Drivers Learn Techniques to Buying Insurance for an Acura NSX
Having to pay for overpriced car insurance can empty your savings account and force you to prioritize other expenses. Comparing price quotes is free, only takes a few minutes, and is a good way to help make ends meet. There are many car insurance companies to choose from, and though it is a good thing to be able to choose, lots of choices makes it harder to get the best deal.
How to Compare Car Insurance Quotes in Nevada
There are several ways to compare car insurance quotes, but one way is less labor-intensive and much quicker. You could spend your day driving to insurance agencies in your area, or you can utilize online quoting to accomplish the same thing much quicker.
Many popular insurance companies take part in a program where insurance shoppers submit one quote, and each company returns a rated price based on the submitted data. This saves time by eliminating form submissions for every car insurance company.
To access this free quoting program, click here to start a free quote.
One minor caviat to pricing coverage this way is you are unable to specify the companies to get pricing from. So if you want to select specific insurance companies to compare, we have a page of the cheapest car insurance companies in Nevada. Click here to view list.
Whichever method you choose, make absolute certain that you use apples-to-apples coverage information with every price quote. If your comparisons have different liability limits it will be next to impossible to decipher which rate is best.
Online quotes with a local Nevada insurance agent
Some people would rather visit with an insurance agent and that is a personal choice. Licensed agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of comparing rates online is you may find lower rates but still work with a licensed agent.
To help locate an agent, after submitting this form (opens in new window), the coverage information gets sent to agents in your area who will compete for your business. You never need to even leave your home due to the fact that quote results will go straight to your inbox. It doesn’t get any easier!
Choosing an insurer shouldn’t rely on just a cheap price. Ask your prospective agent these questions:
- What insurance companies do they recommend if they are an independent agent?
- Do they feel the quoted coverages are adequate?
- Do they have any clout with companies to ensure a fair claim settlement?
- Does the agency support the community they serve?
- What are the financial ratings for the companies they represent?
- Do they carry Errors and Omissions coverage?
- Is their price quote a firm figure or are their hidden costs?
- Did they already check your driving record and credit reports?
Insurance agent types
When looking for a good Nevada insurance agent, you must know there are a couple types of agencies that you can select. Agencies in Nevada are classified as either independent (non-captive) or captive. Both insure your vehicles, but it’s worth mentioning the difference between them since it may influence the type of agent you choose
Captive Agents
This type of agents write business for a single company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. Captives cannot compare other company’s rates so they have to upsell other benefits. Captive agents are very knowledgeable in insurance sales which helps them compete with independent agents.
Independent Agents
These agents are not employed by any specific company but instead can place your coverage with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, the business is moved internally and you don’t have to find a new agent. When comparing rates, it’s a good idea to include price quotes from at least one independent agent for the best price selection.
For a complete listing of Nevada agents, click here.
Upon receiving positive responses and a good coverage price, you’ve probably found a car insurance agent that can provide car insurance coverage.
Some additional reading
Even more information is available at the Nevada Division of Insurance website. Nevada consumers can learn about specific coverages, learn about insurance regulations, read state legal mandates and laws, and find out which companies have the most complaints.
The following information may also be useful.