If you’re looking to buy auto insurance, picking a good Nevada car insurance agent is more difficult than just randomly choosing from the yellow pages. For this article’s sake, it’s assumed you require not only a good agent that listens to you, but you also want affordable coverage.
With companies like State Farm, Allstate, Farmers and independent agents having local Winnemucca offices, it can be hard to know which one will provide you with the cheapest rates and the best coverage. To help decide, consumers can use insurance quotes online to get a list of insurance agencies and price estimates.
Comparing rates from local agents
Agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing insurance prices online is that you can obtain the best rates but also keep your business local. Supporting local agencies is definitely important in Winnemucca.
By using this quick form, your insurance data is emailed to participating agents in Winnemucca who will compete for your insurance coverage. You don’t have to drive around as quotes are delivered to your email. It doesn’t get any easier! It’s the lowest rates and a licensed agent to work with.
The type of car insurance agent you choose is important
When searching for a reliable agent, you need to know there are two types of agencies from which to choose. Agents are categorized either captive or independent.
Independent Agents (or Brokers)
These agents do not work for one specific company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent.
When shopping rates, you should always include at least one independent agent to get the best comparison.
The following are Winnemucca independent insurance agents who can help you get price quote information.
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 such as State Farm, AAA, Farmers Insurance or Allstate. They usually cannot place coverage with different providers so always compare other rates. These agents receive extensive training on their company’s products and that can be a competitive advantage.
Below are Winnemucca captive insurance agencies willing to provide price quote information.
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
For a complete listing of Winnemucca captive agencies, visit this site.
Choosing a car insurance agent shouldn’t rely on just a cheap price. Ask your prospective agent these questions:
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they have any clout with companies to ensure a fair claim settlement?
Upon receiving satisfactory answers to your questions and a good coverage price, you’ve probably found an insurance agency that is a good match to properly service your auto insurance policy.
What about online companies that don’t have local agents?
Licensed agents are important, but you can also find affordable Nevada auto insurance from companies direct over the internet. Certain companies who have local agents in Winnemucca also allow you to buy direct on their websites, and that can save time.
If you’re anxious about not receiving proper advice when buying direct, that is quite common when buying online the first time. Online car insurance companies provide phone numbers and online resources for customer questions.
Is pricing better online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say due to the large number of individual components that impact your final bill. It’s logical to say that a consumer who buys direct prevents the agent from taking a cut. In reality, there are high advertising and marketing costs and that impacts the rates consumers pay.
Much more information about auto insurance in Nevada can be read on the website for the Nevada Division of Insurance located here. Visitors are able to file complaints about a company, find out industry alerts, find disaster information, and view agent and company licensing information.
More related Winnemucca auto insurance information:
The best insurance company isn’t always the cheapest
Cheap auto insurance can be bought on the web and also from your neighborhood Winnemucca agents, and you need to price shop both to have the best chance of lowering rates. A few companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.
People leave their current company for a variety of reasons including policy non-renewal, extreme rates for teen drivers, unfair underwriting practices or high rates after DUI convictions. Regardless of your reason for switching companies, finding a new auto insurance company is not as hard as you think.
