Consumers Guide to Searching for a Broken Arrow Insurance Agent

If you’re looking to buy auto insurance, choosing the right Broken Arrow auto insurance agent is harder than just randomly choosing from the yellow pages. Chances are good you’re not only searching for a decent agent, but you also want to find the best rates possible.

With companies like State Farm, Allstate and many independent agents all competing for your business, it’s difficult to determine which insurance agency will provide the best service and rates. To help decide, consumers can get online price quotes to assemble a group of agents from which to choose.

Online quotes help locate Broken Arrow agents

Educated insurance agents are trained to spot inefficiencies and help submit paperwork. The biggest benefit of getting online price quotes is you may find the best rates but still work with a licensed agent. Buying from local insurance agencies is especially important in Broken Arrow.

To find an agent, once you fill out this simple form, your information is instantly submitted to local insurance agents in Broken Arrow who will give you bids for your insurance coverage. There is no reason to leave your computer since price quotes are sent immediately to your email address. How’s that for easy!

Pick the best car insurance agent in Broken Arrow for you

When researching a good Broken Arrow insurance agent, there are a couple of different agency structures to choose from. Agents can either be captive or independent. While both can do a good job, but it’s good to learn how they are different because it can influence your agent selection.

Independent Agencies or Brokers

Independent agencies are not required to write business for one company so they have the ability to put coverage with any number of different companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier without you having to go to a different agency. When comparison shopping, it’s recommended you include price quotes from at a minimum one independent agency for maximum quote selection.

Shown below is a short list of independent agencies in Broken Arrow willing to provide competitive price quotes.

Michael Ward Agency – 1008 N Hickory Ave – Broken Arrow, OK 74012 – (918) 258-6611
American National Insurance Co – 111 E College St – Broken Arrow, OK 74012 – (918) 251-2878
Sid Sidman Agency – 4902 W Kenosha St – Broken Arrow, OK 74012 – (918) 254-0125
Mike Emerson Agency – 610 S Aspen Ave – Broken Arrow, OK 74012 – (918) 258-5676
Insurance Stratagies – – Broken Arrow, OK 74012 – (918) 258-8507

Agency Captives

Captive insurance agents are contracted to one company such as State Farm, AAA, Farmers Insurance or Allstate. Captives cannot give you multiple price quotes so always compare other rates. These agents are very knowledgeable on their products and sales techniques and that can be a competitive advantage.

The following is a short list of captive agents in Broken Arrow that are able to give price quotes.

Farmers Insurance Group – 409 N Aspen Ave # 101 – Broken Arrow, OK 74012 – (918) 258-1191
State Farm Insurance – 2001 W Washington St – Broken Arrow, OK 74012 – (918) 455-4567
Allstate Insurance – 2021 W Houston St – Broken Arrow, OK 74012 – (918) 251-4584
Farm Bureau Insurance – 801 N Elm Pl – Broken Arrow, OK 74012 – (918) 258-6030
Shelter Insurance – 1101 E Lansing St – Broken Arrow, OK 74012 – (918) 258-1700
Liberty Mutual Insurance – 3762 S Elm Pl – Broken Arrow, OK 74011 – (918) 455-2943

To view a full list of captive insurance agents in Broken Arrow, view this link.

Deciding on an insurance agency requires more thought than just the bottom line cost. Some important questions to ask are:

  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Can they give you a list of client referrals?
  • Is their price quote a firm figure or are their hidden costs?
  • Are you getting all the discounts the company offers?
  • What will you get paid if your car is a total loss? How is that amount determined?

Once you have answers to your satisfaction to any questions you have in addition to an acceptable price estimate, chances are good that you have found a car insurance agent that can provide auto insurance coverage.

Online auto insurance companies

Local insurance agents are a valuable resource, but Oklahoma drivers can also buy from companies direct over the internet. Certain companies like Allstate and State Farm that sell primarily through agents also allow you to buy a policy online, so that should be considered.

If you’re uneasy about selecting your own policy coverages when buying car insurance direct, that is normal but is not a big issue. Online insurance companies that require consumers to choose their own coverages provide phone numbers and online resources for getting advice on proper coverages.

Are online rates lower? It’s difficult to say for sure because of the number of factors that determine the price you pay. It’s logical to say that shopping online for auto insurance saves the commission normally paid to an agent. But in reality, promoting brand recognition is pricey and this tends to eat up any savings.

The best approach to find out whether online companies or local agents have lower rates is to take the time to compare rates from both. It’s possible to get different rates from the SAME company from their online quote form as compared to an agent.

compare Broken Arrow Oklahoma insurance agents

Online resources for education

Additional information is located on the website for the Oklahoma Insurance Department. Click here for link. Visitors are able to file complaints about a company, find out which companies have the most complaints, and learn about specific coverages.

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Smart consumers save more

Insureds change insurance companies for many reasons like unfair underwriting practices, policy cancellation, policy non-renewal or high rates after DUI convictions. It doesn’t matter why you want to switch switching companies is pretty simple and you could end up saving a buck or two.

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced uninsured motorist or liability limits only to regret they didn’t have enough coverage. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.