How to Find Cheaper Car Insurance Pricing From Agencies in Boulder City
Comparing car insurance companies in Boulder City, NV can be challenging because selecting the best Boulder City auto insurance agent for your needs takes more work than just picking up the phone. Consumers require a professional licensed agent, but also need the lowest rates in Boulder City.
Many auto insurance agents vie to insure your vehicles, so it can be very hard to choose a car insurance agent to find the best rate
Shop online but buy locally
Insurance agents are trained to spot inefficiencies and give you someone to call. The biggest benefit of comparing rates online is you may find lower rates and still choose a local agent.
By using this quick form, the coverage information gets sent to local insurance agents who will battle for your insurance coverage. There is no reason to leave your house as quotes are delivered directly to your email. How cool is that?! Get lower rates and an insurance agent to talk to.
Choosing an auto insurance agent shouldn’t rely on just the bottom line cost. Any agent should be forthright in answering these questions:
- If your car is in the repair shop, do you have coverage for a rental car?
- Do they make recommendations based only on price?
- Is their price quote a firm figure or are their hidden costs?
- Did they already check your driving record and credit reports?
- Which members of your family are coverage by the policy?
- Are they full-time agents?
- Do they specialize in personal lines coverage?
- Can they provide you with a list of referrals?
Different types of Boulder City auto insurance agents
When researching a reliable agent, there are two types of insurance agents from which to choose. Insurance agencies in Boulder City can either be independent or captive.
Captive Insurance Agents
Captive agencies can only place business with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to give you multiple price quotes so keep that in mind. They receive extensive training on the products they sell which helps them sell insurance even at higher premiums.
The following are Boulder City captive agencies willing to provide price quotes.
State Farm Insurance – 501 Nevada Hwy – Boulder City, NV 89005 – (702) 293-1562
Farmers Insurance Group – 521 Nevada Hwy – Boulder City, NV 89005 – (702) 294-0808
American Family Insurance – 414 Nevada Hwy – Boulder City, NV 89005 – (702) 293-7403
Independent Insurance Agents
Independent agencies do not work for one specific company so they can insure your vehicles with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies.
When shopping rates, you should always contact several independent insurance agents to get the best comparison.
The following is a short list of independent agents in Boulder City that can give you comparison quotes.
DISC Insurance Svc – 410 Nevada Hwy # 200 – Boulder City, NV 89005 – (702) 294-4399
National Insurance Crime Bur – 765 Darlene Way – Boulder City, NV 89005 – (702) 294-0524
To view a complete directory of Boulder City insurance agents, please go to this site.
After receiving positive responses to your questions as well as a affordable price, you have narrowed it down to an auto insurance agent that is a good match to properly insure your vehicles.
Is buying direct online an option?
Auto insurance agents can be invaluable at times, but you can also find affordable Nevada auto insurance from companies direct over the internet. Some companies, such as Farmers Insurance and State Farm, who have local agents in Boulder City also allow consumers to buy direct on their websites, so that should be considered as an alternative to contacting agents.
If you’re concerned about not having an agent to talk to when shopping online, don’t sweat it. Online insurance companies provide toll-free numbers to walk you through the process. Also available are live chat and online tools you can access prior to buying.
Do customers save by switching to an online company? It’s difficult to provide an answer because there are many factors that determine the price you pay. It’s logical to say that going direct lowers rates due to not having any agent compensation. In many cases, there are high advertising and marketing costs and that can cost more than having to pay agents.
For more Nevada car insurance information
Additional detailed information is located at the Nevada Division of Insurance website. Visitors are able to learn about specific coverages, view a list of available companies, and read enforcement actions against agents and companies.
Other informative sites include this page for car insurance prices in Nevada and this page of insurance agents in Boulder City.
A little work can save a LOT of money
Budget-conscious car insurance is possible online as well as from independent agents in Boulder City, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.
When you buy insurance online, don’t be tempted to buy poor coverage just to save money. Too many times, an insured cut full coverage only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.