If you’re looking for an insurance agent in Lacey, Washington, you can always start your research by getting online comparison quotes rather than picking up the phone. For the sake of this article, we’ll assume you’re looking for an excellent agent, but you also want the lowest possible price.
With companies like Allstate, Farmers and State Farm as well as independent agents all competing for business in Lacey, it’s difficult to determine which one will provide you with the best service and rates. Fortunately, consumers can use insurance quotes online to get a list of insurance agents and price estimates.
Online quotes with a local Lacey insurance agent
Agents can answer important questions and help file insurance claims. One of the best bonuses of getting online price quotes is you may find the lowest rates and still have an agent to talk to. Supporting local agencies is important especially in Lacey.
To find an agent, once you fill out this quick form, your information is submitted to local insurance agents in Lacey who will compete for your coverage. There is no reason to even leave your home because quoted prices will be sent directly to your email. How cool is that?! Get lower rates and an insurance agent to talk to.
Lacey insurance agents are either independent or captive
When finding local Lacey agents, there are two types of agencies from which to choose. Insurance agencies in Lacey are classified as either independent or captive.
Independent Insurance Agents
Independent agents are not locked into one company so they have the ability to put coverage with many different companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part.
When searching for an agent, we recommend you include at a minimum one independent agency for the best price selection. They also have the ability to place coverage with smaller companies who may have lower rates.
Listed below is a short list of independent insurance agents in Lacey that can give you price quote information.
- Kevin K Turner Insurance – 4460 Pacific Ave SE # D – Lacey, WA 98503 – (360) 456-0419
- Pastore and Assoc Insurance Inc – 4705 Lacey Blvd SE – Lacey, WA 98503 – (360) 412-1255
Captive Insurance Agents
Captive agencies are contracted to one company such as Allstate, State Farm and Farmers Insurance. They are unable to provide prices from multiple companies so they have to upsell other benefits. Captive agencies are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums. Some people will only purchase coverage from captives mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.
Listed below are Lacey captive agencies that can give you comparison quotes.
- Farmers Insurance Group – 8205 Martin Way E # E254 – Lacey, WA 98516 – (360) 561-8382
For a full directory of captive insurance agents in Lacey, visit this site.
Choosing a car insurance agent requires more thought than just a cheap price. Any agent should be forthright in answering these questions:
- Which members of your family are coverage by the policy?
- What insurance company do they write the most business with?
- Are they full-time agents?
- Can glass repairs be made at your home?
- Does the agency provide any after hours assistance?
Upon receiving good answers to your questions in addition to an acceptable price estimate, most likely you have located an auto insurance agent that is a good match to provide car insurance coverage.
Aren’t online insurance companies like Geico cheaper?
Auto insurance agents are perfect for certain consumers, but Washington consumers also have the option to buy from companies direct over the internet. Some specific companies like Allstate and State Farm that are more known for using agents, also give you the ability to buy online, so this should also be taken into consideration and can also potentially find you lower rates.
If you’re uneasy about not receiving proper advice when buying car insurance direct, this is expected but don’t let that bother you. Auto insurance companies that allow you to purchase coverage provide customer service for customer questions.
Is auto insurance cheaper online? It’s difficult to say for sure since there are so many components that influence your rates. Common logic is that buying car insurance online saves the commission normally paid to an agent. In reality, getting their brand in front of customers is expensive so the lack of a commission may be a wash.
Additional car insurance information is available on the Washington State Office of the Insurance Commissioner website. Click here for link. Washington consumers can download brochures, find a variety of consumer forms, and file complaints about a company.
Keep this in mind
When trying to cut insurance costs, it’s very important that you do not reduce coverage to reduce premium. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at the best price, not the least amount of coverage.
Budget-conscious car insurance can be found from both online companies and with local Lacey insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.