If You Drive in Nevada, Your Auto Bill Is About to Jump. Shop This Week.

If your Nevada auto policy renews this summer, expect a bigger number. The state’s Division of Insurance has now approved eleven carriers to raise rates on more than 157,000 policyholders, and most of the July hikes are already in flight.

The biggest one lands on July 28. American National General is going up 20.9 percent for its Nevada book.

Here is who else is raising, and when. Allstate Fire and Casualty took an 8 percent hike on July 7, on 55,814 policies, the largest single-July block. Allstate Indemnity moved the same day, 6.7 percent on about a thousand policies. Coast National went up 6.7 percent on July 10 for 9,032 drivers. Permanent General adds 3.6 percent on July 16. Teachers Insurance goes up 7.8 percent on July 28. American National Property and Casualty raises 4.1 percent on the same day.

August is worse. CSAA is up 8 percent on 71,377 Nevada policies. Central Insurance takes a 26.4 percent hike on August 1. These are all approved filings from the Nevada Division of Insurance, reported by the Las Vegas Review-Journal.

Nevada full coverage is already running about $335 a month, per KTNV, one of the highest rates in the country relative to income. The state average is going up about 6.4 percent this year, versus a national average of less than 1 percent. Translation: if you live in Reno or Vegas, you are paying for a market other states are not.

Here’s what they don’t tell you when the renewal letter shows up. The letter looks like a done deal. It is not. Carriers price the same driver differently, and your carrier is counting on you accepting the new number and moving on. That’s the bet.

The math on shopping is not close. If your current premium is $335 a month and you save even $50 by switching, that’s $600 a year for twenty minutes of quote entry. If your carrier is one of the eleven above and the hike lands next month, the gap gets bigger.

Do this before the renewal notice hits.

Pull three quotes this week. Match the same coverage limits, deductible, and roadside add-on that you have today. Bankrate and Insurify are fine starting points; independent agents can cover the carriers those tools don’t. If you get a cheaper number, take it. Nevada policies can be canceled mid-term without a fee, and any unused premium is refunded pro rata.

Ask about telematics. Nevada carriers score usage-based discounts differently. If you drive under 10,000 miles a year or you keep the phone in a cradle, a monitoring app can shave 10 to 25 percent off your bill.

Check your credit report before you shop. Nevada is one of the states that lets carriers price on credit. A soft error on your file can add 15 percent to a quote you have no reason to accept. Pull your report free at annualcreditreport.com and fix anything wrong before you request quotes.

If you’re on the American National General book and your renewal shows the 20.9 percent hike, do not renew until you’ve compared two other quotes. That’s the size of hike that funds a switch. Worth shopping.

The state Division of Insurance publishes every approved hike, but no one sends you a heads up. Your carrier does not send one either. So the move is yours.

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