Comparison Shop the Cheapest Car Insurance Rates From Agencies in Liberty

When pricing car insurance in Liberty, MO, you have many choices and choosing the right Liberty insurance agency takes more work than just randomly choosing from the yellow pages. You need a competent insurance agent, but also need the cheapest rates you can possibly find.

With consumers having so many companies to choose from, it can be challenging to pick the most cost effective car insurance company.

Car Insurance from Liberty insurance agents

Educated insurance agents can help determine the best coverages and give you peace of mind. The biggest benefit of getting online price quotes is that you can obtain the best rates but still work with a licensed agent.

Upon completion of this quick form, your insurance data is instantly submitted to companies in Liberty who will battle to get your business. You never need to visit any agencies as quotes are delivered directly to your email. It doesn’t get any easier! You can find better rates AND an agent nearby.

Picking an insurance agency should depend on more than just a cheap price. Any agent should have no problem answering these questions:

  • What will you get paid if your car is a total loss? How is that amount determined?
  • Is assistance available after office hours?
  • What insurance companies do they work with?
  • How are claims handled?
  • Are they able to influence company decisions when a claim is filed?
  • Are they properly licensed to sell insurance in Missouri?
  • Will their companies depreciate repairs to your car based on the mileage?

Captive and independent Liberty insurance agencies

When searching for a good Liberty insurance agent, you must know there are a couple types of agencies to choose from. Liberty agents can either be captive or independent.

Captive Agents

Captive agencies work for only one company such as American Family, State Farm and Allstate. Captives cannot shop your coverage around so always compare other rates. They receive extensive training on their products and sales techniques which can be an advantage. Consumers sometimes buy insurance from these agents primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.

Below is a short list of captive insurance agencies in Liberty that are able to give price quotes.

  • Farm Bureau Insurance – 944 Sutton Pl – Liberty, MO 64068 – (816) 781-4370
  • Allstate Insurance Co – 1512 Highway A – Liberty, MO 64068 – (816) 415-0700
  • Farmers Insurance Group – 601 S State Route 291 – Liberty, MO 64068 – (816) 792-1415
  • Shelter Insurance – 1201 Landmark Ave – Liberty, MO 64068 – (816) 781-9141
  • State Farm Insurance – 6 Victory Dr – Liberty, MO 64068 – (816) 792-1855
Independent Agents (or Brokers)

These agents do not work for one specific company so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent. When shopping rates, we recommend you include price quotes from at a minimum one independent agency for maximum quote selection. They also have the ability to place coverage with smaller regional carriers which can save you money.

The following are independent insurance agents in Liberty that are able to give rate quotes.

  • Farm Bureau Insurance – 944 Sutton Pl – Liberty, MO 64068 – (816) 781-4370
  • Prudential Insurance Co – 502 Nottingham Pl – Liberty, MO 64068 – (816) 792-3350
  • G M Peters Agency Inc – 11 N Water St – Liberty, MO 64068 – (816) 781-4922
  • Bill Petty Agency – 404 S Ridge Ave – Liberty, MO 64068 – (816) 781-9000
  • J C Rupp Agency – 1 Victory Dr # 202 – Liberty, MO 64068 – (816) 792-5560

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

Once you have received positive responses and a good coverage price, you may have just found an insurance agency that can provide car insurance coverage.

Do online auto insurance companies have better rates?

Insurance agents are perfect for certain consumers, but you also have the option of buying Missouri car insurance from online companies direct. Some specific companies, such as Farmers Insurance and State Farm, who have local Liberty agents also give you the ability to buy a policy online, so keep that in mind if you are the do-it-yourself type.

If you’re concerned about not receiving proper advice when buying direct, that should not be a issue. Car insurance companies that require consumers to choose their own coverages have customer service departments to answer your questions. You can also use 24/7 live help and a car insurance FAQ section to help with the buying process.

Will buying online save you money? Many people swear by it, but it’s difficult to answer since there are so many factors that impact your rate calculation. Some people think that buying online saves the cost of an agent commission. But in most cases, getting their brand in front of customers is expensive and that impacts the rates consumers pay.

Even more information can be read at the Missouri Department of Insurance website. Missouri consumers can file complaints about an insurance agent or broker, report car insurance fraud, and find out industry alerts.

Other related articles:

Missouri insurance agents

Smart consumers save more

People change insurance companies for a number of reasons such as poor customer service, unfair underwriting practices, high prices or extreme rates for teen drivers. It doesn’t matter what your reason, finding a new car insurance company is easier than you think.

Affordable car insurance is possible on the web as well as from independent agents in Liberty, so you should compare both so you have a total pricing picture. Some insurance providers don’t offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.