Consumers Guide to Searching for a Cabot Insurance Agent

If you’re looking to buy car insurance, finding the best Arkansas auto insurance agent is not as easy as just making a phone call. You need a professional licensed agent, and also want to find the best possible rates.

Insurance companies such as State Farm, GEICO and Farmers Insurance constantly bombard you with fancy advertisements and consumers find it hard to separate fact from fiction and find the best price available.

How to find Cabot insurance agents online

Licensed agents can answer important questions and give you peace of mind. The best thing about comparing rates online is you may find the lowest rates but still work with a licensed agent.

To make it easy to find an agent, after completing this quick form, the coverage information is emailed to local insurance agents in Cabot who will battle for your insurance coverage. You never need to drive around since price quotes are sent directly to your email. It doesn’t get any easier! You can find the lowest rates and an insurance agent to talk to.

Picking an insurance agent requires more thought than just a cheap price. Any agent should be forthright in answering these questions:

  • Do they carry Errors and Omissions coverage?
  • Is assistance available after office hours?
  • What are the financial ratings for the companies they represent?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Do they assist clients in filing claims?
  • Do they make recommendations based only on price?

Best car insurance agent in Cabot

When searching for a reputable insurance agent or broker, there are two different types of agents that differ in how they can insure your vehicles. Agencies in Cabot are categorized either independent or captive.

Agency Captives

Captive agents have only one company to place business with such as Allstate, State Farm and Farmers Insurance. These agents are unable to compare other company’s rates so it’s a take it or leave it situation. These agents receive extensive training on their company’s products which helps them compete with independent agents. Some people will only buy from captive agents partially due to the brand legacy and the convenience of having all coverages with one company.

Below are captive agents in Cabot that can give you comparison quotes.

  • Allstate Insurance – 46 Commercial St – Cabot, AR 72023 – (501) 843-7606
  • State Farm Insurance – 105 N 8th St # 1 – Cabot, AR 72023 – (501) 843-6502
  • Farm Bureau Insurance – 200 Westport Dr – Cabot, AR 72023 – (501) 843-4440
  • Shelter Insurance – 32 S Pine St # 1 – Cabot, AR 72023 – (501) 843-5881
Independent Insurance Agents

Independent insurance agents are not locked into one company so they can insure your vehicles amongst many companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to find a new agent. When shopping rates, you should always include at a minimum one independent agency to ensure the widest selection of prices.Most can insure with lesser-known insurance companies which can be an advantage.

Shown below is a list of independent agencies in Cabot that can give you rate quotes.

  • Frazier Insurance Inc – 1902 S Pine St – Cabot, AR 72023 – (501) 941-1433
  • Kerley Insurance – 918 W Main St – Cabot, AR 72023 – (501) 843-5877

For a complete listing of car insurance agents in Cabot, visit this link.

Once you have acceptable answers and a good coverage price, most likely you have located a car insurance agent that meets your needs to properly service your car insurance policy.

Can you find lower rates by buying online?

Insurance agencies can be invaluable at times, but Arkansas car insurance can also be bought from online companies direct. Certain auto insurance companies that sell primarily through agents also allow you to buy a policy online, so that should be considered to possibly find a better rate.

If you’re apprehensive about not having professional advice when buying online, that is normal but is not a big issue. All companies all provide contact methods to answer your questions. Consumers also can use anytime access to help and a customer research section to clarify any questions you may have.

Are online rates lower? The answer is complex due to the fact that there are multiple individual factors which can adversely affect your policy premium. Many people think that going direct saves money by not requiring a commission. But the fact is, there are very high advertising costs and that can quickly cost more than paying an agent.

Additional detailed information can be found at the Arkansas Insurance Department website. Arkansas consumers can learn about insurance regulations, view a list of available companies, read industry bulletins, and file complaints about an insurance agent or broker.

Other related articles:

Cabot Arkansas insurance agency

Final considerations

As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. In too many instances, someone dropped full coverage only to regret that the savings was not a smart move. The aim is to buy the best coverage you can find at the best price while still protecting your assets.

Low-cost car insurance can be found from both online companies in addition to many Cabot insurance agents, and you need to price shop both so you have a total pricing picture. A few companies do not provide online quoting and most of the time these small insurance companies sell through independent agents.