How to Get the Best Price from Elko Auto Insurance Agents

When pricing auto insurance in Elko, NV, picking a good Nevada insurance agent takes more work than just randomly choosing from the yellow pages. You need a friendly agent, but also need the best price on auto insurance.

Online insurance companies like State Farm, GEICO and Farmers Insurance promote their brand names with advertising and it can be hard to see past the corporate glitz and find the best price available.

Online quotes with a local Elko insurance agent

Professional agents are trained to spot inefficiencies and help submit paperwork. The best thing about comparing rates online is you may find better rates but also keep your business local.

To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is sent to participating agents in Elko who will return price quotes for your coverage. You won’t need to leave your computer since price quotes are sent to the email address you provide. How cool is that?! You can find better rates AND a local agent.

Deciding on a car insurance agent requires more thought than just the premium amount. Some important questions to ask are:

  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Will your rates increase after a single accident?
  • Are they full-time agents?
  • How many years of experience in personal lines insurance coverages do they have?
  • What insurance company do they write the most business with?

The following are Elko auto insurance agents that may be willing to give rate quotes.

Country Insurance & Financial – 352 7th St, Elko, NV 89801 – (775) 738-1744
State Farm Insurance – 557 W Silver St # 204, Elko, NV 89801 – (775) 753-7897
Liberty Mutual Insurance – 225 Silver St # 103, Elko, NV 89801 – (775) 777-3700
Worline Agency Inc – 501 Oak St, Elko, NV 89801 – (775) 738-8079
Prudential Insurance Co – 380 Court St, Elko, NV 89801 – (775) 777-7471

Upon getting good answers to these questions and a low price estimate, chances are good that you have found a car insurance agent that is a good match to service your policy.

Are online companies an option?

Auto insurance agents are indespensible for some people, but you can also find affordable Nevada auto insurance directly from online companies. Even companies who sell through agents in Elko also let you quote and buy online. This is something to consider if you’re trying to lower your rates.

If you’re apprehensive about not having an agent to talk to, that is quite common when buying online the first time. Online car insurance companies have toll-free phone numbers and other options to walk you through the process.

Is online auto insurance cheaper? That is a tough question to answer because of the fact that insurance companies use many factors that determine the price you pay. It’s a logical assumption that a customer who purchases direcly from an online company cuts out the agent as a middleman. But in most cases, there are high advertising and marketing costs so there may not be significant savings.

If you just want to find lower premiums, the most effective way to determine who has the best rates, online companies or local insurance agents, is to make apples-to-apples comparisons of both. Lots of times people will get different prices comparing agents to online prices from the same car insurance company.

Nevada insurance agents

More Nevada auto insurance information

Additional detailed information can be found at the Nevada Division of Insurance website. Nevada consumers can file complaints about an insurance agent or broker, find a variety of consumer forms, and learn about insurance regulations.

In Summary

When trying to cut insurance costs, do not reduce coverage to reduce premium. There are too many instances where someone sacrificed liability limits or collision coverage only to regret that it was a big error on their part. Your goal should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Insureds who switch companies do it for many reasons like policy non-renewal, delays in responding to claim requests, an unsatisfactory settlement offer or unfair underwriting practices. No matter why you want to switch, finding a new auto insurance company can be pretty painless.