Selecting a auto insurance company in Scottsbluff, Nebraska can be time consuming since there are a lot of options and choosing the right Scottsbluff insurance agency is more difficult than just driving to the closest agent’s office. There is a good chance you’re looking for an excellent agent, but you also want to find great rates as well.
With insurance companies like independent agents, Allstate and State Farm all competing for business in Scottsbluff, it’s hard to tell which auto insurance agent will give you the best service and rates. To begin, consumers can use online quotes in order to build a list of insurance agents from which to choose.
Car Insurance through a local Scottsbluff agent
Agents are trained to spot inefficiencies and give you someone to call. One of the great benefits of comparing insurance prices online is you can get the lowest rates and still have an agent to talk to. Buying from local agencies is definitely important in Scottsbluff.
To make it easy to find an agent, after completing this simple form, your information is submitted to insurance agents in Scottsbluff who will battle for your insurance coverage. There is no need to visit any agencies as quotes are delivered to the email address you provide. Now that’s easy! Get lower rates AND a local agent.
Multiple types of insurance agencies in Scottsbluff
When finding local Scottsbluff agents, you must know there are a couple types of agencies to choose from. Insurance agencies in Scottsbluff are either independent (non-captive) or captive.
Independent Agents
Independent agents are not employed by any specific company so they can insure your vehicles with many different companies depending on which coverage is best. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part. When searching for an agent, it’s a good idea to include price quotes from at a minimum one independent agency to have the most options to choose from. They also have the ability to place coverage with smaller regional carriers which may provide better rates.
Below is a list of independent insurance agents in Scottsbluff that can give you price quotes.
- Federal Crop Agency – 1008 Avenue I – Scottsbluff, NE 69361 – (308) 632-7940
- Bob Armstrong Lutcf Insurance – 118 W 18th St # 3 – Scottsbluff, NE 69361 – (308) 632-5575
- Gilbaugh Agency LLC – 2002 Broadway – Scottsbluff, NE 69361 – (308) 632-7262
- Insurance Store – 2626 Broadway – Scottsbluff, NE 69361 – (308) 632-4045
- H E Ferguson Agency Inc – 3321 Avenue I # 5 – Scottsbluff, NE 69361 – (308) 632-6915
Agency Captives
Captive agencies can only write with one company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They are unable to give you multiple price quotes so they have to upsell other benefits. Captive agents are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums. Consumers frequently buy from captive agents partially due to high brand loyalty and solid financial strength.
Listed below is a short list of captive insurance agents in Scottsbluff willing to provide comparison quotes.
- Farmers Insurance Group – 1720 Portal Pl – Scottsbluff, NE 69361 – (308) 632-3225
- Farm Bureau Insurance – 1720 2nd Ave – Scottsbluff, NE 69361 – (308) 635-8005
- American Family Insurance – 2001 Broadway # 1a – Scottsbluff, NE 69361 – (308) 632-8701
- Shelter Insurance – 1501 2nd Ave – Scottsbluff, NE 69361 – (308) 635-3445
For a full directory of auto insurance agents in Scottsbluff, please view this page.
Picking an insurance agency requires more thought than just the bottom line cost. Ask your prospective agent these questions:
- Do they regularly work with personal auto policies?
- Are they able to influence company decisions when a claim is filed?
- If you are a high risk driver, do they have special markets for your coverage?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Is their price quote a firm figure or are their hidden costs?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Will their companies depreciate repairs to your car based on the mileage?
Upon receiving positive responses to your questions and a low price estimate, you’ve probably found an insurance agent that is a good match to insure your vehicles.
But what about buying from online companies?
Insurance agents are perfect for certain consumers, but you also have the option of buying direct over the internet. Certain auto insurance companies like State Farm and Allstate who have local agents in Scottsbluff also allow consumers to quote and buy online, so this should also be taken into consideration as an alternative to contacting agents.
If you’re worried about not getting advice from an agent when shopping online, don’t let it bother you. Companies have toll-free phone numbers and other options you can use to get advice on coverages. They also have 24/7 live help and a car insurance FAQ section to clarify any questions you may have.
When trying to find the best rates, the only way to determine who has the best rates, online companies or local insurance agents, is comparing prices for both of them. It’s even possible to receive different pricing when getting a price from both an agent and online from the same car insurance company.
Can buying online lower your premiums? It’s hard to say exactly due to the fact that there are multiple individual factors that are calculated into your premium. Many people think that going direct saves money because there is no commission. But the fact is, marketing their products costs a lot of money and that can cost more than having to pay agents.
Online plus local equals savings
People change insurance companies for any number of reasons including delays in paying claims, not issuing a premium refund, denial of a claim and even being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new company can be easier than you think.
While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where someone dropped physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.
Additional auto insurance information is located on the Nebraska Department of Insurance website. Click here for link. Nebraska drivers can read enforcement actions against agents and companies, find a variety of consumer forms, find out which companies have the most complaints, and learn about specific coverages.
