Consumers Guide to Finding a Jonesboro Car Insurance Agent

If you’re looking for a good Jonesboro agent, we recommend you do an initial search on the internet rather than picking up the phone. Chances are good you require not only a good agent, but you also want to find affordable coverage.

With companies like independent agents, Allstate and State Farm having local Jonesboro offices, it can be hard to know which will provide the lowest rates and best service. Thankfully, you can use online price quotes to build a list of insurance agencies to choose from.

Car Insurance through a local Jonesboro agent

Licensed agents can point out coverage gaps and give you someone to call. One of the great benefits of comparing insurance prices online is you may find lower rates and still choose a local agent. Supporting local agencies is important particularly in Jonesboro.

For easy comparison, once you complete this short form, your insurance data gets sent to agents in your area who will battle for your coverage. There is no need to visit any agencies because quoted prices will be sent immediately to your email address. Now that’s easy! You’ll get the best rates AND a local agent.

Insurance agent types

When finding local Jonesboro agents, you need to know there are two different types of agents that you can select. Insurance agencies in Jonesboro are classified as either captive or independent (non-captive).

Independent Agents (or Brokers)

Independent agents are not employed by any specific company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency. When shopping rates, it’s a good idea to include several independent insurance agents to get the best comparison.Most can insure with smaller companies which can save you money.

The following is a short list of independent agencies in Jonesboro that may be able to provide price quotes.

  • Turner Agency Inc – 2000 Fox Meadow Ln – Jonesboro, AR 72404 – (870) 932-1300
  • M and M Insurance – 3529 E Nettleton Ave – Jonesboro, AR 72401 – (870) 931-6330
  • Cook Insurance Inc – 3212 E Nettleton Ave – Jonesboro, AR 72401 – (870) 935-1561
  • Direct General Ins Agency – 2717 S Caraway Rd – Jonesboro, AR 72401 – (870) 972-1188
Captive Insurance Agents

This type of agents have only one company to place business with such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. Captives cannot shop your coverage around so it’s a take it or leave it situation. Captive agents are usually quite knowledgeable on the products they sell which helps them compete with independent agents. Consumers frequently buy from captive agents primarily because of the brand legacy and strong financial ratings.

Listed below is a short list of captive insurance agents in Jonesboro that can give you rate quotes.

  • Shelter Insurance – 3009 E Nettleton Ave # G – Jonesboro, AR 72401 – (870) 932-6125
  • State Farm Insurance – 2512 Southwest Sq – Jonesboro, AR 72401 – (870) 935-1717
  • Farmers Insurance Group – 2012 Pine Valley Ln – Jonesboro, AR 72404 – (870) 932-7337
  • Farm Bureau Insurance – 2224 Conrad Dr – Jonesboro, AR 72401 – (870) 972-9675
  • Allstate Insurance Co – 1817 Woodsprings Rd # C – Jonesboro, AR 72401 – (870) 268-9992

For a complete listing of Jonesboro captive insurance agencies, simply jump to this page.

Choosing an insurance agent requires more thought than just the price. These questions are important to ask:

  • How much can you save by raising your physical damage deductibles?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Are they properly licensed to sell insurance in Arkansas?
  • If they are an independent agency, which companies do they recommend?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • How long has their agency been in business in Jonesboro?
  • Which insurance companies are they affiliated with?

Once you have received positive feedback to all your questions and a good coverage price, chances are good that you have found an insurance agent that meets your needs to insure your vehicles.

The online companies promise big savings

Insurance agencies are perfect for certain consumers, but Arkansas car insurance can also be bought from companies direct over the internet. Certain auto insurance companies who sell through the agent channel also give you the option to get a quote and buy online, and online price comparisons are easy.

If you’re worried about not getting proper coverage when buying direct, this is normal but is quickly overcome. All companies provide options to walk you through the process.

If you’re trying to save the most money, the best approach to discovering if prices are better online or from an agent is to get price quotes for both. Lots of times people will get different prices when comparing agent prices to online quotes from exactly the same company.

Do online companies provide lower prices? It’s difficult to provide an answer because there are so many things that influence your rates. It’s logical to say that shopping direct saves the commission normally paid to an agent. For most online online companies, however, the cost of constant advertising is expensive and this tends to eat up any savings.

Keep this in mind

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced uninsured motorist or liability limits and learned later they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Drivers change insurance companies for any number of reasons including extreme rates for teen drivers, high rates after DUI convictions, being labeled a high risk driver or lack of trust in their agent. No matter why you want to switch, finding a new auto insurance company is pretty easy and you might even save some money in the process.

Jonesboro AR independent agents

Read more about Arkansas auto insurance

Additional auto insurance information is available on the Arkansas Insurance Department website through this link. Visitors are able to learn about specific coverages, find disaster information, find a variety of consumer forms, and read industry bulletins.

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