Bartlesville Car Insurance Agents – Things you Need to Know

To locate a licensed insurance agent in Bartlesville, you can always do the preliminary legwork on the internet in order to save time. Consumers need a highly trained agent, and also cheap rates.

With consumers having so many different company options, it is hard for the average consumer to locate the lowest cost provider.

Quote online but still have a local agent

Licensed agents are trained to spot inefficiencies and help submit paperwork. The biggest benefit of comparing rates online is you can get the lowest rates and still choose a local agent.

Once you complete this quick form, the coverage information is emailed to companies in Bartlesville who will return price quotes for your business. There is no reason to even leave your home since price quotes are sent directly to your email. How cool is that?! You can find better rates AND a local agent.

Choosing a car insurance agent shouldn’t rely on just the bottom line cost. Some important questions to ask are:

  • Do they receive special compensation for putting your coverage with one company over another?
  • How long has their agency been open in Bartlesville?
  • If your car is totalled, how to they determine the replacement cost?
  • Can they provide you with a list of referrals?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Does the company allow you to choose your own collision repair facility?
  • Who is covered by the car insurance policy?

The different types of insurance agents

When searching for a reputable insurance agent or broker, there are two different agency structures to choose from. Agents are either independent or captive.

Captive Insurance Agents

This type of agents are contracted to one company such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. They usually cannot shop your coverage around so they have to upsell other benefits. They are trained well on their company’s products which can be an advantage. Consumers often purchase coverage from captives mostly because of the brand legacy and solid financial strength.

Below are captive agents in Bartlesville who can help you get comparison quotes.

  • State Farm Insurance – 532 SE Washington Blvd – Bartlesville, OK 74006 – (918) 333-1487
  • Allstate Insurance Co – 110 SE Frank Phillips Blvd – Bartlesville, OK 74003 – (918) 337-2746
  • Farmers Insurance Group – 111 SE Frank Phillips Blvd – Bartlesville, OK 74003 – (918) 336-4591
  • Shelter Insurance – 505 E 3rd St – Bartlesville, OK 74003 – (918) 337-0040
  • Farm Bureau Insurance – 1212 SE Frank Phillips Blvd – Bartlesville, OK 74003 – (918) 336-1355
Independent Agents

Independent agencies are not locked into one company but rather can write business with any number of different companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally and you don’t have to find a new agent.

When comparing rates, we recommend you contact at a minimum one independent agency to get the best comparison.Most can insure with smaller regional carriers which can save you money.

Shown below is a list of independent insurance agents in Bartlesville who can help you get comparison quotes.

  • Prudential Insurance Co – 300 S Shawnee Ave – Bartlesville, OK 74003 – (918) 336-1865
  • Schwegman Insurance – 300 S Shawnee Ave – Bartlesville, OK 74003 – (918) 336-1800

To view a full list of car insurance agents in Bartlesville, visit this link.

Once you have answers to your satisfaction to any questions you have and a low price estimate, it’s possible that you found a car insurance agent that can provide car insurance coverage.

Don’t exclude online companies

Insurance agents are perfect for certain consumers, but you can also find affordable Oklahoma auto insurance direct from companies online. A few companies who have local Bartlesville agents also allow consumers to get quotes and purchase online, and that can save time if you don’t want to take the time to contact agents.

If you’re uneasy about not getting proper coverage when shopping online, that shouldn’t be an issue. Online insurance companies that allow you to purchase coverage all have client service departments to help you decide which coverages are appropriate.

Can you find lower rates online? It’s hard to say exactly because there are many components that influence the price you pay. It’s a common assumption that a shopper who purchases direct saves by not paying a commission. In many cases, online and traditional media advertising are expensive so rates may not be all that different from traditional agents.

Final thoughts

People leave their current company for many reasons like unfair underwriting practices, denial of a claim, an unsatisfactory settlement offer and even policy cancellation. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

Cheap car insurance can be sourced online as well as from independent agents in Bartlesville, and you should compare price quotes from both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

best Bartlesville insurance agency

More information about car insurance

Additional detailed information is located at the Oklahoma Insurance Department website. Oklahoma drivers can download brochures, get help finding coverage, find disaster information, and file complaints about an insurance agent or broker.

Other informative sites include’s Car Insurance: When not to Skimp and this page of insurance agents in Bartlesville.