Reno Car Insurance Agents – Are They All the Same?

Selecting a car insurance company in Reno, Nevada can be time consuming since selecting the best Reno insurance agent for your needs is harder than just making a phone call. Most likely you’re looking for a highly trained agent, but you also want affordable coverage.

With State Farm, Allstate, Farmers and independent agents all competing for your business, it can be hard to know which provider will have the best rates, service and coverage. Fortunately, consumers can use online quoting in order to build a list of agents and thier coverage prices.

Buying car insurance locally

Agents are trained to spot inefficiencies and help submit paperwork. The biggest benefit of price shopping on the web is you can get better rates but also keep your business local. And providing support for small agencies is especially important in Reno.

After completing this simple form, the coverage information is transmitted to companies in Reno who will give you bids for your coverage. You don’t have to leave your house because quoted prices will be sent directly to your email. It doesn’t get any easier! You can find the lowest rates and a licensed agent to work with.

The type of auto insurance agent you choose is important

When looking for a reliable agent, there are a couple of different agency structures that you can select. Reno agents can either be independent (non-captive) or captive.

Independent Agents

These agents do not work for one specific company but instead can place your coverage with any number of different companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies.

When searching for an agent, it’s recommended you include price quotes from multiple independent agents for maximum quote selection.

Shown below is a list of independent agents in Reno who can help you get comparison quotes.

C and J Insurance Svc – 6490 S Mccarran Blvd # C20 – Reno, NV 89509 – (775) 828-9747
Nancy Jones Insurance – 226 California Ave – Reno, NV 89509 – (775) 323-2357
LA Tourrette Agency – 994 Forest St – Reno, NV 89509 – (775) 786-1515

Agency Captives

These agents are contracted to one company and examples are Allstate, AAA, Liberty Mutual and State Farm. Captives cannot compare other company’s rates so they have to upsell other benefits. Captive agencies are usually quite knowledgeable in insurance sales and that can be a competitive advantage.

Shown below are captive agents in Reno willing to provide rate quotes.

State Farm Insurance – 6135 Lakeside Dr # 135 – Reno, NV 89511 – (775) 825-4040
Farmers Insurance Group – 620 E Plumb Ln # 100 – Reno, NV 89502 – (775) 827-2908
Allstate Insurance – 5365 Mae Anne Ave # B14 – Reno, NV 89523 – (775) 787-6333
American Family Insurance – 1196 S Rock Blvd # A – Reno, NV 89502 – (775) 823-9205
Liberty Mutual Insurance – 5081 S Mccarran Blvd – Reno, NV 89502 – (775) 827-1000

To view a full list of Reno captive agents, visit this site.

Selecting an auto insurance agent should depend on more than just the price. Any agent should be forthright in answering these questions:

  • Do they review policy coverages at every renewal?
  • Are claims handled at the agent’s location?
  • Can they provide you with a list of referrals?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Does the agency support the community they serve?

After getting positive responses to your questions and a low price estimate, you may have just found a car insurance agent that can properly insure your vehicles.

What about online companies that cut out the middleman?

Insurance agencies are indespensible for some people, but you also have the option of buying Nevada car insurance direct from companies online. Even companies like State Farm and Allstate who sell through the agent channel also give you the ability to buy online, and that is helpful if you prefer to buy online.

If you’re anxious about not having an agent to talk to when buying car insurance direct, that should not be a issue. Companies provide access to licensed agents for customer questions. In addition, they usually offer live help and an extensive research center to help you answer questions.

Nevada independent agents

Can you save money buying online? Many people think so, but it’s hard to say for sure due to the fact that there are multiple individual factors that can increase policy rates. Common sense would say that a consumer who buys direct saves money because there is no commission. But truthfully, promoting brand recognition is pricey so the lack of a commission may be a wash.

Much more information about car insurance in Nevada is available on the website for the Nevada Division of Insurance through this link. Nevada consumers can learn about specific coverages, read consumer alerts, and read state legal mandates and laws.

More quotes mean more savings

Discount car insurance can be bought online and also from your neighborhood Reno agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

When you buy insurance online, don’t be tempted to reduce coverage to reduce premium. In many cases, an accident victim reduced full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at an affordable rate.