To locate a good insurance agent in Las Vegas, Nevada, it’s recommended you do the preliminary legwork using online quotes in order to save time. There is a good chance you’re not only searching for a professional agent, but also great rates as well.
With American Family, Allstate, State Farm and Farmers having local Las Vegas offices, it’s difficult to determine which insurance agency will provide you with the best rates, service and coverage. Thankfully, it’s easy to use insurance quotes online in order to build a list of insurance agencies from which to choose.
Why do I need an agent?
Educated insurance agents can point out coverage gaps and help you file claims. One of the great benefits of comparing rates online is you may find better rates but still work with a licensed agent. Supporting local businesses is important particularly in Las Vegas.
Once you complete this form (opens in new window), your information is submitted to local insurance agents who will compete for your insurance coverage. You don’t have to drive around because quoted prices will be sent straight to your inbox. It doesn’t get any easier!
Do you need an independent or captive insurance agent?
When finding an insurance agent, you must know there are a couple types of agencies to choose from. Insurance agencies in Las Vegas can either be independent (non-captive) or captive. Both types can insure your vehicles, but it’s worth learning how they differ since it can impact your agent selection.
Independent Insurance Agents
Independent agencies are not required to write business for one company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and that require little work on your part. When comparing rates, we recommend you include at least one independent agent to have the most options to choose from.
Below are independent agents in Las Vegas willing to provide pricing information.
Cohen Agency – – Las Vegas, NV 89107 – (702) 871-2220
Chadwick Family Agency – 2620 Regatta Dr # 122 – Las Vegas, NV 89128 – (702) 451-4409
Reba Labat Agency – 833 S Rainbow Blvd – Las Vegas, NV 89145 – (702) 880-7142
Tim Lucero Insurance – – Las Vegas, NV 89128 – (702) 256-3200
Insurance For Less – 3242 E Desert Inn Rd # 12 – Las Vegas, NV 89121 – (702) 248-5377
Captive Insurance Agents
These agents can only write with one company and examples are Liberty Mutual, Allstate, Farmers Insurance or State Farm. They generally cannot compare other company’s rates so they are skilled at selling on more than just price. They receive extensive training on their company’s products which can be an advantage.
Below are Las Vegas captive insurance agents that can give you rate quotes.
State Farm Insurance – 3315 E Russell Rd # 4e – Las Vegas, NV 89120 – (702) 454-3100
American Family Insurance – 4960 S Fort Apache Rd # 460 – Las Vegas, NV 89148 – (702) 256-3510
Liberty Mutual Insurance – 6985 W Sahara Ave # 105 – Las Vegas, NV 89117 – (702) 367-0541
Allstate Insurance – 9310 S Eastern Ave # 106 – Las Vegas, NV 89123 – (702) 617-4800
Farmers Insurance Group – 9520 Grenville Ave – Las Vegas, NV 89134 – (702) 646-5671
For a complete listing of captive agents in Las Vegas, please click here.
Selecting an insurance agency requires more thought than just a cheap price. These questions are important to ask:
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Which insurance companies are they affiliated with?
- How much will you save each year by using a higher deductible?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Which company do they place the most coverage with?
Once you have positive feedback to all your questions as well as a affordable price, you’ve probably found an insurance agent that can provide auto insurance coverage.
Is buying direct online an option?
Auto insurance agents can be invaluable at times, but you also have the option of buying direct over the internet. Certain auto insurance companies, such as State Farm, Allstate and Farmers, who sell through agents in Las Vegas also let you get quotes and purchase online, so that should be considered to possibly find a better rate.
If you’re uneasy about not receiving proper advice when shopping online, that should not be a issue. Online companies that allow you to purchase coverage all provide contact methods to answer any questions you may have. Consumers also can use live help and 24/7 access to make it easier to purchase.
Will buying online save you money? It’s difficult to say for sure since there are so many factors that impact your final bill. It would make sense to think that a consumer who buys direct saves by not paying a commission. But truthfully, marketing expenses are significant and this drives up their premium costs.
Affordable insurance is out there
When shopping online for auto insurance, never reduce needed coverages to save money. In many instances, an insured dropped liability coverage limits only to discover later they didn’t have enough coverage. The proper strategy is to find the BEST coverage at an affordable rate while still protecting your assets.
Cheap auto insurance is attainable from both online companies in addition to many Las Vegas insurance agents, and you need to price shop both to have the best chance of lowering rates. Some auto insurance companies do not provide online price quotes and these small, regional companies work with independent agents.
More information is located on the website for the Nevada Division of Insurance located here. Nevada consumers can view agent and company licensing information, file complaints about a company, and read state legal mandates and laws.
The articles below may also help you learn more about auto insurance in Las Vegas