If you’re looking to buy car insurance, picking a good Nevada insurance agent is not as easy as just randomly choosing from the yellow pages. Consumers require an excellent agent, but also need cheap rates.
Numerous car insurance agents battle for your business, and it can be difficult to compare rates and uncover the absolute cheapest price
How to find Boulder City insurance agents online
Insurance agents can help determine the best coverages and help submit paperwork. The biggest benefit of comparing insurance prices online is that you can obtain lower rates and still have an agent to talk to.
After filling out this quick form, your information gets sent to local insurance agents in Boulder City who will compete for your business. There is no need to visit any agencies as quotes are delivered directly to your email. How cool is that?!
Selecting a car insurance agent requires more thought than just the bottom line cost. Any agent should be forthright in answering these questions:
- Do they review policy coverages at every renewal?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Are claim adjusters local or do you have to take your car somewhere else?
- What are the financial ratings for the companies they represent?
- What insurance company do they write the most business with?
- If you have an accident, will your rates go up?
- Do they carry Errors and Omissions coverage?
Choose the right insurance agent
If you’re trying to find a reputable insurance agent or broker, you must know there are a couple types of agencies to choose from. Agencies in Boulder City are categorized either captive or independent (non-captive). Both properly insure your vehicles, but it’s good to learn the difference between them since it may influence your selection of an agent.
Captive Agents
Captive agencies have only one company to place business with such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are unable to compare other company’s rates so keep that in mind. These agents are very knowledgeable on the products they sell which can be an advantage. Consumers often purchase coverage from captives mostly because of high brand loyalty and solid financial strength.
Shown below is a short list of captive agencies in Boulder City that are able to give price quotes.
- Farmers Insurance Group – 1610 Nevada Hwy – Boulder City, NV 89005 – (702) 293-1008
- State Farm Insurance – 501 Nevada Hwy – Boulder City, NV 89005 – (702) 293-1562
- American Family Insurance – 414 Nevada Hwy – Boulder City, NV 89005 – (702) 293-7403
Independent Agencies or Brokers
These agents are not required to write business for one company so they can insure your vehicles amongst many companies depending on which coverage is best. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part.
When searching for an agent, it’s recommended you contact at a minimum one independent agency for the best price selection.Most can insure with smaller companies who may have lower rates.
Below are Boulder City independent agents willing to provide price quote information.
- DISC Insurance Svc – 410 Nevada Hwy # 200 – Boulder City, NV 89005 – (702) 294-4399
- National Insurance Crime Bur – 765 Darlene Way – Boulder City, NV 89005 – (702) 294-0524
To view a full list of licensed insurance agents in Boulder City, view this link.
Once you have positive feedback to your questions and an acceptable price quote, most likely you have located an auto insurance agent that is a good match to insure your vehicles.
Are online companies an option?
Local insurance agents serve a purpose, but you can also find affordable Nevada auto insurance from companies direct over the internet. Some car insurance companies, such as State Farm, Allstate and Farmers, that are more known for using agents, also give you the option to buy a policy online, and that can save time and can also potentially find you lower rates.
If you’re anxious about not having professional advice, that is normal but is not a big issue. Online companies have customer service departments that you can contact for information.
If you just want to find lower premiums, the most effective way to determine if local insurance agents or online providers are cheaper is to get rates from both and compare them. Even though it sounds odd, people frequently get different pricing for the exact same company when they get quotes from both. But you can’t find out where the best price is without getting separate quotes from both ways.
Does it save money buying online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say due to the fact that there are multiple individual factors that are calculated into your premium. Common logic is that shopping direct cuts out the agent as a middleman. In reality, advertising and marketing take a lot of money so the lack of a commission may be a wash.
And the best car insurance company is…
When buying insurance coverage, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim they didn’t purchase enough coverage. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.
People switch companies for a number of reasons such as delays in paying claims, policy cancellation, high rates after DUI convictions and high prices. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.
More detailed Nevada car insurance information can be read at the Nevada Division of Insurance website. Consumers can find out which companies have the most complaints, read enforcement actions against agents and companies, and view a list of available companies.
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