Wish you could get out of an expensive auto insurance policy? You're preaching to the choir because there are lots of Reno residents who feel the same.

It's hard to believe, but the majority of drivers kept their coverage with the same auto insurance company for a minimum of four years, and nearly the majority have never taken the time to shop around. With the average auto insurance premium being $1,600, Nevada drivers could save an average of $545 each year just by comparing rates, but they just feel it's too hard to go online and compare rates. Many car insurance companies compete to insure your vehicles, so it's not easy to compare every company to get the best rate on auto insurance.

Smart consumers take time to price shop coverage occasionally because auto insurance prices trend upward over time. If you had the lowest rates on auto insurance a few years ago the chances are good that you can find a lower rate quote today. Ignore everything you know about auto insurance because you're about to find out one of the best ways to reduce your cost while improving coverage.

If you're already insured or are looking for a new policy, you can use this information to find better prices without reducing coverage. Buying the cheapest car insurance in Reno is actually quite simple. Shoppers just need to know the proper way to compare different rates online.

Car insurance companies in Reno

The car insurance companies shown below are our best choices to provide comparison quotes in Reno, NV. If multiple providers are shown, we suggest you visit several of them to get a more complete price comparison.

Get discounts to get affordable Reno car insurance rates

Insurance can be prohibitively expensive, but there may be some discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but a few must be asked about prior to getting the savings.Cheaper car insurance with discounts

A quick disclaimer, most of the big mark downs will not be given to all coverage premiums. Some only apply to the price of certain insurance coverages like comp or med pay. If you do the math and it seems like you could get a free car insurance policy, nobody gets a free ride. Any qualifying discounts will help lower your car insurance premiums.

A partial list of companies that have these money-saving discounts may include but are not limited to:

Before you buy a policy, ask every prospective company which discounts can lower your rates. Some credits may not apply everywhere. If you would like to see a list of companies that offer multiple discounts in Reno, click this link.

Buying insurance from Reno auto insurance agents

Many drivers just prefer to talk to an insurance agent and that can be a smart move Experienced insurance agents are trained to spot inefficiencies and will help you if you have claims. The best thing about comparing insurance online is that you can find lower car insurance rates and still have a local agent.

Once you complete this simple form, the coverage information is transmitted to companies in Reno who want to provide quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to even leave your home as quotes are delivered to you instantly. In the event you want to quote rates for a specific company, you can always visit that company's website and submit a quote form there.

Finding the right insurer should include more criteria than just a cheap quote. Here are some questions to ask:

If you are searching for a local agent, there are two types of insurance agents and how they differ in how they quote coverages. Insurance agencies are categorized either independent or exclusive. Both types of agents can provide insurance policies, but it's a good idea to understand the difference in how they write coverage because it can impact buying decisions.

Exclusive Agents

These agents are contracted to one company and examples are AAA, Allstate, State Farm, or Farmers Insurance. They are unable to compare rates from other companies so they have to upsell other benefits. Exclusive agents are usually well trained on what they offer which helps offset the inability to provide other markets.

The following is a list of exclusive agents in Reno who can help you get price quote information.


4792 Caughlin Pkwy #204 - Reno, NV 89519 - (775) 827-1965 - View Map


1055 N Hills Blvd Ste A2 - Reno, NV 89506 - (775) 525-5901 - View Map


918 W 2nd St - Reno, NV 89503 - (775) 827-6624 - View Map

More Reno agents

Independent Insurance Agents

Agents that choose to be independent can quote rates with many companies so they can insure your vehicles with any number of different companies and find the cheapest insurance rates. If they quote lower rates, your agent can switch companies and the insured can keep the same agent. If you are comparing insurance prices, you should always check rates from several independent insurance agents in order to have the best price comparison.

Shown below are independent insurance agents in Reno who can help you get price quotes.


685 E Moana Ln - Reno, NV 89502 - (775) 825-5862 - View Map


491 Court St - Reno, NV 89501 - (775) 499-5988 - View Map


7025 Longley Ln #60 - Reno, NV 89511 - (775) 827-1400 - View Map

More Reno agents

Tricks in car insurance advertising

Consumers can't get away from ads for car insurance savings by Allstate, GEICO and Progressive. They all convey the message that drivers will save a bundle if you switch your car insurance coverage to their company.

How can each company have lower policy pricing? It's all in the numbers.

All the different companies can use profiling for the type of customer that earns them a profit. For example, a profitable customer should be between the ages of 30 and 50, is a homeowner, and has a short commute. Anybody that fits those parameters may get the lowest premium rates in Reno as well as cut their car insurance rates if they switch.

Insureds who don't meet this stringent profile may be forced to pay more expensive rates and this results in the prospect going elsewhere. The wording the ads use say "customers who switch" not "everyone who quotes" save that much money. That is how insurance companies can make the claims of big savings. Because of these techniques, you really need to compare quotes as often as possible. It's just not possible to know the company that will have the best prices for your profile.

Don't give up on cheaper rates

Throughout this article, we presented quite a bit of information on how to find cheaper coverage online. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers could even find that the lowest priced insurance comes from a company that doesn't do a lot of advertising. These companies often have lower rates on specific markets than their larger competitors like Allstate and Progressive.

As you go through the steps to switch your coverage, don't be tempted to buy less coverage just to save a little money. There are many occasions where an insured dropped full coverage only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to get the best coverage possible at the best cost while still protecting your assets.

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