To locate a good insurance agent in Moscow, ID, you can do the preliminary legwork by comparing prices online to save yourself time. Consumers need an excellent agent, but also affordable rates.
Lots of insurance agencies contend for your insurance dollar, and it can be difficult to compare rates to get the best price available.
Car Insurance from Moscow insurance agents
Licensed agents are trained to spot inefficiencies and give you peace of mind. One of the best bonuses of price shopping on the web is you may find the lowest rates and still have an agent to talk to.
Once you complete this quick form, your insurance data is immediately sent to agents in your area who will return price quotes for your coverage. There is no reason to drive around since price quotes are sent straight to your inbox. How cool is that?!
Deciding on an insurance agency needs to be determined by more than just a low price. Agents should be asked these questions:
- Do they feel the quoted coverages are adequate?
- Which insurance companies are they affiliated with?
- Who is covered by the car insurance policy?
- Can they give you a list of client referrals?
- Does the agency support the community they serve?
- How much will you save each year by using a higher deductible?
Choose the right insurance agent
If you’re trying to find a good insurance agency, there are two types of insurance agents that differ in how they can insure your vehicles. Agencies in Moscow are categorized either captive or independent (non-captive). Either one can write coverage properly, but it’s good to learn how they are different because it can impact your selection of an agent.
Captive Insurance Agents
This type of agents can only write with one company such as State Farm or Allstate. These agents are not able to place coverage with different providers so keep that in mind. Captive agents are well schooled on their company’s products and that can be a competitive advantage.
Below is a short list of captive agents in Moscow that are able to give price quote information.
State Farm Insurance – 116 W C St – Moscow, ID 83843 – (208) 882-3431
Farm Bureau Insurance – 530 S Asbury St # 3 – Moscow, ID 83843 – (208) 882-1531
Allstate Insurance – 106 S Washington St – Moscow, ID 83843 – (208) 883-8833
Independent Agencies or Brokers
Independent insurance agents are not employed by any specific company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and you don’t have to find a new agent. When shopping rates, it’s a good idea to include price quotes from several independent insurance agents to have the most options to choose from.
The following is a list of independent agents in Moscow who can help you get price quote information.
Dahmen Insurance Inc – 106 N Main St – Moscow, ID 83843 – (208) 882-4547
David A Uberuaga Insurance – 104 E 6th St – Moscow, ID 83843 – (208) 883-0738
For a full directory of licensed insurance agents in Moscow, please click here.
After getting answers to your satisfaction to these questions and an acceptable price quote, most likely you have located a car insurance agent that will insure your vehicles.
Include online companies when price shopping
Insurance agencies are a valuable resource, but Idaho consumers also have the option to buy from online companies direct. Some specific companies like State Farm and Allstate who sell through agents in Moscow additionally provide the ability to get quotes and purchase online, and online price comparisons are easy.
If you’re uneasy about choosing your own coverages, that should not be a issue. Online companies that allow you to purchase coverage provide toll-free numbers for getting questions answered.
Are online rates lower? It’s difficult to say for sure because there are many factors that determine your policy premium. It would make sense to think that shopping direct saves the commission normally paid to an agent. But the reality is the cost of constant advertising is expensive so the lack of a commission may be a wash.
When trying to find the best rates, the only way to determine if prices are better online or from an agent is making fair comparisons of each of their rates. You can actually get different rates from the exact same provider when they get quotes from both.
Even more information can be read at the Idaho Department of Insurance website. Visitors are able to read industry bulletins, report car insurance fraud, find out industry alerts, and learn about specific coverages.
Compare but don’t skimp
Consumers change insurance companies for a variety of reasons including policy cancellation, not issuing a premium refund, lack of trust in their agent and even delays in paying claims. Regardless of your reason, finding a great new company is not as difficult as it may seem.
As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped full coverage only to find out that it was a big mistake. Your strategy should be to purchase plenty of coverage at the best price.