Quick Guide to Researching a Caliente Car Insurance Agent

When buying car insurance in Caliente, you have many choices and picking a good Nevada car insurance agent is more difficult than just using the same insurance agent as your neighbor. Consumers need a decent agent, and also competitive car insurance rates.

Multiple car insurance agents compete to insure your vehicles, and it can be difficult to compare rates and uncover the absolute best rate

Comparing rates from local agents

Licensed agents can answer important questions and help submit paperwork. The best thing about price shopping on the web is the fact that you can find the best rates but still work with a licensed agent.

Upon completion of this quick form, your insurance coverage information is submitted to insurance agents in Caliente who will return price quotes for your business. There is no reason to even leave your home as quotes are delivered directly to your email. Now that’s easy! Get lower rates and work with a local agent.

Picking a car insurance agent requires more thought than just the bottom line cost. Agents should be asked these questions:

• What will you get paid if your car is a total loss? How is that amount determined?
• What are the financial ratings for the companies they represent?
• Can they provide you with a list of referrals?
• Which members of your family are coverage by the policy?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• How many years of experience in personal lines insurance coverages do they have?
• Will your rates increase after a single accident?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

Two types of Caliente auto insurance agents

When searching for local Caliente agents, you need to know there are two types of insurance agents that you can select. Insurance agencies in Caliente are either captive or independent (non-captive).

Captive Agents

Captive insurance agents can only write with one company and examples are Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to give you multiple price quotes so always compare other rates. They are trained well on their company’s products and that can be a competitive advantage.

Independent Agents (or Brokers)

Independent agents are not employed by any specific company so they have the ability to put coverage with lots of companies and potentially find a lower price. If your agent finds better pricing, the business is moved internally without you having to go to a different agency.

When shopping rates, it’s recommended you contact multiple independent agents to get the best comparison.

Shown below is a short list of independent agents in Caliente willing to provide rate quotes.

Dolan and Edwards Insurance – 160 Front St – Caliente, NV 89008 – (775) 726-3196

To view a complete directory of car insurance agents in Caliente, go to this page.

Once you have received answers to your satisfaction and locked in a price quote, you may have just found a car insurance agent that meets your needs to provide car insurance coverage.

But what about GEICO, Progressive and Esurance?

Professional insurance agents are important, but Nevada car insurance can also be bought from online companies direct. Some companies, such as State Farm, Allstate and Farmers, that sell primarily through agents also give you the option to get a quote and buy online, so this should also be taken into consideration if you prefer to buy online.

If you’re worried about not having professional advice when buying car insurance direct, don’t sweat it. Car insurance companies that allow you to purchase coverage all have toll-free customer service you can use to get advice on coverages. They also have online help and live chat to make it easier to purchase.

Is it cheaper to buy online? It’s difficult to say for sure due to the large number of individual components that impact your rate calculation. You may think that buying directly from the company saves the cost of an agent commission. But the reality is advertising budgets are huge and this tends to eat up any savings.

Summing up your car insurance search

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. The ultimate goal is to get the best coverage possible at an affordable rate.

Lower-priced car insurance can be found online in addition to many Caliente insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Additional resources for Nevada consumers

Even more information can be found at the Nevada Division of Insurance website. Visitors are able to read enforcement actions against agents and companies, file complaints about a company, file complaints about an insurance agent or broker, and download brochures.