Winnemucca Car Insurance Savings the Insurance Agents Don’t Want You to Know About

If you’ve never shopped for car insurance online, you may be overwhelmed due to the large number of online companies all offering big savings in Winnemucca.

It’s a good habit to get comparison quotes before your policy renews because prices are usually higher with each renewal. Despite the fact that you may have had the lowest price a few years ago the chances are good that you can find a lower rate today. Starting right now, forget anything you know (or think you know) about car insurance because you’re going to learn the best way to find lower rates on car insurance.

Discounts are basically free money

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help bring down the price. A few discounts will automatically apply at quote time, but some must be specially asked for before you get the savings.

Low Mileage – Fewer annual miles can earn better rates on cars that stay parked.
Seat Belt Usage – Requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts up to 30%.
Military Discounts – Having a deployed family member can result in better rates.
Homeowners Savings – Simply owning a home may earn you a small savings because of the fact that having a home shows financial diligence.
Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Club Memberships – Affiliation with a civic or occupational organization may earn a discount on car insurance.
Accident Free – Drivers with accident-free driving histories pay less compared to accident-prone drivers.
Employee of Federal Government – Employees or retirees of the government may qualify you for a discount with certain companies.
Discount for Swiching Early – Some companies give discounts for buying a policy prior to your current policy expiring. The savings is around 10%.

Drivers should understand that many deductions do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous. But all discounts will bring down your premiums.

To see a list of insurance companies who offer car insurance discounts in Nevada, click this link.

Car Insurance through a local agent

A small number of people just want to get advice from a local agent and that is a personal choice. One of the best bonuses of comparing rates online is that you can obtain better rates and still choose a local agent. And providing support for local businesses is especially important in Winnemucca.

Upon completion of this form (opens in new window), your insurance data is instantly submitted to insurance agents in Winnemucca who will compete for your coverage. You won’t need to leave your house since price quotes are sent immediately to your email address. How cool is that?! You can find the lowest rates and an insurance agent to talk to.

What types of auto insurance agents are in Winnemucca?

When looking for a good insurance agency, there are two types of insurance agents to choose from. Winnemucca agents are classified as either independent (non-captive) or captive. Winnemucca Nevada insurance ad

Independent Agents

These agents are not employed by any specific company so they can insure your vehicles amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency. When shopping rates, we recommend you include at a minimum one independent agency for the best price selection. They also have the ability to place coverage with smaller regional carriers which can be an advantage.

The following are Winnemucca independent agents that can give you pricing information.

Country Insurance and Financial – 1053 S Bridge St – Winnemucca, NV 89445 – (775) 623-6677
Insurance Management Svc – 580 Baud St – Winnemucca, NV 89445 – (775) 623-3611

Captive Agents

Captive agents write business for a single company and some examples include Allstate, Farmers Insurance, State Farm and AAA. They are unable to compare other company’s rates so they have to upsell other benefits. These agents are usually quite knowledgeable in insurance sales which helps them compete with independent agents. Consumers sometimes buy from captive agents mainly due to high brand loyalty and the convenience of having a single billing for all their coverages.

Shown below is a list of captive agencies in Winnemucca who can help you get price quotes.

State Farm Insurance – 3011 Potato Rd – Winnemucca, NV 89445 – (775) 623-2781
Farmers Insurance Group – 639 S Bridge St – Winnemucca, NV 89445 – (775) 623-2478

To view a full list of car insurance agents in Winnemucca, visit this link.

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

If your car is totalled, how to they determine the replacement cost?
How many years of experience in personal lines insurance coverages do they have?
If you have an accident, will your rates go up?
Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Do they assist clients in filing claims?
Do they feel the quoted coverages are adequate?
Can they give you a list of client referrals?
Are claims handled at the agent’s location?

Once you have reasonable responses to these questions and an acceptable price quote, you have narrowed it down to an auto insurance agent that meets your needs to properly insure your vehicles.

More information can be found on the Nevada Division of Insurance website. Click here for link. Nevada drivers can find a variety of consumer forms, read industry bulletins, and get help finding coverage.

Quote more, save more

The cheapest car insurance can be purchased both online and with local Winnemucca insurance agents, so compare prices from both to have the best selection. Some companies do not offer online quoting and most of the time these small, regional companies sell through independent agents.

We just presented many ideas to compare car insurance prices online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a small mutual company.

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, drivers have reduced comprehensive coverage or liability limits only to find out that they should have had better coverage. Your aim should be to buy a smart amount of coverage at an affordable rate.