Consumers Guide to Searching Online for a Chadron Insurance Agent

If you’re looking to buy auto insurance, finding the best Nebraska car insurance agent takes more work than just using the same insurance agency as your neighbor. Consumers require a decent agent, but also the lowest rates for auto insurance in Chadron.

Many insurance agents vie for your business, and because of this it can be hard to compare car insurance agents and get the definite best price available.

Neighborhood insurance agents

Licensed agents are trained to spot inefficiencies and help you file claims. The best thing about comparing rates online is you may find lower rates and still choose a local agent.

To find an agent, once you fill out this form (opens in new window), your insurance data is emailed to local insurance agents who will battle to get your business. There is no reason to leave your computer due to the fact that quote results will go straight to your inbox. How’s that for easy!

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

  • If your car is in the repair shop, do you have coverage for a rental car?
  • Are they full-time agents?
  • Can they give you a list of client referrals?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Do the companies they represent have a solid financial rating?

Is a captive or independent insurance agent right for you?

If you’re trying to find a good Chadron insurance agent, you need to know there are two types of agencies to choose from. Insurance agencies in Chadron are classified as either independent or captive. Both insure your vehicles, but it’s good to learn how they differ because it can impact the selection process.

Captive Insurance Agents

These agents have only one company to place business with such as State Farm or Allstate. They are unable to shop your coverage around so keep that in mind. These agents are well schooled on the products they sell which helps them compete with independent agents.

Shown below is a short list of captive agents in Chadron that can give you comparison quotes.

American Family Insurance – 250 Main St # 200 – Chadron, NE 69337 – (308) 432-2800

Independent Agents (or Brokers)

Independent agents do not work for one specific 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, the agent simply finds a different carrier and you don’t have to find a new agent. When comparison shopping, you should always contact multiple independent agents to get the best comparison.

Below is a list of independent agents in Chadron that are able to give rate quotes.

Randy Bauer Insurance – 345 Main St – Chadron, NE 69337 – (308) 432-3388
Gregory’s Insurance Inc – 315 W 3rd St – Chadron, NE 69337 – (308) 432-8050

For a complete listing of insurance agents in Chadron, please click here.

After getting satisfactory answers to your questions and an affordable coverage quote, you’ve probably found a car insurance agent that is a good match to adequately provide auto insurance.

But what about buying insurance online?

Local insurance agents serve a purpose, but Nebraska consumers also have the option to buy directly from online companies. Some companies, such as State Farm, Allstate and Farmers, who sell through agents in Chadron also give you the option to get a quote and buy online, and consumers should do that to possibly find a better rate.

If you’re uncomfortable with whether or not you’ll have guidance when shopping online, this is a normal reaction for first-time shoppers. Online car insurance companies provide options for customer questions. Also available are anytime access to help and a customer research section that can help answer basic questions.

best Chadron NE insurance agency

Can buying online lower your premiums? That is a tough question to answer since companies use quite a few components that determine your policy premium. It’s a logical assumption that buying online cuts out the middleman. But the reality is advertising budgets are huge and that can quickly cost more than paying an agent.

More tips and info about auto insurance is available at the Nebraska Department of Insurance website. Nebraska drivers can view a list of available companies, find out industry alerts, and file complaints about an insurance agent or broker.

Cheaper insurance is a realistic goal

When shopping online for auto insurance, you should never skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Lower-priced auto insurance is available both online in addition to many Chadron insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.