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Old 02-12-2010, 07:01 PM
 
2 posts, read 3,501 times
Reputation: 10

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I keep hearing how outrageous car insurance is in Vegas. What kind of car are you driving and what's your cost. Thanks to all in advance.
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Old 02-12-2010, 07:04 PM
 
362 posts, read 776,143 times
Reputation: 211
2005 Caddy and 2008 Tahoe...full coverage ....$218 a month for both.
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Old 02-12-2010, 09:05 PM
 
Location: Here and there, you decide.
9,573 posts, read 15,046,425 times
Reputation: 2473
2 2008 Scion XBs $796 every 6 months.. full coverage
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Old 02-12-2010, 09:10 PM
 
491 posts, read 634,844 times
Reputation: 676
2008 Kia Optima - Full coverage, $290 every six months, a little under $50/mo
2008 Toyota Prius - Full coverage, $380 every six months, a little over $60/mo

I drive the Optima, my girlfriend the Prius - she's younger & puts more miles on it, so that's some of the cost difference. Keep in mind I get multiple discounts with State Farm for having homeowners & two cars all on the same policy. It also helps that I have a clean driving record. We DO keep high deductibles for collision - $1000 (comprehensive we have no deductible).

Apparently, I'm one of the few that gets good rates out here.
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Old 02-12-2010, 09:17 PM
 
Location: Arizona/Nevada
326 posts, read 881,052 times
Reputation: 150
07 GMC Sierra and 07 Tahoe, both full coverage for $184.66/mo.
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Old 02-12-2010, 09:17 PM
 
946 posts, read 1,331,502 times
Reputation: 445
The biggest problem I have seen in Las Vegas is that there is no uninsured motorist, requiring full coverage if you don't want be left in the lurch when one of those vehicles with no plates here hits you and doesn't stop. Two insurance agents have told me this. If they are in error, I would like to know. My insurance went from 273 for 6 months to 479 when I moved here, and I have no tickets, accidents or other malfeasance.

I think the idea of removing plates on selling a car is good in principle, but the bad side effect is that way too many vehicles are now driving around without them, encouraging hit and runs and the reluctance to offer uninsured motorist here. I don't know why my same insurance company offers uninsured motorist in my home state but not here--that's whacked. Now I have to pay 200 extra for collision to cover somebody else's lack of financial responsibility. Any enlightenment would be appreciated.
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Old 02-12-2010, 09:38 PM
 
Location: Here and there, you decide.
9,573 posts, read 15,046,425 times
Reputation: 2473
geico told me in nevada, uninsured is not when someone hits and runs or doesnt have insurance..im still clueless about that
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Old 02-13-2010, 12:12 AM
 
10,481 posts, read 14,865,986 times
Reputation: 6363
$248 for only the lowest state required liability on a 1991 Ford Escort.
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Old 02-13-2010, 12:46 AM
 
Location: Las Vegas, NV
450 posts, read 1,023,272 times
Reputation: 306
2006 Pontiac G6...6 months - $107.22/month. Damn unisured drivers!
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Old 02-13-2010, 01:02 AM
 
Location: Portland, OR / Las Vegas, NV
1,792 posts, read 2,173,781 times
Reputation: 909
Not Vegas, but just for a comparison: 2007 Toyota Tacoma and 2008 Mazda CX9 full coverage including uninsured motorist, $124 month.

Portland, OR.
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