Consumers Guide to Searching Online for a Nevada Car Insurance Agent

When finding an insurance agent in Nevada, you can begin your search by comparing prices online instead of making phone calls. The chances are good you want a decent agent, but you also need affordable coverage.

With companies like State Farm, Allstate, Farmers and independent agents having offices in Nevada, it’s hard to tell which will have the best rates, service and coverage. To help decide, you can use online quoting to build a list of agencies to choose from.

Local Nevada agents and car insurance

Licensed agents can answer important questions and help file insurance claims. One of the great benefits of comparing rates online is you may find the lowest rates and still have an agent to talk to. And providing support for local agencies is important particularly in small towns and cities.

Once you complete this quick form, your insurance coverage information is instantly submitted to agents in your area who will give you bids for your insurance coverage. There is no reason to leave your house because quoted prices will be sent straight to your inbox. It doesn’t get any easier! Get lower rates and an insurance agent to talk to.

Choose the right insurance agent

When finding local Nevada agents, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Agents are either captive or independent.

Independent Agents (or Brokers)

Independent insurance agents are not locked into one company so they have the ability to put coverage with lots of companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent. When comparing rates, you should always get quotes from multiple independent agents to have the most options to choose from.Most can insure with smaller regional carriers which may provide better rates.

Captive Insurance Agents

Captive agencies can only write with one company and some examples include State Farm, AAA and Liberty Mutual. They are unable to shop your coverage around so always compare other rates. Captive agencies are usually quite knowledgeable in insurance sales which helps them compete with independent agents. Consumers frequently choose to use a captive agent mostly because of loyalty to the company and the convenience of having all coverages with one company.

For a complete listing of Nevada agents, view this site.

Choosing an insurance agent shouldn’t rely on just the premium amount. Ask your prospective agent these questions:

  • Does the agency have a good rating with the Better Business Bureau?
  • Are claims handled at the agent’s location?
  • Do they review policy coverages at every renewal?
  • Which insurance companies are they affiliated with?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • If you are a high risk driver, do they have special markets for your coverage?

Once you have satisfactory answers for all questions you ask and an acceptable price quote, chances are good that you have found an insurance agent that can properly insure your vehicles.

Are Progressive, GEICO and Esurance cheaper?

Car insurance agents can be invaluable at times, but you can also find affordable Nevada auto insurance direct online. Certain companies like Allstate and State Farm who sell through agents also allow consumers to quote and buy online. This is something to consider as an alternative to contacting agents.

If you’re uneasy about not getting proper coverage when buying car insurance direct, this really isn’t an issue. Insurance companies provide customer service you can use to get advice on coverages. In addition, they usually offer online education and live help anytime that can help answer basic questions.

If you’re not set on any one company, the best way to find out whether prices are lower online or from agents is to compare price quotes from both. It’s not unheard of to actually get different prices when comparing quotes online and from an agent for the same auto insurance company.

Is auto insurance cheaper online? The answer is complex due to the fact that there are multiple individual factors that influence how your policy is priced. You may think that buying directly from the company saves by not paying a commission. But in most cases, there are high advertising and marketing costs and that can quickly cost more than paying an agent.

More information about car insurance

Much more information about car insurance in Nevada is located on the Nevada Division of Insurance website through this link. Nevada consumers can learn about specific coverages, read consumer alerts, and find out industry alerts.

The following articles may also be useful.

The best insurance company isn’t always the cheapest

Drivers switch companies for many reasons like policy cancellation, high rates after DUI convictions, extreme rates for teen drivers or even delays in paying claims. Regardless of your reason, finding a new car insurance company can be less work than you think.

When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where someone sacrificed uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find at an affordable rate while still protecting your assets.