Consumers Guide to Finding a North Las Vegas Insurance Agent
When finding an insurance agent in North Las Vegas, Nevada, it’s recommended you do the preliminary legwork on the internet in order to save time. We’re assuming you’re wanting a professional licensed agent, but also great rates as well.
With companies like Allstate, Farmers, State Farm and many independent agents having local North Las Vegas offices, it’s hard to tell which car insurance agent will have the cheapest rates and the best coverage. To begin, it’s easy to use online quoting to build a list of insurance agencies from which to choose.
Neighborhood insurance agents
Licensed agents can help determine the best coverages and help in the event of a claim. The biggest benefit of comparing rates online is the fact that you can find better rates but still work with a licensed agent. And providing support for local agencies is especially important in North Las Vegas.
To find an agent, once you fill out this simple form, the quote information is emailed to companies in North Las Vegas who will battle to get your business. You never need to even leave your home due to the fact that quote results will go immediately to your email address. How’s that for easy!
Not all insurance agents are the same
When researching a local agent, you must know there are a couple types of agencies from which to choose. North Las Vegas agents are either captive or independent. While both can do a good job, but it’s important to know how they differ because it can impact the type of agent you choose
Independent Insurance Agents
These agents are not locked into one company but instead can place your coverage with multiple insurance companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to find a new agent. When comparison shopping, you should always include multiple independent agents to get the best comparison.
Listed below is a list of independent insurance agencies in North Las Vegas that are able to give comparison quotes.
Laidlaw Agency – 5595 Simmons St # 4 – North Las Vegas, NV 89031 – (702) 804-5600
Agency Insurance Resolutions – 3100 E Lake Mead Blvd – North Las Vegas, NV 89030 – (702) 649-5505
Argonaut Insurance – – North Las Vegas, NV 89032 – (702) 638-2935
Brooke Insurance and Financial – 2101 E Lake Mead Blvd # A – North Las Vegas, NV 89030 – (702) 639-0288
Captive Insurance Agents
This type of agents have only one company to place business with and some examples include Allstate, Farmers Insurance, State Farm and AAA. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. Captive agencies are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums.
The following is a list of captive agencies in North Las Vegas that can give you rate quotes.
American Family Insurance – 3030 W Ann Rd # 110 – North Las Vegas, NV 89031 – (702) 396-7100
Farmers Insurance Group – 3925 N Martin L King Blvd #116 – North Las Vegas, NV 89032 – (702) 647-3507
State Farm Insurance – 5546 Camino AL Norte # 1-3 – North Las Vegas, NV 89031 – (702) 220-9673
Allstate Insurance – 5575 Simmons St # 9 – North Las Vegas, NV 89031 – (702) 252-3412
For a complete listing of auto insurance agents in North Las Vegas, simply jump to this page.
Selecting an insurance agency should depend on more than just a cheap price. Some important questions to ask are:
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Is the agent and/or agency licensed to do business in Nevada?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are you getting all the discounts the company offers?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
After receiving good answers to any questions you have as well as a affordable price, most likely you have located an auto insurance agent that will provide auto insurance coverage.
Can I save by buying online?
Insurance agencies are indespensible for some people, but you can also find affordable Nevada auto insurance direct over the internet. Some car insurance companies, such as Farmers Insurance and State Farm, who sell through agents in North Las Vegas also let you buy online, so keep that in mind if you are the do-it-yourself type.
If you’re apprehensive about choosing your own coverages, don’t sweat it. Insurance companies all provide contact methods for getting advice on proper coverages. Consumers also can use a frequently asked questions page that you can use before buying.
Are online rates lower? It’s difficult to provide an answer since there may be dozens of rate factors that influence your rates. It’s logical to say that buying direct saves money because there is no commission. In reality, online and traditional media advertising are expensive so the lack of a commission may be a wash.
A tidy conclusion
Affordable auto insurance can be found online as well as from independent agents in North Las Vegas, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.
For more information
More information can be read on the website for the Nevada Division of Insurance found here. Nevada drivers can find out which companies have the most complaints, read industry bulletins, file complaints about an insurance agent or broker, and view agent and company licensing information.