Your insurance company wants ALL of your business – auto, home, life and business – and they are willing to give you potentially huge discounts for combining your policies. For the average Nevada insurance consumer, the multiple policy or “package” discount ranges anywhere from 15% to 25% (depending on the particular insurance company an subject to other discounts already applied). For most consumers, it makes sense to have your auto insurance and homeowner (or renters, condo, townhome) insurance with the same insurance company.
There are, however, occasions where we might recommend not combining policies. If, for example, you have a few dings on your driving record, we may find it most economical to place your auto insurance with a carrier that specializes in higher-risk drivers. Many high-risk auto insurance carriers do not offer homeowner insurance. We sometimes also find that certain insurance companies are less competitive on older homes (over 25 years old) and will recommend a customer place the home and auto policies with different insurance companies for pricing reasons.
Our ability to provide you with a choice of policies from multiple insurance companies really illustrates the advantage of working with an Independent Agent. We truly work for you, not a particular insurance company. Our goal is to look out for your best interest and make sure we are providing true value – the best coverage at the best price. Contact us today for a no-obligation quote for all your insurance policies.