Winnemucca Car Insurance Company 101
When finding an insurance agent in Winnemucca, Nevada, it’s recommended you do an initial search online rather than picking up the phone. Chances are good you want a professional licensed agent, but you also want affordable coverage.
With American Family, Allstate, State Farm and independent agents having local Winnemucca offices, consumers have a hard time knowing which provider will provide you with the best service and rates. Fortunately, it’s easy to use insurance quotes online in order to build a list of insurance agencies and thier coverage prices.
Why do I need an agent?
Educated insurance agents are trained to spot inefficiencies and help submit paperwork. The best thing about comparing rates online is the fact that you can find lower rates but still work with a licensed agent. And providing support for local insurance agencies is important especially in Winnemucca.
To find an agent, once you fill out this form (opens in new window), your insurance data is immediately sent to local insurance agents who will compete to get your business. You don’t have to visit any agencies because quoted prices will be sent to your email. Now that’s easy!
Best insurance agent in Winnemucca
When looking for a reliable agent, you need to know there are two types of agencies that you can select. Agents are either independent (non-captive) or captive. While both can properly insure your vehicles, but it’s important to know how they are different because it can influence buying decisions.
Independent Agents
Independent insurance agents do not work for one specific company but rather can write business with many different companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and that require little work on your part.
When searching for an agent, we recommend you contact at a minimum one independent agency for maximum quote selection. Many write coverage with different regional companies who may have lower rates.
The following is a short list of independent agencies in Winnemucca that may be able to provide competitive price quotes.
- Insurance Management Svc – 580 Baud St – Winnemucca, NV 89445 – (775) 623-3611
- Country Insurance and Financial – 1053 S Bridge St – Winnemucca, NV 89445 – (775) 623-6677
Captive Agents
Captive agencies have only one company to place business with and examples are Allstate, Farmers Insurance or State Farm. These agents are not able to place coverage with different providers so it’s a take it or leave it situation. Captive agents are very knowledgeable in insurance sales which can be an advantage. Consumers often choose to use a captive agent mainly due to the brand legacy and strong financial ratings.
The following is a list of captive agencies in Winnemucca that can give you price quote information.
- Farmers Insurance Group – 639 S Bridge St – Winnemucca, NV 89445 – (775) 623-2478
- State Farm Insurance – 3011 Potato Rd – Winnemucca, NV 89445 – (775) 623-2781
For a complete listing of captive insurance agents in Winnemucca, visit this site.
Picking an auto insurance agent should depend on more than just a cheap price. These questions are important to ask:
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Does the agency support the community they serve?
- Do they review policy coverages at every renewal?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do they feel the quoted coverages are adequate?
- What is the agency’s Better Business Bureau rating?
Upon receiving acceptable answers for all questions you ask in addition to an acceptable price estimate, you may have just found an auto insurance agent that meets your needs to insure your vehicles.
Online car insurance companies
Insurance agents are perfect for certain consumers, but Nevada drivers can also buy direct from companies online. Certain auto insurance companies who have local agents in Winnemucca also permit you to buy direct online, so keep that in mind if you prefer not to work with an agent.
If you’re worried about not having professional advice when buying car insurance direct, that shouldn’t be an issue. Auto insurance companies provide customer service to answer any questions you may have.
If you’re not set on any one company, the best way to find out where you can get the lowest rate, either online or from agents, is to get rates from both and compare them. It’s fairly common that you receive different coverage costs for the identical company depending on if you quote online or with an agent.
Does buying online save money? It’s difficult to say for sure due to the fact that there are multiple individual factors which can raise or lower premium rates. It’s a common assumption that going direct cuts out the middleman. But in reality, getting their brand in front of customers is expensive and that can quickly cost more than paying an agent.
Additional car insurance information can be read on the Nevada Division of Insurance website through this link. Nevada consumers can read industry bulletins, find out which companies have the most complaints, find a variety of consumer forms, and find out industry alerts.
Other useful links include this link for Nevada car insurance quotes and see this list of insurance agents in Winnemucca.
A little work can save a LOT of money
While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. Too many times, an insured cut collision coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.
Consumers who switch companies do it for many reasons like high rates after DUI convictions, high prices, an unsatisfactory settlement offer or lack of trust in their agent. It doesn’t matter what your reason, finding a new car insurance company is actually quite simple.