Online Rate Quotes for Fallon Car Insurance Agencies

If you’re looking to buy car insurance, you have many choices and picking a good Nevada insurance agent is harder than just driving to the closest agent’s office. It’s likely that not only do you want a friendly agent, but also the lowest possible price.

With companies like Allstate, Farmers and State Farm as well as independent agents having offices in Fallon, it can be hard to know which one will give you the best service and rates. Thankfully, it’s easy to use online quotes in order to build a list of agencies and price estimates.

Car Insurance through a local Fallon agent

Licensed agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of getting online price quotes is you can get the lowest rates but also keep your business local. And providing support for local businesses is especially important in Fallon.

For easy comparison, once you complete this short form, the coverage information is instantly submitted to local insurance agents in Fallon who will battle for your insurance coverage. You never need to even leave your home as quotes are delivered immediately to your email address. Now that’s easy! Get lower rates AND an agent nearby.

What types of insurance agents are in Fallon?

When looking for a local agent, there are a couple of types of agencies from which to choose. Agencies in Fallon are classified as either independent (non-captive) or captive.

Independent Insurance Agents

Independent agents are not required to write business for one company but rather can write business with lots of companies and potentially find a lower price. If your agent finds better pricing, the business is moved internally and you don’t have to find a new agent.

When comparing rates, it’s recommended you include at a minimum one independent agency to ensure the widest selection of prices.

Listed below are independent insurance agents in Fallon that can give you price quote information.

Downs Insurance Svc – 2156 Reno Hwy – Fallon, NV 89406 – (775) 423-0479
Les Hiibel Insurance Inc – 335 W Williams Ave – Fallon, NV 89406 – (775) 423-7997
Bill Lawson State Farm Agency – 2262 Reno Hwy – Fallon, NV 89406 – (775) 423-3200

Captive Insurance Agents

Captive agencies can only write with one company and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. They usually cannot shop your coverage around so it’s a take it or leave it situation. Captives receive extensive training on their company’s products and that can be a competitive advantage.

Below is a short list of captive insurance agents in Fallon who can help you get rate quotes.

Bill Lawson State Farm Agency – 2262 Reno Hwy – Fallon, NV 89406 – (775) 423-3200
Allstate Insurance – 959 W Williams Ave – Fallon, NV 89406 – (775) 423-8444

To view a complete directory of Fallon captive insurance agents, visit this link.

Deciding on a car insurance agent requires more thought than just a low price. Ask your prospective agent these questions:

  • Do they specialize in personal lines coverage?
  • Do they make recommendations based only on price?
  • Which company do they place the most coverage with?
  • What insurance companies do they recommend if they are an independent agent?
  • If you are a high risk driver, do they have special markets for your coverage?
  • What is the agency’s Better Business Bureau rating?
  • Are claims handled at the agent’s location?
  • Do they carry Errors and Omissions coverage?

After getting good answers to any questions you have in addition to an acceptable price estimate, you have narrowed it down to an insurance agent that is a good match to provide car insurance coverage.

Include online companies when price shopping

Licensed agents are a valuable resource, but you can also find affordable Nevada auto insurance direct from companies online. Some specific companies who employ agents also permit you to quote and buy online, and that can save time.

If you’re uneasy about whether or not you’ll have guidance, that is normal but is not a big issue. Companies all provide contact methods to answer your questions. Many online companies also provide help pages and frequently asked questions to help with the buying process.

Is auto insurance cheaper online? The answer is complex since there are so many factors that impact your premium. Some people will tell you that buying online saves money because there is no agent involvement. In reality, advertising budgets are huge and that can cost more than having to pay agents.

If you’re not set on any one company, the best way to find out whether online companies or local agents have lower rates is comparing prices for both of them. You can actually get different rates from agents as you do online returned by the same company.

Buy online or local, you save

When shopping online for car insurance, don’t be tempted to reduce coverage to reduce premium. There have been many situations where someone sacrificed uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to get the best coverage possible at the best price while still protecting your assets.

Consumers who switch companies do it for a variety of reasons including poor customer service, policy cancellation, an unsatisfactory settlement offer or denial of a claim. Regardless of your reason for switching companies, switching companies can be less work than you think.

Additional reading for car insurance information

More information is located on the website for the Nevada Division of Insurance through this link. Consumers can report car insurance fraud, view a list of available companies, and find a variety of consumer forms.