How to Compare Car Insurance Rates From Carson City Insurance Agents

Comparing car insurance rates in Carson City can be a lot of work since you have many choices and choosing the right Carson City insurance agency is harder than just making a phone call. You require a good agent that listens to you, and also competitive car insurance rates.

You have so many car insurance agents to choose from, and although it’s nice to be able to choose, so many choices can make it hard to get the best deal.

Local Carson City agents and car insurance

Insurance agents can help determine the best coverages and give you someone to call. The best thing about price shopping on the web is that you can obtain the best rates and still choose a local agent.

To find an agent, once you fill out this short form, the quote information is transmitted to participating agents in Carson City who will battle for your coverage. You won’t need to even leave your home as quotes are delivered straight to your inbox. How cool is that?!

Deciding on an insurance agency should depend on more than just the premium amount. Agents should be asked these questions:

  • How long has their agency been in business in Carson City?
  • What insurance companies do they work with?
  • Do they assist clients in filing claims?
  • Does the company allow you to choose your own collision repair facility?
  • Do they review policy coverages at every renewal?

How to choose the best insurance agent in Carson City

When finding an insurance agent, there are two different agency structures that differ in how they can insure your vehicles. Agencies in Carson City are either independent (non-captive) or captive. While both can properly insure your vehicles, but it’s important to know the difference between them since it may influence your agent selection.

Agency Captives

This type of agents can only write with one company such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. Captive agents are trained well on their products and sales techniques which can be an advantage.

Listed below are captive agencies in Carson City who may provide you with price quote information.

American Family Insurance – 1621 Us Highway 50 E # E – Carson City, NV 89701 – (775) 885-8110
State Farm Insurance – 1940 Us Highway 50 E – Carson City, NV 89701 – (775) 882-3599
Farmers Insurance Group – – Carson City, NV 89701 – (775) 219-9703
Allstate Insurance – 194 W Winnie Ln – Carson City, NV 89703 – (775) 883-0505

Independent Agents (or Brokers)

Independent agencies do not work for one specific company so they have the ability to put coverage with any number of different companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent. When shopping rates, we recommend you contact several independent insurance agents for the best price selection.

The following are Carson City independent insurance agencies who can help you get price quote information.

Interstate Insurance Svc Inc – 1221 S Carson St # 13b – Carson City, NV 89701 – (775) 883-2929
Mountain West Insurance – 1502 N Carson St # 6 – Carson City, NV 89701 – (775) 882-1637

To view a complete directory of Carson City insurance agents, click here to link.

Once you have received good answers for all questions you ask and locked in a price quote, most likely you have located an auto insurance agent that is a good match to adequately provide car insurance.

Isn’t it cheaper to buy direct from companies like GEICO and Progressive?

Auto insurance agents serve a purpose, but you can also find affordable Nevada auto insurance directly from online companies. Certain auto insurance companies like State Farm and Allstate who sell through the agent channel also allow consumers to quote and buy online, and online price comparisons are easy and can also potentially find you lower rates.

If you’re uncomfortable with not having an agent to talk to when shopping online, that should not be a issue. Auto insurance companies all have toll-free customer service you can use to get advice on coverages.

Do people save by buying online? The answer to that question is complicated since there are so many factors that impact your final bill. It’s a logical assumption that shopping online for auto insurance saves the cost of an agent commission. In reality, marketing expenses are significant so rates may not be all that different from traditional agents.

More tips and info about car insurance is available at the Nevada Division of Insurance website. Nevada drivers can read industry bulletins, file complaints about a company, and report car insurance fraud.

More comparisons equals lower rates

Affordable car insurance is attainable both online in addition to many Carson City insurance agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and these regional insurance providers work with independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. In many instances, an insured dropped liability limits or collision coverage to discover at claim time they didn’t have enough coverage. The aim is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.