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In order to operate your automobile legally on any public road in Nevada you must - at a minimum - carry liability coverage, which must include both bodily injury and property damage. This theoretically makes it possible to find affordable automobile insurance in Nevada, but before you opt to take out the least amount of coverage that Nevada law requires, you really need to ask yourself some tough questions.

For example, if your car is totaled in an accident can you afford to repair or replace it yourself? If not, you may want to consider adding collision coverage to your policy.

If you are at fault in an accident and another driver sues you for thousands of dollars in medical claims above and beyond what the minimum insurance coverage will pay, will you be able to pay that judgment out of your own pocket?

If you have few assets which you could lose in lawsuit then you may feel comfortable taking out the minimum insurance coverage and taking your chances. However, if you have asset (more...)

Knowing and understanding the basics of health insurance is extremely important when choosing the right health insurance plan for you and your family. Just what are the basics? You should know the exact cost of the insurance, what portion of the costs for covered services does the policy cover, the specifics of what is covered, and which plan best fits the needs of your family. After considering the basics of health insurance, the next thing you need to familiarize yourself with are the secondary considerations.

The secondary considerations will be the extras and additional options either provided, or offered by the insurance company. These may include long-term care, disability, vision, and dental coverage. In addition, you must understand whether the health insurance company requires you to use a specific pool of labs, hospitals, and physicians, or whether you are free to choose your own. Be sure to also check the health insurance companies ranking among consumer groups, and organizations.< (more...)