Free Guide to Finding a Sparks Car Insurance Agent
If you’re looking to buy car insurance, there are a lot of options and finding the best Nevada car insurance agent is harder than just driving to the closest agent’s office. It’s highly likely you want a highly trained agent, but also the lowest possible price.
With independent agents, Allstate and State Farm all competing for your business, consumers have a hard time knowing which will have the best service and rates. To help decide, consumers can get online quoting to build a list of agents to choose from.
Comparing prices from Sparks agents
Insurance agents are trained to spot inefficiencies and give you someone to call. The best thing about price shopping on the web is you can get better rates and still choose a local agent. Buying from small agencies is important especially in Sparks.
To help locate an agent, after submitting this quick form, the quote information is sent to local insurance agents in Sparks who will give you bids for your coverage. There is no need to leave your computer as quotes are delivered straight to your inbox. How’s that for easy! You can find better rates and an insurance agent to talk to.
Choose an insurance agent wisely
When finding an insurance agent, you must know there are a couple different types of agents from which to choose. Sparks agents can either be independent or captive.
Independent Agents (or Brokers)
Independent agents are not locked into one company but rather can write business with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent. When shopping rates, it’s recommended you include at a minimum one independent agency to get the best comparison.
Shown below are Sparks independent agencies willing to provide price quotes.
Kveum Insurance – 145 Isidor Ct # A – Sparks, NV 89436 – (775) 425-0710
Tracy Antone Insurance – 895 Roberta Ln # 101b – Sparks, NV 89431 – (775) 331-7789
Padgett Agency – 610 S Rock Blvd # 202 – Sparks, NV 89431 – (775) 355-6262
Agency Captives
Captive agents work for only one company and examples are Farmers Insurance or State Farm. They are unable to shop your coverage around so always compare other rates. They receive extensive training on the products they sell and that can be a competitive advantage.
The following are captive insurance agents in Sparks that can give you rate quotes.
Allstate Insurance – 1334 Disc Dr – Sparks, NV 89436 – (775) 626-3400
American Family Insurance – 2955 N Mccarran Blvd # 105 – Sparks, NV 89431 – (775) 826-5944
State Farm Insurance – 1450 E Prater Way # 111 – Sparks, NV 89434 – (775) 351-1125
Farmers Insurance Group – 433 Greenbrae Dr – Sparks, NV 89431 – (775) 359-2256
To view a full list of captive insurance agents in Sparks, go to this page.
Deciding on an insurance agent needs to be determined by more than just a cheap price. Ask your prospective agent these questions:
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- How often do they review policy coverages?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Are they properly licensed to sell insurance in Nevada?
- Do they receive special compensation for putting your coverage with one company over another?
- Do they make recommendations based only on price?
Once you have received positive responses to any questions you have and a good coverage price, most likely you have located an insurance agent that can properly insure your vehicles.
But what about GEICO, Progressive and Esurance?
Licensed agents can be invaluable at times, but you also have the option of buying direct from companies that only sell online. Even companies like Allstate and State Farm who have local agents in Sparks also allow you to buy direct on their websites, so keep that in mind if you don’t want to take the time to contact agents.
If you’re worried about choosing your own coverages when buying direct, don’t sweat it. Companies that allow you to purchase coverage all have client service departments for customer questions. Also available are live help and 24/7 access to help you make a buying decision.
Will you save money buying auto insurance online? That question is hard to answer since there are so many factors which can raise or lower premium rates. It’s logical to say that buying car insurance online saves by not paying a commission. For the majority of companies, however, it’s expensive to advertise and that can quickly cost more than paying an agent.
If you’re not set on any one company, the best way to find out if agents have better prices than online companies is to set aside time to compare rates from both. It’s possible to get different rates when using both online and agent quotes from the same insurance company. It’s not possible to know if the lower rates are from agents or online without getting separate quotes using both methods.
For more information
Additional car insurance information can be found on the website for the Nevada Division of Insurance found here. Visitors are able to read enforcement actions against agents and companies, find out which companies have the most complaints, and find disaster information.
Additional helpful sites include III.org’s auto insurance page and this list of insurance agents in Sparks.
What is YOUR best insurance company?
Insureds switch companies for a number of reasons such as poor customer service, policy cancellation, delays in paying claims and even lack of trust in their agent. It doesn’t matter what your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.
When you buy insurance online, don’t be tempted to buy less coverage just to save a little money. There are too many instances where an insured cut full coverage and learned later that the small savings ended up costing them much more. Your aim should be to buy enough coverage at a price you can afford while still protecting your assets.