Re: Las Vegas car insurance rates.


"Nonnymus" <nobody@xxxxxxx> wrote in message
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Octopus Ride wrote:
"JJ" <ok@xxxxxxx> wrote in message
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<spencerdogg@xxxxxxxxx> wrote in message
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On May 9, 10:37 am, "JJ" <o...@xxxxxxx> wrote:
As I continue to do my research about a possible move to LV, I was
shocked
at the car insurance rates. We own a 98 Accord and a 97 Subaru Outback
and
we pay $468 total per year, for both cars in Wisconsin. We're both
retired
now, so the cars are considered for pleasure only. That is for full
coverage including collision, even though I know I shouldn't be
carrying
that on cars this age. Superstition on my part, I know if I drop it,
I'm
going to have an accident.

Anyway, the "cheapest" of 6 quotes I received for LV was $1,980 per
year for
both cars, without collision! Others ranged as high as $2,300. And Las
Vegas isn't even in the top 5 of highest rates: The 5 States with
highest
average rates: (New Jersey, New York, Massachusetts, Louisiana &
Florida)
according to 2007 data from The National Association of Insurance
Commissioners. Wow!

Joe J.
My 2007 Honda Accord EXL is less than $800 per year in Massachusetts

Here in Wisconsin, my 98 Accord EX is $231.20, with full coverage.

Joe J.

As I'm sure you're aware, Vegas ain't Wisconsin.

Almost every bodily injury claim in Vegas results in someone retaining a
personal injury attorney. Its the norm, not the exception. You'll
note the blizzard of attorney billboards and TV ads once you move there.
Rings of attorneys/chiros/doctors/body shops are regularly busted for
various criminal insurance conspiracies. Theft is also huge in Vegas;
its always ranked among the worst places in the nation for auto theft.
The traffic, overloaded roads, and armies of recent transplants and
tourists who gawk and/or don't know where they're going results in more
collisions than other places. Body shops charge outrageous prices.

Basically a lot of this is a result of the "everyone has an angle"
mentality of the place. How can I turn this negative event into
something positive for me? How can I totally screw the other guy? How
much can I get away with? Its the Vegas way.

As has been mentioned, zip code is super important. The closer in to
the center of the valley you are, generally the higher the rates. The
older more urban codes cost the most because of the high crime rates and
higher frequency of accidents. These neighborhoods are also where the
highest number of drivers without insurance reside, which of course
drives up the rates for everyone else. Yes, there is a mandatory
insurance law, but about a third of the valley drives without it.

We live in a gated community and garage our autos. Perhaps this helps. We
found that our rates were not that much different than in our former
state, clear across the country.

Outside of a guard gated community, the idea of a gated community being
somehow "safer" doesn't hold water, IMHO. Even here, we've had instances
of "visitors" jumping the fence between our subdivision and a rear public
walkway or front park area to do a smash-and-grab at the home. The
interior homes seem to be a tad less vulnerable- when surrounded on all
three sides by other single family residences sharing the limited access.
Otherwise, I routinely see autos waiting outside our gate for someone to
enter, then following them in.

FWIW, we have friends in a far, far more upscale area than us. To access
their house, you must first be admitted at the guard gate by announcement
or pre arrangement. Then, once inside the subdivision, you proceed to
their own gated area and use a pass code to gain admittance. That sound
safe as heck until you reach their house: It backs up to the fairway of a
PUBLIC golf course.

For this, they pay over $400/month for community maintenance and the
guard. <grin>

Unless there's a guard, most gates at gated comunities are totally useless.
Most of them are left open all day, for one thing. And as you said, all
you need to do is follow someone in or jump the fence. Plus there's a
little deal any thief would be aware of; if you punch 911 at many gates,
they open. That's what fire and police use to gain entry..........

OR



.

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