Nevada Car Insurance Agency Lowest Rates
If you’re trying to find a good insurance agent in Nevada, we recommend you start your search on the internet to save time. We’re assuming you not only want an excellent agent, but you also need the best rates possible.
With insurance companies like Allstate, Farmers and State Farm as well as independent agents having local Nevada offices, consumers have a hard time knowing which provider will give you the best rates, service and coverage. Fortunately, consumers can use online quotes to get a list of insurance agencies and thier coverage prices.
Car Insurance from Nevada insurance agents
Educated insurance agents can answer important questions and give you someone to call. One of the best bonuses of price shopping on the web is you may find the best rates but still work with a licensed agent. Supporting local agencies is important especially in smaller rural communities.
Once you complete this short form, your coverage information is sent to participating agents who will compete for your business. You never need to drive around since price quotes are sent immediately to your email address. Now that’s easy! You can find better rates AND an agent nearby.
Nevada insurance agencies are either independent or captive
When researching a reliable agent, there are a couple of types of agencies that differ in how they can insure your vehicles. Insurance agencies in Nevada can either be independent or captive.
Independent Agents
Independent agencies are not employed by any specific company but rather can write business with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent.
When searching for an agent, it’s recommended you include at least one independent agent to get the best comparison. They often place coverage with lesser-known insurance companies which may provide better rates.
Captive Insurance Agents
Captive agents work for only one company like Allstate, Farmers Insurance, State Farm and AAA. They are unable to compare other company’s rates so always compare other rates. Captive agencies are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers frequently buy from captive agents partially due to the prominence of the brand and solid financial strength.
To view a complete directory of Nevada agents, click here.
Choosing an auto insurance agent needs to be determined by more than just the bottom line cost. Any agent should be forthright in answering these questions:
- If your car is totalled, how to they determine the replacement cost?
- How much can you save by raising your physical damage deductibles?
- How long has their agency been in business?
- What are the financial ratings for the companies they represent?
- If your car is in the repair shop, do you have coverage for a rental car?
- Are there any hidden costs in their price quote and does it include driving and credit history?
Once you have reasonable responses to any questions you have and an acceptable price quote, chances are good that you have found an auto insurance agent that meets your needs to adequately provide car insurance.
But what about GEICO and Esurance?
Insurance agencies can be invaluable at times, but Nevada car insurance can also be bought direct over the internet. Certain companies like Allstate and State Farm that are more known for using agents, also let you buy online, and that is helpful and can also potentially find you lower rates.
If you’re anxious about not having someone to ask questions when buying car insurance direct, this is expected but don’t let that bother you. Insurance companies provide access to licensed agents to help you decide which coverages are appropriate. Consumers also can use anytime access to help and a customer research section that you can use if you have questions.
Are online premiums lower? Many people think so, but it’s hard to say for sure since companies use quite a few components that impact your rate calculation. It’s logical to say that a consumer who buys direct saves money because there is no agent involvement. But the fact is, online and traditional media advertising are expensive and this tends to eat up any savings.
Additional resources for Nevada consumers
Additional information is available on the Nevada Division of Insurance website found here. Consumers can file complaints about a company, learn about insurance regulations, and read enforcement actions against agents and companies.
The articles below may also help you learn more about car insurance in Nevada
One last thing
Affordable car insurance is possible both online and also from your neighborhood Nevada agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.
As you shop your coverage around, make sure you don’t buy less coverage just to save a little money. Too many times, drivers have reduced liability coverage limits to discover at claim time they didn’t purchase enough coverage. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.