Tips for Searching for a Sparks Insurance Agent

When searching for a licensed insurance agent in Sparks, we recommend you start your search using online quotes in order to save time. Consumers need a friendly agent, but also need competitive car insurance rates.

Many car insurance agents compete to insure your vehicles, and because of this it can be hard to compare car insurance agents and get the best coverage at the lowest rate

Quote online, buy local

Insurance agents can point out coverage gaps and give you someone to call. One of the best bonuses of comparing rates online is you may find better rates and still choose a local agent.

To make it easy to find an agent, after completing this short form, the quote information is immediately sent to local insurance agents in Sparks who will give you bids for your coverage. You don’t have to leave your house since price quotes are sent to your email. How cool is that?! You’ll get the best rates and work with a local agent.

Choosing an insurance agency should depend on more than just the price. Some important questions to ask are:

  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do they receive special compensation for putting your coverage with one company over another?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Can they provide you with a list of referrals?
  • Does the agency have a good rating with the Better Business Bureau?
  • What insurance companies do they recommend if they are an independent agent?

Two different types of car insurance agents

When searching for an insurance agent, you need to know there are two different types of agents from which to choose. Agencies in Sparks are categorized either independent (non-captive) or captive.

Captive Agents

Captive agents are contracted to one company like Allstate, Farmers Insurance or State Farm. They are unable to place coverage with different providers so it’s a take it or leave it situation. Captive agencies are usually quite knowledgeable on their company’s products which helps them compete with independent agents.

Shown below is a short list of captive insurance agents in Sparks willing to provide price quote information.

American Family Insurance – 2888 Vista Blvd # 106 – Sparks, NV 89434 – (775) 823-9604
Farmers Insurance Group – 2215 N Mccarran Blvd – Sparks, NV 89431 – (775) 356-6322
Allstate Insurance – 780 Baring Blvd – Sparks, NV 89434 – (775) 351-1100
State Farm Insurance – 1450 E Prater Way # 111 – Sparks, NV 89434 – (775) 351-1125

Independent Insurance Agents

Independent agents are not required to write business for one company but rather can write business amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and you won’t have to switch agencies. When comparison shopping, we recommend you include price quotes from multiple independent agents to get the best comparison.

Shown below is a list of independent agents in Sparks that can give you price quote information.

Padgett Agency – 610 S Rock Blvd # 202 – Sparks, NV 89431 – (775) 355-6262
Country Insurance and Financial – 5931 Los Altos Pkwy # 103 – Sparks, NV 89436 – (775) 626-3100
Auto Insurance America – 2304 Oddie Blvd # B – Sparks, NV 89431 – (775) 358-2215

For a full directory of insurance agents in Sparks, go to this page.

Once you have received satisfactory answers to these questions and an affordable coverage quote, you have narrowed it down to an insurance agent that can insure your vehicles.

Do online insurance companies have lower rates?

Auto insurance agents serve a purpose, but you can also find affordable Nevada auto insurance directly from online companies. A few companies, such as State Farm, Allstate and Farmers, who sell through the agent channel also allow consumers to buy direct on their websites, and consumers should do that if you’re trying to lower your rates.

If you’re concerned about not getting proper coverage, this really isn’t an issue. Auto insurance companies all have toll-free customer service to help you decide which coverages are appropriate.

Is it cheaper to buy online? The answer to that question is complicated since companies use quite a few components that impact your final bill. It’s logical to say that a customer who purchases direcly from an online company cuts out the middleman. But the reality is advertising and marketing take a lot of money so the rates may be similar to buying from an agent.

find Sparks NV insurance agents

What is YOUR best insurance company?

Insureds change insurance companies for a number of reasons such as unfair underwriting practices, poor customer service, high rates after DUI convictions and even not issuing a premium refund. Regardless of your reason for switching companies, finding a new company is not as hard as you think.

Lower-priced car insurance can be purchased online in addition to many Sparks insurance agents, and you need to price shop both so you have a total pricing picture. Some car insurance companies do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

More detailed Nevada car insurance information can be found at the Nevada Division of Insurance website. Nevada drivers can learn about insurance regulations, view a list of available companies, and get help finding coverage.

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