Nevada Auto Insurance

Las Vegas/Paradise, Nevada ranks number seven in the top 10 cities with the highest rates of car theft. That means that Nevada car insurance premiums are going to be slightly higher than a lot of the rest of the country. For every 100,000 residents, 732 people have their car stolen each year. Last year, that resulted in 13,662 auto thefts. And of course, when your insurance policy premiums are paid up, and your policy is so defined, the insurance company is responsible for your loss if your car is stolen. That gives them a lot of motivation to help you protect yourself from car theft.

It's a fact that car thieves like certain types of vehicles and it's also a fact that car thieves seem to frequent certain areas. There are metropolitan areas across the country that act like magnets for car thieves. Six out of the top 10 such areas are in California. And of course, Nevada sits right next door. Sin City has a bad reputation for car thievery. If you live there or are visiting there, you have to be aware of that fact.

Cities with the highest rates of car theft:

Most Americans mistakenly believe that cities with the highest populations would be where they need to worry about car thievery the most. That's not true. In fact, not one of the top 10 cities for prevalent car theft is on the top 10 list for population. Further, most places on the list are not heavily populated whatsoever. In addition, many Americans assume that carjacking accounts for most car theft. This also is not true. The United States Department of Justice reports that of the over one million vehicles stolen in 2007, less than 33,000 resulted from carjacking. So, do not assume safety from car theft simply because you live in an area with a low population density.

Your Nevada car insurance policy premiums can be kept to a minimum by paying attention to just a few guidelines. By doing so, you will not only protect yourself from car theft, you will definitely save money on your auto insurance. Here they are:

• Be aware that the five most stolen vehicles in the state of Nevada are the Honda Accord, Toyota Camry, Honda Civic, Saturn SL and the Nissan Sentra. You might want to choose a different vehicle if you live there.
• Use logic to understand that the flashier your vehicle is, the more attention that it will draw.
• Explore the realm of antitheft devices such as alarm systems, steering wheel locks, engine disablers, wheel locks and more. Almost all insurance companies offer discounts for vehicles that are so equipped.

If you feel that your Nevada car insurance premiums are too high, then you need to consider the fact that you're living in one of the top 10 cities with the highest rates of car theft. It's not always just about the insurance company being out to get you! Take the time the arm yourself with knowledge and a good plan to protect yourself from car theft.