How to Get the Best Price from Ely Auto Insurance Providers

When finding a good Ely agent, we recommend you start your search for an agent online rather than looking in the yellowpages. We’re assuming that not only do you want a good professional insurance agent, but you also want to find great rates as well.

With State Farm, Allstate and many independent agents all competing for your business, it’s hard to tell which will have the lowest rates and best service. Thankfully, you can use online quoting in order to build a list of agents to choose from.

Save time by quoting online

Educated insurance agents can point out coverage gaps and give you someone to call. The biggest benefit of comparing rates online is the fact that you can find better rates but also keep your business local. Buying from local agencies is important particularly in Ely.

To make it easy to find an agent, after completing this form (opens in new window), your coverage information is instantly submitted to local insurance agents in Ely who will battle for your insurance coverage. You won’t need to even leave your home due to the fact that quote results will go directly to your email. It doesn’t get any easier!

Two different types of insurance agents

When looking for a good Ely insurance agent, you need to know there are two different agency structures that differ in how they can insure your vehicles. Agencies in Ely are either captive or independent (non-captive). Either one can properly insure your vehicles, but it’s good to learn how they are different since it may influence your selection of an agent.

Independent Agents (or Brokers)

Independent agents do not work for one specific company so they can insure your vehicles with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part. When comparison shopping, it’s a good idea to include at a minimum one independent agency to have the most options to choose from. They often place coverage with different regional companies who may have lower rates.

The following is a short list of independent agents in Ely willing to provide price quotes.

  • Barlow N White Insurance – 1141 E Aultman St – Ely, NV 89301 – (775) 289-8700
  • Country Insurance and Financial – 766 Aultman St – Ely, NV 89301 – (775) 289-2886
Agency Captives

Captive agents work for only one company and examples are AAA, State Farm, Farmers Insurance and Allstate. These agents are not able to shop your coverage around so they have to upsell other benefits. These agents are trained well on their products and sales techniques which helps them sell insurance even at higher premiums. Some consumers prefer to buy insurance from these agents partially due to the prominence of the brand and solid financial strength.

Listed below are Ely captive insurance agencies that are able to give price quotes.

  • State Farm Insurance – 894 E Aultman St – Ely, NV 89301 – (775) 289-4457
  • Farmers Insurance Group – 800 Avenue G – Ely, NV 89301 – (775) 289-4448

To view a full list of auto insurance agents in Ely, click here to link.

Selecting an insurance agent shouldn’t rely on just a cheap price. These are valid questions to ask:

  • Which company do they place the most coverage with?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Is the agent and/or agency licensed to do business in Nevada?
  • Do they carry Errors and Omissions coverage?
  • Does the agency have a good rating with the Better Business Bureau?
  • Will your rates increase after a single accident?
  • Can they provide you with a list of referrals?
  • What insurance companies do they work with?

Upon receiving good answers to these questions and a low price estimate, you have narrowed it down to an insurance agency that will properly insure your vehicles.

Include online companies when price shopping

Insurance agents are perfect for certain consumers, but you can also buy Nevada car insurance direct from companies that only sell online. Some specific companies that are more known for using agents, also allow consumers to buy direct on their websites, so this should also be taken into consideration if finding the best price is important.

If you’re uneasy about not getting advice from an agent when shopping online, that is quite common when buying online the first time. All companies all have client service departments to answer any questions you may have. They also offer extensive coverage information and 24/7 assistance to help you make a buying decision.

Is it cheaper to buy online? It’s difficult to say for sure because of the number of factors that impact your final bill. It’s often assumed that buying car insurance online saves money by not requiring a commission. But in most cases, marketing their products costs a lot of money and that impacts the rates consumers pay.

Online resources for education

Additional auto insurance information can be read on the Nevada Division of Insurance website through this link. Nevada consumers can view a list of available companies, file complaints about a company, and read industry bulletins.

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Online plus local equals savings

Cheaper auto insurance is attainable from both online companies and also from your neighborhood Ely agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Drivers change insurance companies for any number of reasons including being labeled a high risk driver, policy non-renewal, questionable increases in premium or denial of a claim. No matter why you want to switch, finding a new auto insurance company is actually quite simple.