Must Have Auto Insurance for New Drivers

As a new driver, you may lack confidence or experience on the road, especially when driving under adverse weather conditions. This makes you more susceptible to causing accidents. The right insurance coverage will protect you and others against the damage that accidents can cause. At Hinman & Associates Insurance in Reno, NV, we can customize your auto policy to provide you with the essential protection you need to include the following: 


Like most states, Nevada requires that drivers have auto liability coverage. Liability covers the cost of injuries or property damage to other drivers or pedestrians in accidents that are your fault. If you cause an accident, you’re responsible for paying for damages. Nevada sets minimum limits on the liability insurance drivers must carry. As serious accidents can cause extensive damage to others, it’s better to purchase more than minimum liability coverage. Otherwise, you could wind up paying for much of that damage out-of-pocket.

Nevada also requires that you have uninsured motorist coverage to protect yourself against hit and run drivers or drivers with insufficient insurance coverage.


Comprehensive coverage compensates you for the current market value of your vehicle if it’s stolen. It also covers damage to your car if a falling object hits it, suffers vandalism, or is damaged by adverse weather. If you’re into road trips, comprehensive insurance can come in handy to protect your vehicle against these risks while traveling in unknown places.


Collision insurance covers damage to your car caused by crashing into another vehicle or object such as a tree, fence, or telephone pole. If your vehicle slips on an icy road and slams into a tree or rear-ends another vehicle, collision coverage will help pay for your vehicle repair costs.  

To learn more about auto insurance options and costs, contact us at Hinman & Associates Insurance in Reno, NV.

Ways to Save on Auto Insurance

Driving can start to get expensive after a while. When you consider your car payment, maintenance, tags, and insurance, it can make you long for the old horse and buggy days. There are some ways you can save on your auto insurance. Here are a few tips from Hinman & Associates Insurance serving Reno, NV, and surrounding areas.

Drive Safely

This may sound like a no brainer, but many people suffer in the pocketbook because of the way they drive. A bad driving record and consistently lousy driving habits will eventually catch up to you in the form of high auto insurance premiums. Driving safely is not that difficult. Avoid distracted driving of any kind, follow the speed limit, stay calm in traffic, and follow the rules.

Take a Class

If you continually find it difficult to drive safely, you might want to consider taking a driving course. Even if you took driver’s ed in high school, brushing up on your driving skills is a good idea. Taking a driver’s course now as an adult could give you a new perspective on driving and safety.

Consider Your Car

If you are tired of paying high insurance costs, you might want to consider downsizing your car. Older cars have better insurance costs than new vehicles. This will also save you money if you are currently paying a car payment. Even a car that is only a few years old will have dramatically cheaper car insurance than a brand-new car.

Drive Less

Some insurance policies will give drivers an option of cheaper car insurance if they drive their car a minimum number of miles a year.

If you would like to learn more about auto insurance and how you can save money, call our friendly staff today at Hinman & Associates Insurance serving Reno, NV, and surrounding areas.