Finding a Good Insurance Agent in Fernley
To find a licensed insurance agent in Fernley, you can start your search using online quotes to save time. Consumers require a competent insurance agent, and also the best car insurance prices in Fernley.
Many car insurance agents vie to insure your vehicles, and because of this it can be hard to compare car insurance agents to get the lowest rate
How to find Fernley insurance agents online
Professional agents can help determine the best coverages and give you peace of mind. One of the great benefits of getting online price quotes is the fact that you can find lower rates but also keep your business local.
Once you complete this quick form, the coverage information gets sent to participating agents in Fernley who will return price quotes for your coverage. You don’t have to even leave your home as quotes are delivered immediately to your email address. How’s that for easy! You can find better rates and a licensed agent to work with.
Picking an insurance agent needs to be determined by more than just the premium amount. Here are some questions to ask:
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- What insurance companies do they work with?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Is the agent and/or agency licensed to do business in Nevada?
- Do they feel the quoted coverages are adequate?
Two types of insurance agents
When searching for a good insurance agency, you need to know there are two types of agencies that differ in how they can insure your vehicles. Agents are either captive or independent (non-captive).
Captive Agents
Captive insurance agents write business for a single company and some examples include State Farm, AAA and Liberty Mutual. They are unable to give you multiple price quotes so keep that in mind. Captives are well schooled on the products they sell which helps them compete with independent agents.
Listed below is a list of captive agencies in Fernley who can help you get rate quotes.
Farmers Insurance Group – 415 Us Highway 95a S – Fernley, NV 89408 – (775) 835-6991
Independent Agents (or Brokers)
Independent agencies do not work for one specific company but instead can place your coverage amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency. When comparison shopping, it’s a good idea to get quotes from several independent insurance agents for maximum quote selection.
The following is a short list of independent agents in Fernley who can help you get price quotes.
Richard C Jackson Insurance – 165 W Main St – Fernley, NV 89408 – (775) 575-2768
Country Insurance and Financial – 15 E Main St – Fernley, NV 89408 – (775) 575-1960
For a full directory of Fernley insurance agents, please click here.
Upon getting positive responses and a good coverage price, you have narrowed it down to an auto insurance agent that meets your needs to provide car insurance coverage.
Do online insurance companies cost less?
Insurance agents are a valuable resource, but Nevada car insurance can also be bought direct from companies that only sell online. A few companies like State Farm and Allstate who sell through agents in Fernley also allow you to get quotes and purchase online. This is something to consider if the lowest rate is your goal.
If you’re apprehensive about not getting proper coverage when shopping online, this is expected but don’t let that bother you. Auto insurance companies have customer service departments for getting questions answered.
Is it cheaper to buy car insurance online? Many people swear by it, but it’s difficult to answer because there are many factors that determine the price you pay. It’s a logical assumption that purchasing direct online saves money by not requiring a commission. For most companies selling online, however, there are high advertising and marketing costs and that can cost more than having to pay agents.
The only method to determine if local insurance agents or online providers are cheaper is to take the time to compare rates from both. You can actually get different rates comparing agents to online prices from the same insurance company.
Even more information can be read at the Nevada Division of Insurance website. Nevada consumers can file complaints about a company, view agent and company licensing information, find a variety of consumer forms, and find disaster information.
What is YOUR best insurance company?
While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. In many instances, drivers have reduced physical damage coverage only to find out that they should have had better coverage. Your focus should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.
Insureds leave their current company for a variety of reasons including an unsatisfactory settlement offer, questionable increases in premium, lack of trust in their agent or high prices. It doesn’t matter why you want to switch switching car insurance companies is not as hard as you think.