model) ______________________________________________________
Vehicle Plate Number _____________________ State Registered______________________
Were there any injuries in the accident?: [ ] Driver [ ] Passenger [ ] Pedestrian [ ] Animal
Name_________________________________________________________________________
Address ___________________________________ City ____________________ State ____
Phone__________________________________
Damage to My Vehicle:
Exterior_______________________________________________________________________
______________________________________________________________________________
Interior _______________________________________________________________________
Damage to Other Vehicle:
Exterior_______________________________________________________________________
______________________________________________________________________________
Interior______________________________________________________________________
______________________________________________________________________________
113
Property Damage:
_____________________________________________________________________________
_____________________________________________________________________________
Witness:
Name_________________________________________________________________________
Address ___________________________________ City ____________________ State ____
Phone__________________________________
Police Involvement:
Name____________________________________________ Badge Number_______________
Address ___________________________________ City ____________________ State ____
Phone__________________________________
Towing Service:
Name_________________________________________________________________________
Address ___________________________________ City ____________________ State ____
Phone__________________________________
114
Draw accident scene, including street names and addresses:
Notes: