Lowest Prices from Las Vegas, NV Auto Insurance Agencies

When pricing auto insurance in Las Vegas, Nevada, choosing the right Las Vegas auto insurance agent is more difficult than just calling the closest agent. It’s likely you require not only a good agent, but you also want to find affordable coverage.

With insurance companies like State Farm, Allstate and Farmers Insurance having local Las Vegas offices, consumers have a hard time knowing which car insurance agent will provide the lowest rates and best service. Thankfully, it’s easy to use online price quotes in order to build a list of insurance agencies from which to choose.

Car Insurance from Las Vegas insurance agents

Insurance agents can answer important questions and help file insurance claims. The best thing about price shopping on the web is you may find better rates and still have an agent to talk to. Buying from local insurance agencies is especially important in Las Vegas.

To make it easy to find an agent, after completing this simple form, the quote information is submitted to companies in Las Vegas who will give you bids for your business. You never need to leave your house due to the fact that quote results will go directly to your email. How cool is that?! You’ll get the best rates without the usual hassles of price shopping.

Types of auto insurance agents in Las Vegas

If you’re trying to find a reputable insurance agent or broker, there are a couple of different agency structures that you can select. Agencies in Las Vegas can either be independent or captive.

Independent Insurance Agents

These agents do not work for one specific company so they have the ability to put coverage with lots of companies and potentially find a lower price. If your agent finds better pricing, the business is moved internally and that require little work on your part. When comparing rates, you should always include price quotes from at a minimum one independent agency for maximum quote selection.Most can insure with smaller regional carriers which can save you money.

Shown below are Las Vegas independent agents that may be able to provide comparison quotes.

  • Andes Insurance Svc Inc – 1501 S Maryland Pkwy – Las Vegas, NV 89104 – (702) 646-3800
  • Eileen Vaughn Agency – 3993 Howard Hughes Pkwy # 350 – Las Vegas, NV 89109 – (702) 242-3288
  • Betsy Van Noy Agency – 8540 S Eastern Ave # 160 – Las Vegas, NV 89123 – (702) 795-7710
  • Rivlin Insurance – 8889 S Eastern Ave # E – Las Vegas, NV 89123 – (702) 270-4706
  • Christensen-Gonzalez Agency – 2208 S Nellis Blvd # 4 – Las Vegas, NV 89104 – (702) 431-7500
Agency Captives

These agents can only write with one company like Farmers Insurance or State Farm. These agents are unable to shop your coverage around so keep that in mind. Captive agents are well schooled on their company’s products which helps them compete with independent agents. Some people will only purchase coverage from captives mostly because of loyalty to the company and the convenience of having all coverages with one company.

Below is a short list of captive insurance agents in Las Vegas willing to provide rate quotes.

  • Liberty Mutual Insurance – 6985 W Sahara Ave # 105 – Las Vegas, NV 89117 – (702) 367-0541
  • American Family Insurance – 8410 W Cheyenne Ave – Las Vegas, NV 89129 – (702) 451-2221
  • Allstate Insurance – 1017 S Cimarron Rd – Las Vegas, NV 89145 – (702) 873-6015
  • Farmers Insurance Group – 4974 E Sahara Ave # 11 – Las Vegas, NV 89104 – (702) 798-8113
  • State Farm Insurance – 1930 Village Center Cir # 2 – Las Vegas, NV 89134 – (702) 869-6600

For a complete listing of captive insurance agencies in Las Vegas, visit this site.

Selecting an insurance agency shouldn’t rely on just the premium amount. Any agent should have no problem answering these questions:

  • Are they full-time agents?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • How much can you save by raising your physical damage deductibles?
  • Do they regularly work with personal auto policies?
  • How long have they worked with personal auto insurance coverage?

After receiving satisfactory answers for all questions you ask and an affordable coverage quote, most likely you have located an insurance agent that is a good match to insure your vehicles.

What is the best insurance coverage?

When it comes to buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every situation is different.

These are some specific questions can aid in determining if your situation might need professional guidance.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Is business equipment covered while in my vehicle?
  • Am I covered by my spouse’s policy after a separation?
  • What can I do if my company won’t pay a claim?
  • Should I buy only the required Nevada minimum liability coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Does my vehicle qualify for pleasure use?

If you don’t know the answers to these questions, you might consider talking to an insurance agent.

Don’t forget about online-only companies

Professional insurance agents can be invaluable at times, but you also have the option of buying Nevada car insurance from online companies direct. Some specific companies who have local agents in Las Vegas also give you the option to get quotes and purchase online, and online price comparisons are easy as an alternative to contacting agents.

If you’re uneasy about not having professional advice, this really isn’t an issue. Insurance companies that require consumers to choose their own coverages provide phone numbers and online resources to help you decide which coverages are appropriate. Consumers also can use live help and 24/7 access to clarify any questions you may have.

Are online companies cheaper? That question is hard to answer because there are many components that are calculated into your premium. It’s a common assumption that going direct saves money by not requiring a commission. But the reality is there are high advertising and marketing costs and that can quickly cost more than paying an agent.

Buy online or local, you save

The cheapest auto insurance can be found online as well as from independent agents in Las Vegas, and you should be comparing both to have the best selection. Some auto insurance companies don’t offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Insureds leave their current company for a number of reasons such as extreme rates for teen drivers, questionable increases in premium, not issuing a premium refund or lack of trust in their agent. Regardless of your reason, finding the right auto insurance provider is actually quite simple.

Additional auto insurance information is available on the Nevada Division of Insurance website through this link. Consumers can download brochures, learn about insurance regulations, and report car insurance fraud.

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