Auto Insurance

Auto Insurance

Looking for car insurance? Plus One has you covered.

With 26 years of experience in the insurance industry, we’re well equipped to help you choose the right coverage for your unique situation.

We’ll work with you to design a package that is both affordable and doesn’t leave you stranded on the side of the road.

To make sure you get the right coverage, here are some things you’ll need to understand.

What is Auto Insurance?

Auto insurance protects your finances in the event of damage or theft of your vehicle, or damage or injury caused in a car accident. It is a requirement whether you own your car, lease one, or are in the process of financing. You must have Nevada auto insurance to register your vehicle in Nevada. If you cancel your insurance for any reason, you need to cancel your registration and turn the plates into the DMV. Failure to cancel your registration could result in DMV fines of $250 -$1,750 per vehicle. Please visit the Nevada DMV’s Insurance page for more details.

Eligibility Factors

To be eligible for coverage, we will take into account what type of vehicle you would like to insure, and how you are going to use it. If you have made any modifications to the vehicle, such as to improve how it performs, then it will have to be assessed to determine what the rate will be, or if it can be insured at all. It is always best to contact your insurance company before making any modifications to your vehicle so that you understand the effect it will have on your insurance rates.

Other eligibility factors can include whether your car is safe to drive, whether you plan on using it for competitions or racing, and whether you are leasing or renting your vehicle to other drivers.

The Cost of Auto Insurance

How much your auto insurance policy costs will depend on several factors, which can be weighted differently, depending on the situation and insurance carrier. The most common factors are:

The Vehicle

The car that you want to insure is a big factor in determining your rates. The age, make, and model, along with the safety features of the vehicle, will give the insurance company a baseline to set your rates.

What You Use it For

Vehicles that are used for business beyond simply getting to and from work may have to be insured under a commercial policy. Commercial vehicle policies have higher liability limits and therefore have higher rates. If you are using your vehicle in a business capacity, let your agent know so he or she can rate the policy correctly.

Your Driving Record

Driving record can make a big impact on insurance rates. Most carriers go back 3 years for moving violations and 5 years for accidents, regardless of fault. So even if you were not at fault for an accident, but filed a claim against your policy, this could impact future discounts when applying for a new insurance policy. Make sure to let your new agent know of any claims you may have had.


Most carriers in Nevada use Credit-based scoring to determine how much premium you will pay. For more questions on how this is used check the Nevada DMV website.

Where You Live

Where you live can play a part as well. If you live in an urban area or an area where there is a higher than normal volume of accidents, then your premiums will be higher.

What Coverage You Want

You have options as to how much coverage you want, and what you want to insure. The more you want covered, the higher the cost of your policy will be.

Types of Auto Insurance

There are various types of auto insurance available to you.

Liability Insurance covers you if you cause damage or injury to someone else.

Comprehensive and collision covers the damage to your vehicle, regardless of fault.

Uninsured/Underinsured Automobile Coverage will cover you and passengers in your vehicle that are injured in an accident in which the other driver is at fault and does not have insurance or does not have enough insurance.

Medical payments will cover medical costs up to the limit purchased for you and passengers in your car regardless of fault.

At Plus One, we want to get you on the road safely and responsibly. To talk about your auto insurance coverage options, or if you have questions about your current policy, give us a call today.


Plus One Insurance
3340 S. HWY 160
Suite 304
Pahrump, NV 89048