Finding good car insurance in Fernley can be challenging since picking a good Nevada insurance agency is harder than just calling the closest agent. Chances are good that not only do you want a good agent that listens to you, but also affordable coverage.
With companies like Allstate, Farmers, State Farm and many independent agents all competing for business in Fernley, it’s difficult to determine which one will have the best service and rates. Fortunately, consumers can get online quoting in order to build a list of insurance agents and price estimates.
Quote online but still have a local agent
Professional agents are trained to spot inefficiencies and give you someone to call. One of the great benefits of comparing rates online is that you can obtain the lowest rates but still work with a licensed agent. And supporting local insurance agencies is especially important in Fernley.
Once you complete this short form, the quote information is submitted to participating agents in Fernley who will give you bids for your insurance coverage. You never need to leave your house due to the fact that quote results will go immediately to your email address. How cool is that?! You’ll get the best rates and a licensed agent to work with.
The difference between Fernley insurance agents
When looking for local Fernley agents, you need to know there are two types of insurance agents that you can select. Insurance agencies in Fernley are classified as either independent or captive.
Independent Insurance Agents
Independent agencies are not employed by any specific company but instead can place your coverage amongst many companies depending on which coverage is best. To transfer your coverage to a different company, your agent can switch companies and you don’t have to find a new agent.
When searching for an agent, it’s a good idea to include at least one independent agent to have the most options to choose from. Many write coverage with different regional companies which can save you money.
Shown below is a short list of independent insurance agents in Fernley that can give you price quote information.
- Richard C Jackson Insurance – 165 W Main St – Fernley, NV 89408 – (775) 575-2768
- Country Insurance and Financial – 15 E Main St – Fernley, NV 89408 – (775) 575-1960
Captive Insurance Agents
Captive insurance agents can only place business with one company and some examples include AAA, State Farm, Farmers Insurance and Allstate. These agents are not able to give you multiple price quotes so it’s a take it or leave it situation. They are well schooled on their products and sales techniques which can be an advantage. Some people will only buy insurance from these agents mostly because of the prominence of the brand and the convenience of having a single billing for all their coverages.
Shown below are captive insurance agencies in Fernley that can give you comparison quotes.
- Farmers Insurance Group – 415 Us Highway 95a S – Fernley, NV 89408 – (775) 835-6991
For a full directory of captive insurance agents in Fernley, please click here.
Deciding on a car insurance agent needs to be determined by more than just a cheap price. These are valid questions to ask:
- Is the agent and/or agency licensed to do business in Nevada?
- Do they have any clout with companies to ensure a fair claim settlement?
- If you have an accident, will your rates go up?
- Does the agency have a good rating with the Better Business Bureau?
- How often do they review policy coverages?
- Are claim adjusters local or do you have to take your car somewhere else?
- What insurance company do they write the most business with?
- If you are a high risk driver, do they have special markets for your coverage?
Upon getting good answers to these questions and a good coverage price, most likely you have located an insurance agency that will properly service your car insurance policy.
What if I want to buy from an online company?
Insurance agents can be invaluable at times, but you also have the option of buying direct from companies that only sell online. Some car insurance companies like Allstate and State Farm who have local Fernley agents additionally provide the ability to quote and buy online, so that should be considered.
If you’re concerned about not having an insurance agent’s advice when buying direct, that is quite common when buying online the first time. Companies that require consumers to choose their own coverages provide phone numbers and online resources you can use to get advice on coverages. You may also access 24/7 live help and a car insurance FAQ section to help you answer questions.
If you have the time, the only way to find out if car insurance prices are lower online or from agents is to get price quotes for both. It’s possible to get different rates when using both online and agent quotes returned by the same company.
Can you save money buying online? Many people swear by it, but it’s difficult to answer since there are many things that determine the price you pay. Common logic is that shopping direct saves the cost of an agent commission. In many cases, promoting brand recognition is pricey and those expenses can offset most of the savings by selling direct.
Much more information about car insurance in Nevada can be found on the Nevada Division of Insurance website. Click here for link. Nevada consumers can file complaints about an insurance agent or broker, report car insurance fraud, and read enforcement actions against agents and companies.
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A little work can save a LOT of money
Insureds leave their current company for any number of reasons including questionable increases in premium, poor customer service, high rates after DUI convictions and even extreme rates for teen drivers. Regardless of your reason for switching companies, switching companies is pretty simple and you could end up saving a buck or two.
While you’re price shopping online, do not reduce needed coverages to save money. There have been many cases where an insured cut collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at an affordable rate, not the least amount of coverage.
