Guide to Finding the Best Insurance Agent in Elko

When pricing car insurance in Elko, Nevada, picking a good Nevada insurance agency is harder than just making a phone call. Chances are you not only want a competent insurance agent, but you also want the best rates possible.

With companies like Farmers, Allstate, and independent agents having offices in Elko, it’s difficult to determine which one will provide the lowest rates and best service. Fortunately, consumers can get online price quotes in order to build a list of agencies and price estimates.

Online price comparisons from Elko agents

Agents can help determine the best coverages and help file insurance claims. The biggest benefit of getting online price quotes is you may find the best rates but also keep your business local. And providing support for small agencies is important especially in Elko.

Once you complete this simple form, your coverage information is instantly submitted to local insurance agents in Elko who will compete for your coverage. There is no reason to drive around because quoted prices will be sent to your email. Now that’s easy!

Insurance agents in Elko come in two varieties

If you’re trying to find a good Elko insurance agent, there are two types of agencies to choose from. Insurance agencies in Elko are either independent (non-captive) or captive. While both can insure your vehicles, but it’s worth learning how they are different because it can impact your selection of an agent.

Independent Insurance Agents

These agents are not locked into one company but rather can write business with lots of companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to find a new agent.

When comparison shopping, you should always include price quotes from multiple independent agents to get the best comparison.

Shown below are Elko independent insurance agents that can give you pricing information.

Adobe Insurance – 554 S 5th St – Elko, NV 89801 – (775) 777-1133
Country Insurance and Financial – 352 7th St – Elko, NV 89801 – (775) 738-1744
Worline Agency Inc – 501 Oak St – Elko, NV 89801 – (775) 738-8079

Captive Insurance Agents

Captive agencies can only write with one company and some examples include AAA, Allstate and State Farm. They are unable to provide prices from multiple companies so they have to upsell other benefits. They receive extensive training in insurance sales which can be an advantage.

Listed below is a list of captive agents in Elko that can give you price quotes.

State Farm Insurance – 557 W Silver St # 204 – Elko, NV 89801 – (775) 753-7897
Liberty Mutual Insurance – 225 Silver St # 103 – Elko, NV 89801 – (775) 777-3700

To view a complete directory of captive insurance agencies in Elko, view this link.

Selecting a car insurance agent shouldn’t rely on just the premium amount. Ask your prospective agent these questions:

  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • How are they compensated?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • How often do they review policy coverages?
  • Does the company allow you to choose your own collision repair facility?

Once you have satisfactory answers to your questions in addition to an acceptable price estimate, you’ve probably found a car insurance agent that can insure your vehicles.

What if I want to shop online?

Professional insurance agents are important to many people, but you can also find affordable Nevada auto insurance direct from companies online. Some companies, such as State Farm, Allstate and Farmers, that are more known for using agents, also allow you to quote and buy online, and consumers should do that if the lowest rate is your goal.

If you’re anxious about whether or not you’ll have guidance when shopping online, that shouldn’t be an issue. Online insurance companies all have toll-free customer service for getting questions answered. Also available are a frequently asked questions page to help you make a buying decision.

Are online premiums lower? The answer is complex due to the fact that there are multiple individual factors that influence how your policy is priced. You may think that buying online cuts out the agent as a middleman. But that assumption is generally incorrect because advertising and marketing take a lot of money so the lack of a commission may be a wash.

When trying to find the best rates, the only way to determine where you can get the lowest rate, either online or from agents, is comparing rate quotes from both. It’s even possible to receive different pricing for the exact same company depending on where you get the price quote from. You won’t know where the best price is until after comparing identical coverage quotes from both ways.

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Affordable insurance is out there

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. In many instances, an insured dropped liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.

People who switch companies do it for any number of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, being labeled a high risk driver or even policy cancellation. No matter why you want to switch, switching companies is easier than you think.

Additional consumer information websites

Much more information about car insurance in Nevada can be found on the website for the Nevada Division of Insurance found here. Consumers can read industry bulletins, find disaster information, and learn about specific coverages.

The following information may also be useful.