Consumers Guide to Searching Online for a Clarksdale Insurance Agent

When finding a good insurance agent in Clarksdale, Mississippi, you can do the preliminary legwork for an agent online rather than picking up the phone. We’re guessing you require not only a great agent that can assess your needs, but you also need affordable coverage.

With Allstate, Farmers, State Farm and many independent agents all competing for business in Clarksdale, consumers have a hard time knowing which car insurance agent will have the lowest rates and best service. To begin, consumers can get online quoting to assemble a group of insurance agents from which to choose.

Save time by quoting online

Licensed agents can help determine the best coverages and help file insurance claims. One of the great benefits of comparing insurance prices online is you can get the lowest rates but also keep your business local. Supporting local insurance agencies is especially important in Clarksdale.

For easy comparison, once you complete this quick form, your insurance coverage information is emailed to agents in your area who will return price quotes for your insurance coverage. You never need to leave your house because quoted prices will be sent directly to your email. Now that’s easy!

Not all insurance agencies are the same

If you’re trying to find local Clarksdale agents, there are two different types of agents from which to choose. Agents are categorized either captive or independent (non-captive). Both properly insure your vehicles, but it’s worth learning how they differ because it can influence buying decisions.

Independent Agencies or Brokers

Independent agencies do not work for one specific company so they can insure your vehicles with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and you won’t have to switch agencies. When shopping rates, we recommend you contact at a minimum one independent agency to ensure the widest selection of prices.

Shown below is a short list of independent insurance agents in Clarksdale who can help you get comparison quotes.

Dunn Insurance Svc – 320 Lee Dr – Clarksdale, MS 38614 – (662) 624-9645
R and R Insurance – 160 Delta Ave – Clarksdale, MS 38614 – (662) 627-3143

Captive Agents

Captive agencies are contracted to one company and examples are State Farm, Allstate and AAA. These agents are not able to provide prices from multiple companies so they have no alternatives for high prices. These agents are trained well on the products they sell which helps them sell insurance even at higher premiums.

Listed below is a list of captive agencies in Clarksdale willing to provide comparison quotes.

Allstate Insurance – 215 Sharkey Ave – Clarksdale, MS 38614 – (662) 624-4814
State Farm Insurance – 1015 Lee Dr – Clarksdale, MS 38614 – (662) 627-7215

For a full directory of captive insurance agencies in Clarksdale, please go to this site.

Choosing an insurance agency requires more thought than just a low price. Some important questions to ask are:

  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Does the agency have a good rating with the Better Business Bureau?
  • How are they compensated?
  • Are claims handled at the agent’s location?
  • How long has their agency been in business in Clarksdale?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Are there any discounts that you might be missing?
  • Do they review policy coverages at every renewal?

Once you have received acceptable answers to your questions and a good coverage price, you have narrowed it down to an auto insurance agent that is a good match to provide car insurance coverage.

Isn’t it cheaper to buy from online companies like GEICO?

Auto insurance agents are important, but you also have the option of buying directly from online companies. Certain auto insurance companies, such as Farmers Insurance and State Farm, who employ agents additionally provide the ability to buy a policy online, so this should also be taken into consideration if you’re trying to lower your rates.

If you’re uneasy about not having an agent to talk to when buying online, that is normal but is not a big issue. Auto insurance companies provide customer service for getting advice on proper coverages. Many online companies also provide 24/7 live help and a car insurance FAQ section to clarify any questions you may have.

Will you save money buying auto insurance online? It’s hard to say exactly since there may be dozens of rate factors that can increase policy rates. Common logic is that buying car insurance online reduces premiums because there is no agent. But truthfully, advertising and marketing take a lot of money and that can quickly cost more than paying an agent.

Clarksdale Mississippi insurance agents

Much more information about car insurance in Mississippi can be read on the website for the Mississippi Insurance Department. Click here for link. Consumers can find out industry alerts, file complaints about a company, discover disciplinary actions, and read industry bulletins.

Other informative sites include NAIC.org’s Understanding your Policy and CarInsuranceDIY.com.

Better coverage you can count on

Budget-conscious car insurance is available both online in addition to many Clarksdale insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance companies do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Consumers leave their current company for many reasons like delays in paying claims, high rates after DUI convictions, delays in responding to claim requests or even policy cancellation. Regardless of your reason, switching companies can be easier than you think.