Consumers Guide to Finding a Garden City Car Insurance Agent

Comparing car insurance companies in Garden City, Kansas can be challenging because there are a lot of options and choosing the right Garden City insurance agency is not as easy as just calling the closest agent. For this article’s sake, it’s assumed you’re looking for a competent insurance agent, but you also want to find great rates as well.

With companies like Farmers, Allstate, and independent agents having offices in Garden City, it’s difficult to determine which car insurance agent will provide the lowest rates and best service. To help decide, consumers can get online price quotes to build a list of agencies from which to choose.

How to compare Garden City car insurance rates

Licensed agents can answer important questions and give you peace of mind. The best thing about price shopping on the web is you can get lower rates but still work with a licensed agent. And providing support for small agencies is especially important in Garden City.

After filling out this form (opens in new window), your insurance data is transmitted to local insurance agents who will battle for your insurance coverage. You never need to leave your house since price quotes are sent to your email. Now that’s easy! It’s the lowest rates without the usual hassles of price shopping.

Independent or Captive: It’s your choice

When finding a local agent, there are a couple of different agency structures from which to choose. Agents can either be captive or independent (non-captive).

Independent Insurance Agents

Independent insurance agents are not required to write business for one company but instead can place your coverage with any number of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies. When shopping rates, it’s a good idea to include price quotes from several independent insurance agents to ensure the widest selection of prices.

Below are Garden City independent insurance agencies who may be able to give you comparison quotes.

Keller-Leopold Insurance – 302 Fleming St # 1 – Garden City, KS 67846 – (620) 276-7671
Agency – 118 E Chestnut St – Garden City, KS 67846 – (620) 275-7871
Neil Hawley Agency Inc – 108 W Kansas Ave – Garden City, KS 67846 – (620) 275-6833
Bud Mullen Agency Inc – 409 Campus Dr # 104 – Garden City, KS 67846 – (620) 276-2280
Prudential Insurance Co – 116 E Chestnut St # 102 – Garden City, KS 67846 – (620) 272-0101

Agency Captives

These agents can only place business with one company and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. Captives cannot provide prices from multiple companies so always compare other rates. These agents are well schooled on their products and sales techniques and that can be a competitive advantage.

Below are Garden City captive insurance agents who can help you get price quotes.

Farmers Insurance Group – 1021 Fleming St # F – Garden City, KS 67846 – (620) 275-2863
State Farm Insurance – 2604 N Pearly Jane Ave – Garden City, KS 67846 – (620) 276-5500
Shelter Insurance – 1809 E Mary St – Garden City, KS 67846 – (620) 271-9631
Farm Bureau Insurance – 1707 E Maggie St – Garden City, KS 67846 – (620) 275-9195

To view a complete directory of captive insurance agencies in Garden City, please go to this site.

Choosing an insurance agency should depend on more than just a cheap price. These are valid questions to ask:

  • How are they compensated?
  • Do they specialize in personal lines coverage?
  • Does the agency support the community they serve?
  • Does the agency provide any after hours assistance?
  • Do they review policy coverages at every renewal?
  • Which insurance companies are they affiliated with?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • What is the agency’s Better Business Bureau rating?

After getting reasonable responses to your questions and an acceptable price quote, you may have just found an insurance agent that is a good match to service your policy.

Online companies should be compared

Professional insurance agents are a valuable resource, but you also have the option of buying Kansas car insurance from online companies direct. Certain auto insurance companies that are more known for using agents, also permit you to buy direct on their websites, and that can save time if you prefer to buy online.

If you’re worried about choosing your own coverages when buying direct, that should not be a issue. All companies all have client service departments to walk you through the process. They also have online education and live help anytime to clarify any questions you may have.

Can you save money buying online? Many people think so, but it’s hard to say for sure because there are so many things that influence how your policy is priced. Many people think that purchasing direct online saves money because there is no commission. But truthfully, marketing their products costs a lot of money and that can quickly cost more than paying an agent.

find Garden City insurance agents

The only way to know whether prices are lower online or from agents is to make apples-to-apples comparisons of both. You can actually get different rates when comparing quotes online and from an agent for the identical company.

Much more information about car insurance in Kansas is available on the website for the Kansas Insurance Department located here. Visitors are able to read industry bulletins, view agent and company licensing information, and download brochures.

Compare but don’t skimp

Insureds change insurance companies for a number of reasons such as not issuing a premium refund, extreme rates for teen drivers, policy non-renewal or even poor customer service. Whatever your reason, choosing a new company is actually quite simple.

As you prepare to switch companies, it’s not a good idea to reduce needed coverages to save money. In too many instances, an insured cut liability limits or collision coverage only to discover later they didn’t have enough coverage. The proper strategy is to buy enough coverage at a price you can afford.