To locate an insurance agent in Carson City, NV, we recommend you do an initial search on the internet to save yourself time. Consumers require a friendly agent, but also need competitive car insurance rates.
Insurance companies such as Progressive, Geico and Farmers Insurance all promote huge savings with ads and it is challenging if not impossible to ignore the promise of big savings and do the work needed to find the best deal.
Comparing rates from local agents
Educated insurance agents can point out coverage gaps and help submit paperwork. The best thing about comparing insurance prices online is you may find the lowest rates and still choose a local agent.
To make it easy to find an agent, after completing this short form, your information is instantly submitted to agents in your area who will return price quotes for your insurance coverage. There is no need to visit any agencies because quoted prices will be sent immediately to your email address. It doesn’t get any easier! You’ll get the best rates and work with a local agent.
Choosing an insurance agency requires more thought than just a cheap price. These are valid questions to ask:
- How much can you save by raising your physical damage deductibles?
- Do they receive special compensation for putting your coverage with one company over another?
- Who is covered by the car insurance policy?
- Will their companies depreciate repairs to your car based on the mileage?
- Are there any hidden costs in their price quote and does it include driving and credit history?
Two different types of auto insurance agents
When researching a reputable insurance agent or broker, you need to know there are two different agency structures to choose from. Insurance agencies in Carson City are categorized either captive or independent.
Captive agencies have only one company to place business with and examples are State Farm, Allstate and AAA. These agents are not able to place coverage with different providers so they have no alternatives for high prices. Captive agents are trained well on the products they sell which can be an advantage.
Below is a list of captive agencies in Carson City who can help you get price quotes.
Farmers Insurance Group – 600 E William St – Carson City, NV 89701 – (775) 884-1045
Allstate Insurance – 1102 N Curry St – Carson City, NV 89703 – (775) 885-0100
American Family Insurance – 1621 Us Highway 50 E # E – Carson City, NV 89701 – (775) 885-8110
State Farm Insurance – 1940 Us Highway 50 E – Carson City, NV 89701 – (775) 882-3599
Independent Agencies or Brokers
These agents are not employed by any specific company so they can insure your vehicles with multiple insurance companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency. When comparing rates, we recommend you contact several independent insurance agents to ensure the widest selection of prices.
Shown below is a short list of independent agencies in Carson City who can help you get price quote information.
Jay Roberts Insurance – 1442 E William St – Carson City, NV 89701 – (775) 841-5254
Mountain West Insurance – 1502 N Carson St # 6 – Carson City, NV 89701 – (775) 882-1637
For a complete listing of car insurance agents in Carson City, please view this page.
Upon receiving good answers to these questions as well as a affordable price, you may have just found an auto insurance agent that will provide car insurance coverage.
Also consider buying auto insurance direct
Auto insurance agents can be invaluable at times, but you also have the option of buying directly from online companies. Certain auto insurance companies like Allstate and State Farm that sell primarily through agents also let you buy a policy online, so that should be considered if you want to do it yourself.
If you’re apprehensive about not getting proper coverage when buying car insurance direct, that is normal but is not a big issue. Online insurance companies provide options to answer any questions you may have. In addition, they usually offer extensive coverage information and 24/7 assistance that you can use before buying.
Is it cheaper to buy online? That is a tough question to answer since there may be dozens of rate factors which can raise or lower premium rates. Many people think that buying direct saves the cost of an agent commission. In reality, it’s expensive to advertise so the lack of a commission may be a wash.
Cheaper car insurance can be purchased both online and also from your neighborhood Carson City agents, and you should compare price quotes from both to get a complete price analysis. A few companies may not provide online quoting and most of the time these smaller companies sell through independent agents.
Drivers who switch companies do it for a number of reasons such as high prices, policy cancellation, an unsatisfactory settlement offer and not issuing a premium refund. Whatever your reason, choosing a new company is pretty easy and you might even save some money in the process.
For more Nevada car insurance information
More detailed Nevada car insurance information can be read at the Nevada Division of Insurance website. Visitors are able to find out which companies have the most complaints, find out industry alerts, learn about insurance regulations, and find a variety of consumer forms.
The following information may also be useful.