Compare Car Insurance Pricing From Muncie Agents

To locate a good insurance agent in Muncie, IN, it’s recommended you start your research by comparing prices online rather than looking in the yellowpages. You need a decent agent, and also want to find the lowest rates in Muncie.

Since consumers have many choices, it is very difficult to find the lowest price company.

Your insurance agent down the street

Good agents can answer important questions and help in the event of a claim. The biggest benefit of getting online price quotes is that you can obtain the lowest rates and still choose a local agent.

To find an agent, once you fill out this short form, your coverage information gets sent to insurance agents in Muncie who will battle for your business. There is no reason to leave your house since price quotes are sent directly to your email. How’s that for easy! You’ll get the best rates AND a local agent.

Selecting a car insurance agent should depend on more than just a cheap price. Some important questions to ask are:

  • Are claim adjusters local or do you have to take your car somewhere else?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • If they are an independent agency, which companies do they recommend?
  • Does the agency support the community they serve?
  • How often do they review policy coverages?

Captive and independent Muncie insurance agencies

When searching for an insurance agent, you need to know there are two different types of agents to choose from. Muncie agents are classified as either captive or independent.

Captive Insurance Agents

Captive insurance agents work for only one company and some examples include Allstate, Farmers Insurance or State Farm. They generally cannot place coverage with different providers so it’s a take it or leave it situation. Captive agencies are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.

The following is a short list of captive agencies in Muncie who may provide you with price quote information.

Allstate Insurance – 804 W White River Blvd – Muncie, IN 47303 – (765) 288-2880
State Farm Insurance – 2901 N Granville Ave – Muncie, IN 47303 – (765) 284-7020
Farm Bureau Insurance – 6100 N State Road 67 – Muncie, IN 47303 – (765) 289-3466
Shelter Insurance – 3621 N Everbrook Ln # B – Muncie, IN 47304 – (765) 284-6033
American Family Insurance – 3201 E Jackson St – Muncie, IN 47303 – (765) 281-1955
Farmers Insurance Group – 4210 N Broadway Ave – Muncie, IN 47303 – (765) 288-8277

Independent Agencies or Brokers

These agents do not work for one specific company so they have the ability to put coverage amongst many companies and potentially find a lower price. To transfer your coverage to a different company, your agent can switch companies and you won’t have to switch agencies.

When searching for an agent, it’s a good idea to include at a minimum one independent agency for maximum quote selection.

Shown below are Muncie independent insurance agents that can give you price quotes.

Amy R Rose Agency – 3319 N Everbrook Ln – Muncie, IN 47304 – (765) 284-7283
Richie Insurance Inc – 3804 N Wheeling Ave – Muncie, IN 47304 – (765) 289-0387
Stafford Insurance – 3618 W Fox Ridge Ln – Muncie, IN 47304 – (765) 284-4416
Walter Hollowell Agency – 3804 N Wheeling Ave – Muncie, IN 47304 – (765) 284-1433

For a full directory of insurance agents in Muncie, go to this page.

Once you have reasonable responses to these questions in addition to an acceptable price estimate, you may have just found an auto insurance agent that will properly service your car insurance policy.

Does buying direct online get me lower rates?

Insurance agencies are perfect for certain consumers, but Indiana drivers can also buy from online companies direct. A few companies like Allstate and State Farm who have local agents in Muncie also give you the option to quote and buy online, and online price comparisons are easy if you prefer to buy online.

If you’re anxious about selecting your own policy coverages when buying online, this is expected but don’t let that bother you. Online insurance companies provide access to licensed agents to walk you through the process. Most companies also provide extensive coverage information and 24/7 assistance to help you make a buying decision.

best Muncie IN agent

Do people save by buying online? It’s hard to say exactly because of the number of factors that influence your rates. It’s a logical assumption that buying car insurance online saves money because there is no commission. But in reality, there are high advertising and marketing costs so there may not be significant savings.

Do the work, save more money

Low-cost car insurance is possible on the web and also from your neighborhood Muncie agents, and you should be comparing both to have the best rate selection. A few companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Insureds leave their current company for any number of reasons including policy cancellation, policy non-renewal, being labeled a high risk driver or delays in paying claims. It doesn’t matter what your reason, finding the right car insurance provider is easier than you think.

Additional reading for car insurance information

Even more information is located at the Indiana Department of Insurance website. Indiana consumers can read state legal mandates and laws, discover disciplinary actions, download brochures, and report car insurance fraud.