If you’ve ever had the chance to live in Las Vegas, Nevada, the issue of car insurance definitely cropped up as a concern related to the cost of living. Many have wondered why Las Vegas car insurance is expensive, which is why an analysis by local paper The Sun was issued, in an attempt to go beyond the effects of high premiums and look at the causes. The state of Nevada ranks ninth at the moment, in terms of car insurance premium costs. It costs Nevadans over $1,000 each year to insure a single vehicle, according to 2006 statistics, i.e. 23 per cent more than the national average. Even in New York or New Jersey, which are some of the most expensive states to live in, car insurance is more affordable than in Las Vegas. So why is that?
Ask the government why Las Vegas car insurance is expensive
The publication’s analysis pegged law-makers and poor individual decisions as the root causes behind high premium costs in Nevada. The Sun spoke both to industry experts, as well as to state officials for its analysis and found that there are a lot of severe accidents happening in Nevada on a regular basis. This, in turn, drives the cost of premiums upward, and provides at least a partial answer to the question of why Las Vegas car insurance is expensive. But, after all is said and done, serious and frequent car accidents are also effects – what causes lie behind them?
Why Nevadans commit so many serious car accidents
Perhaps unsurprisingly, the large number of severe car accidents in Las Vegas and in all of Nevada can also be chalked up to poor law-making. Here are some of the factors that contribute to this reality:
– Las Vegas is one of the country’s best known ‘party cities’, which boasts a 24-hour lifestyle. In other words, people are up all night partying hard and gambling is allowed at all hours. This increases the incidence of tired driving.
– In Nevada, it’s legal to purchase alcohol at any hour of the day or night. Easier access to alcohol contributes to the large number of drunk driving accidents and DUI car crashes.
– Las Vegas residents live in an environment which surrounds them with illicit drugs. Be they hardcore substances or lighter recreational drugs, the fact remains that they are everywhere, which also increases the city’s degree of risk.
– Nevada laws do not prohibit talking on the phone and texting while driving. As most U.S. citizens are already aware, using a cellphone while driving has been revving up the number of deaths caused by car crashes for the past decade or so in America.
– It’s not a primary offense not to wear a seatbelt in Nevada, although it constitutes as one in numerous other states. Better seatbelt regulations would promote an increased degree of safety on public roads. At the moment, Nevada police officers are not allowed to issue a ticket for a driver not wearing a seatbelt unless they’ve caught him speeding beforehand.