Planning a summer getaway? Before you hit the road in a rental car, make sure you understand your insurance coverage. Many personal auto insurance policies may extend coverage to rental vehicles, but protection can vary based on your policy, destination, and rental type.
Here’s what to know before traveling:
🚗 Rental Car Coverage May Include:
• Collision & comprehensive protection
• Liability coverage
• Medical payments coverage
• Theft protection
💳 Credit Card Benefits
Some credit cards offer rental car coverage or even roadside assistance, if you use the card to book the vehicle. However, many only provide secondary coverage and may have exclusions.
🌎 Traveling Internationally?
Your auto insurance may not apply outside the U.S. Countries like Mexico often require separate insurance policies.
⚠️ Common Mistakes to Avoid
• Assuming you’re fully covered
• Declining physical damage coverage without checking your policy
• Renting luxury or specialty vehicles not covered by insurance
• Renting a car through a peer to peer company like Turo, without checking your policy
• Forgetting to document existing vehicle damage
Before your summer road trip, review your policy and understand your deductible, liability limits, and rental car protection options.
At Blue Sky Insurance, we help drivers stay protected wherever summer takes them. Contact us today for a quick policy review and travel coverage check! 🚘☀️
Written by:
Amy Miller
Blue Sky Insurance/Agency Owner

If your teenager is ready to earn their Nevada learner’s permit, you’re not alone. Between DMV appointments, required documents, online classes, and practice tests, the process can feel overwhelming at first. Let’s break it down.

What Age Can Teens Get a Permit in Nevada?
In Nevada, teens can apply for a learner’s permit at 15½ years old.
Best resource is the DMV website which provides documents required, practice tests, the handbook for new drivers and a link to make an appointment.
https://dmv.nv.gov/dlipteens.htm
 
Get Ready for the Permit Test: Parents can help by encouraging practice tests and reviewing the handbook together. They will need to know:

• Road signs
• Traffic laws
• Safe driving practices
• Nevada-specific driving rules

• Right-of-way rules
• School zone laws
• Parking regulations
• DUI and distracted driving laws

Feel ready to get their permit? Proceed to Next Step- documents, documents, documents!
One of the biggest reasons families get delayed at the DMV is missing or outdated paperwork. Here’s what your teen will typically need when applying for a Nevada permit:
1. Proof of Identity:

• Certified birth certificate or U.S. passport

2. Proof of Nevada Residency:

• Utility bills, Bank statements, Lease agreements

3. Proof of Good Attendance
4. Application for Driving Privileges or ID Card (DMV 002)
5. Minor Affidavit & Information Sheet
#3-5 can be found here: https://dmv.nv.gov/dlipteens.htm
Now you’re ready to make your appointment at the DMV!

Where to Take the Permit Test in Las Vegas
Las Vegas families can visit several DMV offices, including:

• Sahara DMV
• Flamingo DMV
• Decatur DMV
• Henderson DMV

How Parents Can Help Teens Pass the Permit Test
1. Use Practice Tests- Online Nevada permit practice tests are one of the best study tools
2. Study Road Signs Daily- Flashcards and quiz apps help teens memorize signs faster.
3. Practice Driving Vocabulary- Understanding terms like “yield,” “blind spot,” and “following distance” makes a huge difference.
4. Schedule the Test at the Right Time- Avoid scheduling appointments right after school or sports when teens are tired.

LAST STEP! Once they’ve secured their permit, contact your insurance company or agent to make sure they are added as a permitted driver. Don’t worry, most companies won’t raise your rates until they are fully licensed.

​Written by:
Amy Miller
Blue Sky Insurance/Agency Owner

f you drive in Las Vegas, you already know car insurance is expensive. In fact, Las Vegas drivers pay some of the highest insurance rates in Nevada because of heavy traffic, vehicle theft, accident claims, tourism traffic, and rising repair costs.

But here’s something many drivers don’t realize:
Your vehicle choice can dramatically change your monthly insurance bill.

Some cars are more affordable to insure because they are safer, cheaper to repair, and less likely to be stolen. Others can cost hundreds or even thousands more each year.

Why Car Insurance Is So Expensive in Las Vegas

1. Heavy Traffic Las Vegas roads stay busy year-round with tourists, commuters, rideshare drivers, and convention traffic. More vehicles on the road means more accidents.
2. Vehicle Theft Nevada consistently ranks high for vehicle theft claims, especially in Clark County. Stolen vehicle claims increase comprehensive insurance rates.
3. Expensive Repairs Modern vehicles now include:

• Cameras
• Sensors
• Radar systems
• Touchscreen electronics

                   Even minor accidents can cost thousands to repair.
     4. High Accident Rates Las Vegas sees a large number of:

• Rear-end crashes
• DUI accidents
• Distracted driving claims
• Intersection collisions

                 Insurance companies adjust premiums based on local risk levels.

Affordable Vehicles to Insure in Las Vegas
According to recent insurance data, compact SUVs and practical crossover vehicles tend to have the lowest insurance costs in Las Vegas.
Subaru Crosstrek

• Excellent safety ratings
• Lower theft rates
• Affordable repair costs
• Strong crash-test performance

Chevrolet Trailblazer

• Compact SUV design
• Lower repair expenses
• Family-oriented drivers file fewer risky claims

Kia Soul

• Affordable parts
• Lower horsepower
• Budget-friendly vehicle category

Honda CR-V

• Reliable safety technology
• Low injury claim rates
• Popular among safe drivers

Mazda CX-5

• High safety scores
• Moderate repair costs
• Fewer performance-related claims

Most Expensive Vehicles to Insure in Las Vegas
Luxury vehicles, sports cars, and high-performance models usually cost much more to insure.
Tesla Model 3

• Expensive battery repairs
• Specialized repair shops
• Advanced technology systems
• High parts costs

Dodge Challenger

• Higher speeding claims
• Increased accident risk
• More aggressive driving patterns

Cadillac Escalade

• Expensive replacement parts
• Theft risk
• Higher repair bills

BMW 330i

• Specialized repair requirements
• Expensive imported parts
• Higher labor costs

Audi Q5

• Premium parts
• Advanced electronics
• Expensive collision repairs

Final Thoughts
Las Vegas drivers face some of the highest insurance rates in the country, but the vehicle you choose can make a major difference.
Generally:

• Compact SUVs and practical crossovers cost less to insure
• Luxury cars and sports cars cost much more
• Safety ratings and repair costs heavily affect premiums

Before buying your next vehicle, always check insurance estimates first. Give Blue Sky a call before you buy! 702-410-8020
Written by:
Amy Miller
Blue Sky Insurance/Agency Owner