Wednesday, April 21, 1999 | 10:10 a.m.

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CARSON CITY -- State Allowance Commissioner Alice Molasky-Arman on Tuesday appear the anniversary consumer's adviser that shows motorists can save added than $1,000 in abounding cases by arcade for car insurance.
A analysis of 26 companies shows that such firms as Hawkeye-Security Allowance Co. and Liberty Mutual Fire Allowance Co. action some of the everyman rates.
Lower ante are answerable by United Services Automobile Association and USAA Casualty Allowance Aggregation but those behavior are accessible alone to aggressive and dependents.
Among those charging the accomplished ante were Nevada General Allowance Co. and Dairyland Allowance Co.
The address shows allowance ante abide to be college in the Las Vegas breadth than in Reno, Carson City and rural Nevada.

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The adviser offers examples of both distinct and affiliated middle-aged motorists with assorted records. For the survey, the allowance analysis acclimated a 1998 Ford Taurus sedan.
The sample action purchased was for $15,000 actual abrasion and $10,000 acreage damage; $250 deductible blow and $250 deductible comprehensive; $1,000 per blow medical payments and $15,000 per being for advantage from an uninsured motorist.
For a 50-year old distinct macho with a apple-pie almanac who drives beneath than 12,000 afar annually and lives in burghal Las Vegas in the 89128 zip code, the everyman amount was $776 offered by Hawkeye-Security and the accomplished of $2,424 by Dairyland Insurance.
For the aforementioned disciplinarian who lives in the Clark County zip cipher breadth of 89005, the low amount of $623 was offered by Liberty Mutual Fire Allowance and the aerial of $1,932 came from Nevada General Allowance Co.
For a 17-year-old changeable with a acceptable almanac with drivers apprenticeship who is on her father's action and who lives in the 89128 zip cipher breadth of Las Vegas, the low amount was $1,580 from Hawkeye-Security and the aerial amount was $4,704 from Nevada General Allowance Co.

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For the aforementioned disciplinarian in the Clark County zip cipher breadth of 89005, the low amount was $1,216 by Country Mutual Allowance Co. and the aerial of $4,452 by Nevada General Allowance Co.
The adviser says the low amount for a 65-year-old affiliated retired brace with a acceptable almanac active in the 89128 zip cipher breadth of Las Vegas is $727 from Colonial Penn Franklin Allowance Co., and the aerial amount was $2,226 by Dairyland.
The aforementioned brace active in the Clark County zip cipher breadth of 89005 would pay a low amount of $520 for Colonial Penn and a aerial of $2,016 for Nevada General Insurance.
Molasky-Arman cautions consumers to alarm her analysis and verify that the abettor they are ambidextrous with is accountant in Nevada. "Business cards are not affidavit of a accountant allowance abettor or company," she said.
"If you do business with an actionable abettor or company, you accept no agreement that the advantage you pay for will anytime be honored."

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She additionally said there is no adroitness aeon on allowance exceptional payments. If a acquittal is due the 15th of the month, it charge be accustomed on or afore that date. If there is a lapse, the exceptional may be increased.
The customer guides are accessible chargeless from the analysis with its offices in Las Vegas (2501 East Sahara Avenue, Room 302). Or the customer can get one by calling 486-4009 in Las Vegas and selecting either the "1" or the "3" option.
Guides are additionally accessible in Carson City by calling 800 992-0900.
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