Selecting a auto insurance company in Kokomo, Indiana can be time consuming since choosing the right Kokomo insurance agency is not as easy as just using the same car insurance agent as your neighbor. It’s assumed you not only want a good agent, but you also need the best rates possible.
With insurance companies like Allstate, Farmers, State Farm and many independent agents all competing for business in Kokomo, it’s difficult to determine which insurance agency will provide the lowest rates and best service. To help decide, consumers can use online price quotes to assemble a group of insurance agents from which to choose.
Quote online but work with a neighborhood agent
Good agents can point out coverage gaps and help you file claims. The best thing about comparing insurance prices online is you can get lower rates but also keep your business local. Buying from local insurance agencies is important especially in Kokomo.
To make it easy to find an agent, after completing this short form, the coverage information gets sent to insurance agents in Kokomo who will give you bids for your coverage. There is no need to leave your house due to the fact that quote results will go immediately to your email address. How cool is that?!
The difference between Kokomo auto insurance agents
If you’re trying to find a good insurance agency, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Insurance agencies in Kokomo are classified as either independent (non-captive) or captive. Both insure your vehicles, but it’s good to learn how they differ because it can impact your agent selection.
Independent Insurance Agents
These agents are not locked into one company but instead can place your coverage with lots of companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies and that require little work on your part. When searching for an agent, we recommend you get quotes from several independent insurance agents to ensure the widest selection of prices. Most have the option of insuring with smaller companies which can be an advantage.
The following is a short list of independent agencies in Kokomo that can give you pricing information.
- David Akers Agency – 310 E Markland Ave – Kokomo, IN 46901 – (765) 457-0703
- Carney Agency – 3103 S Webster St – Kokomo, IN 46902 – (765) 864-7000
- Dillon Insurance – 207 N Dixon Rd – Kokomo, IN 46901 – (765) 452-2220
- Agency Association Inc – 1830 S Plate St – Kokomo, IN 46902 – (765) 626-0105
- Carl Ellis Insurance – 1015 S Washington St – Kokomo, IN 46902 – (765) 457-0116
Captive agencies work for only one company like Allstate, State Farm and Farmers Insurance. These agents are not able to place coverage with different providers so they have to upsell other benefits. These agents receive extensive training on their company’s products which helps them compete with independent agents. Consumers sometimes purchase coverage from captives mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.
Below is a short list of captive insurance agents in Kokomo that are able to give comparison quotes.
- Allstate Insurance – 405 E Southway Blvd # 104 – Kokomo, IN 46902 – (765) 453-7272
- Farm Bureau Insurance – 3505 S Lafountain St – Kokomo, IN 46902 – (765) 453-0110
- American Family Insurance – 3140 S Lafountain St – Kokomo, IN 46902 – (765) 455-2041
- State Farm Insurance – 511 W Lincoln Rd – Kokomo, IN 46902 – (765) 453-5030
- Shelter Insurance – 527 E Lincoln Rd – Kokomo, IN 46902 – (765) 453-1455
For a full directory of captive insurance agencies in Kokomo, visit this link.
Picking an insurance agency needs to be determined by more than just the price. Some important questions to ask are:
- Can they provide you with a list of referrals?
- Do they feel the quoted coverages are adequate?
- Do they regularly work with personal auto policies?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Does the agency support the community they serve?
- Are they properly licensed to sell insurance in Indiana?
- Is their price quote a firm figure or are their hidden costs?
After receiving acceptable answers to these questions and a low price estimate, chances are good that you have found an insurance agent that can properly insure your vehicles.
Isn’t it cheaper to buy from online companies like GEICO?
Licensed agents are important to many people, but you can also find affordable Indiana auto insurance direct from companies online. Even companies who sell through agents in Kokomo also give you the ability to buy direct online, and that is helpful if you’re trying to lower your rates.
If you’re uneasy about selecting your own policy coverages, don’t sweat it. Insurance companies that allow you to purchase coverage provide options for getting questions answered.
If the lowest price is important, the best way to know whether prices are lower online or from agents is making fair comparisons of each of their rates. You may actually get a different price from the SAME company when they use both methods. It’s not possible to know which way will be cheaper unless you compare quotes for identical coverages both ways.
Does coverage cost less online? That is a tough question to answer since companies use quite a few components that impact your premium. Some people think that shopping direct saves money because there is no commission. For most companies selling online, however, promoting brand recognition is pricey so there may not be significant savings.
Much more information about auto insurance in Indiana is located on the Indiana Department of Insurance website located here. Consumers can file complaints about a company, report car insurance fraud, find out industry alerts, and get help finding coverage.
As you shop your coverage around, make sure you don’t buy poor coverage just to save money. In too many instances, someone dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.
Insureds leave their current company for a variety of reasons including high rates after DUI convictions, unfair underwriting practices, high prices and delays in responding to claim requests. Whatever your reason, switching companies is not as difficult as it may seem.