Learn Proven Ways to Save on Reno Auto Insurance

Are you tired of trying to scrape together enough money to pay your car insurance bill each month? You are no different than millions of other consumers.

Popular companies such as State Farm, GEICO and Farmers Insurance all promote huge savings with TV and radio ads and it is difficult to ignore the propoganda and do the work needed to find the best deal.

If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. Finding the best rates in Reno is easy if you know what you’re doing. Nevertheless, Nevada drivers must learn how big insurance companies sell online and apply this information to your search.

Lower rates by qualifying for discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be manually applied in order for you to get them.

  • Early Switch Discount – A few companies offer discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Low Mileage – Keeping the miles down can qualify you for a substantially lower rate.
  • Resident Student – Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% with select insurance companies.
  • New Car Discount – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Drivers Education – Require your teen driver to complete a driver education course if it’s offered in school.
  • Memberships – Affiliation with a qualifying organization could qualify you for a break when buying auto insurance.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for a discount up to 10%.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you could get a free auto insurance policy, companies wouldn’t make money that way. Any qualifying discounts will cut your overall premium however.

To choose providers with the best auto insurance discounts in Reno, click this link.

Won’t my local insurance agent miss me?

A small number of people prefer to talk to a local agent and that is a personal choice. The best thing about comparing insurance prices online is you can get lower rates but still work with a licensed agent. And supporting local businesses is important particularly in Reno.

To find an agent, once you fill out this form (opens in new window), the quote information is sent to local insurance agents who will return price quotes to get your business. You don’t have to leave your house because quoted prices will be sent straight to your inbox. It doesn’t get any easier! You can find better rates without the usual hassles of price shopping.save money concept

Different types of Reno insurance agencies

When researching local Reno agents, you need to know there are two different types of agents to choose from. Agents are categorized either independent or captive.

Independent Agencies or Brokers

Independent agents are not required to write business for one company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the business is moved internally without you having to go to a different agency.

When comparison shopping, it’s recommended you include price quotes from several independent insurance agents for maximum quote selection.

Listed below are independent agencies in Reno that may be able to provide competitive price quotes.

Emerson Insurance – 1901 Silverada Blvd # 20 – Reno, NV 89512 – (775) 356-8063
LA Tourrette Agency – 994 Forest St – Reno, NV 89509 – (775) 786-1515
Robert Meyers Insurance – 1155 W 4th St – Reno, NV 89503 – (775) 348-6393

Captive Insurance Agents

This type of agents can only place business with one company such as Farmers Insurance or State Farm. They are unable to give you multiple price quotes so they have no alternatives for high prices. Captive agents are usually quite knowledgeable on the products they sell and that can be a competitive advantage.

Shown below are Reno captive insurance agents willing to provide price quotes.

Farmers Insurance Group – 480 E Moana Ln – Reno, NV 89502 – (775) 826-8666
State Farm Insurance – 2005 Sierra Highlands Dr #A111 – Reno, NV 89523 – (775) 746-2222
Liberty Mutual Insurance – 5081 S Mccarran Blvd – Reno, NV 89502 – (775) 827-1000
American Family – 5370 Kietzke Ln # 105 – Reno, NV 89511 – (775) 827-6372
Allstate Insurance – 180 W Peckham Ln # 1110 – Reno, NV 89509 – (775) 827-3481

For a full directory of captive insurance agents in Reno, please click here.

save money concept

Choosing an auto insurance agent needs to be determined by more than just a low price. Some important questions to ask are:

  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Do they assist clients in filing claims?
  • What are the financial ratings for the companies they represent?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Does the company allow you to choose your own collision repair facility?

Once you have satisfactory answers for all questions you ask and a low price estimate, you have narrowed it down to an insurance agent that can service your policy.

Learn more about auto insurance in Nevada

Much more information about auto insurance in Nevada is available on the website for the Nevada Division of Insurance. Click here for link. Consumers can find out industry alerts, report car insurance fraud, and learn about insurance regulations.

One last thing about your coverage

As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. Too many times, an insured dropped collision coverage and discovered at claim time that it was a big error on their part. The aim is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

In this article, we presented some good ideas how you can get a better price on auto insurance. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest rates come from a small local company. They may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

Cost effective auto insurance can be found online in addition to many Reno insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.