Serving Nevada Residents
and Business Owners with
Affordable and Dependable Insurance

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               241 Sunpac Ave | Henderson, NV 89011

Phone: (702) 565-4000 | Fax: (702) 450-3860

Business | Home | Auto | Health | Life

How Much Money Will I Save If I Increase My Deductibles?

It depends on how much you increase them. The higher your deductible, the lower your premium. If you choose Standard coverage, you can save hundreds of dollars on your auto insurance premium by increasing the Collision and Comprehensive deductibles

Is It True That Where I Live Affects My Premium?

Where you live is one factor that affects the cost of your auto insurance. Generally speaking, drivers who live in a city pay higher auto insurance premiums than those who live in the suburbs. There are several reasons for this:

  • More traffic increases the risk of accidents.
  • There's a higher risk of vehicle theft.
  • Vandalism is more common.
Can I Let My Friend Drive My Car? Will He or She Be Covered?

If you lend your car, you also lend your insurance. If anything happens, your friend will be covered under your auto insurance policy, as long as he or she has a valid driver’s license and meets the other conditions of your policy.

If your friend is involved in an at-fault accident while driving your car, it could affect your premium.

If you lend your car to someone, remember that your auto insurance coverage may not apply if he or she does not have a valid driver’s license.

Does my auto insurance policy still cover my children while they are living away from home at college? What about when they return home for the summer?

Yes, students who are still residents of your household are still considered insureds and may drive vehicles insured on your auto insurance policy both when they are living away from home at college and when they return home from college in the summer. Since they are still considered residents of your household, they are also covered for their own personal liability as long as they have permission to drive someone else’s vehicle.

copyright © 2015 Murph's Insurance Group