How to Get the Best Price from Las Vegas Car Insurance Agents

Comparing car insurance companies in Las Vegas, Nevada can be challenging because selecting the best Las Vegas insurance agency for your needs is not as easy as just randomly choosing from the yellow pages. Chances are you’re not only searching for a professional licensed agent, but you also need great rates as well.

With companies like State Farm, Allstate, Farmers and independent agents all competing for your business, it’s difficult to determine which provider will provide you with the best service and rates. Fortunately, consumers can use insurance quotes online to build a list of agents and thier coverage prices.

Online quotes help locate Las Vegas agents

Agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of comparing insurance prices online is that you can obtain the best rates and still have an agent to talk to. Supporting local businesses is definitely important in Las Vegas.

After filling out this form (opens in new window), your insurance coverage information gets sent to local insurance agents in Las Vegas who will battle to get your business. There is no reason to visit any agencies since price quotes are sent to your email. It doesn’t get any easier!

Choose the right car insurance agent

If you’re trying to find a reputable insurance agent or broker, you must know there are a couple types of insurance agents to choose from. Agencies in Las Vegas are classified as either independent or captive. Either one can write coverage properly, but it’s good to learn how they differ because it can influence buying decisions.

Independent Agencies or Brokers

Independent agents are not employed by any specific company but instead can place your coverage with lots of companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house and you won’t have to switch agencies.

When comparing rates, we recommend you include price quotes from at least one independent agent to get the best comparison. They also have the ability to place coverage with lesser-known insurance companies which can save you money.

Below is a short list of independent insurance agents in Las Vegas who may be able to give you price quotes.

  • Durante Insurance and Financial – 2375 S Jones Blvd # 315 – Las Vegas, NV 89146 – (702) 795-0840
  • Matthew Meron Agency – 6440 Sky Pointe Dr # 120 – Las Vegas, NV 89131 – (702) 260-8022
  • Country Insurance and Financial – 9625 W Saddle Ave – Las Vegas, NV 89147 – (702) 648-9900
  • Nsurance Tyme Agency – – Las Vegas, NV 89110 – (702) 452-7301
  • Betsy Van Noy Agency – 8540 S Eastern Ave # 160 – Las Vegas, NV 89123 – (702) 795-7710
Captive Agents

Captive insurance agents can only place business with one company such as State Farm, AAA and Liberty Mutual. These agents are unable to compare other company’s rates so it’s a take it or leave it situation. Captives are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Consumers sometimes purchase coverage from captives partially due to loyalty to the company and solid financial strength.

The following are Las Vegas captive insurance agencies that are able to give comparison quotes.

  • Liberty Mutual Insurance – 2340 E Tropicana Ave # 32 – Las Vegas, NV 89119 – (702) 736-8611
  • Farmers Insurance Group – 708 N Rainbow Blvd – Las Vegas, NV 89107 – (702) 877-8787
  • American Family Insurance – 833 S Rainbow Blvd – Las Vegas, NV 89145 – (702) 732-3164
  • State Farm Insurance – 7450 W Lake Mead Blvd # 3 – Las Vegas, NV 89128 – (702) 255-7666
  • Allstate Insurance – 3613 Vegas Dr – Las Vegas, NV 89108 – (702) 646-0266

To view a full list of captive insurance agents in Las Vegas, please view this page.

Choosing an auto insurance agent requires more thought than just the price. Agents should be asked these questions:

  • Is working in the agency their full-time job?
  • Are there any discounts that you might be missing?
  • Which members of your family are coverage by the policy?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • How much can you save by raising your physical damage deductibles?

After getting satisfactory answers for all questions you ask and a low price estimate, it’s possible that you found an insurance agency that is a good match to properly insure your vehicles.

Do online companies like Esurance, GEICO and Progressive give better rates?

Professional insurance agents are a valuable resource, but Nevada drivers can also buy directly from online companies. Some car insurance companies like State Farm and Allstate that sell primarily through agents also permit you to buy direct on their websites, and that can save time if you want to do it yourself.

If you’re worried about not getting proper coverage when shopping online, this is a normal reaction for first-time shoppers. All companies all provide contact methods for getting advice on proper coverages. You can also use extensive coverage information and 24/7 assistance to make it easier to purchase.

Do people save by buying online? The answer is complex due to the fact that there are many factors that influence the price you pay. Many people think that shopping online for auto insurance saves money because there is no agent involvement. In reality, online and traditional media advertising are expensive and that can cost more than having to pay agents.

Additional car insurance information is located on the Nevada Division of Insurance website located here. Nevada consumers can find a variety of consumer forms, file complaints about a company, read industry bulletins, and read consumer alerts.

Final considerations

Cheaper car insurance is definitely available from both online companies in addition to many Las Vegas insurance agents, so compare prices from both so you have a total pricing picture. Some car insurance companies do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

As you prepare to switch companies, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.