Duncan Auto Insurance Agents – There is a Difference

Finding good car insurance in Duncan can be challenging since there are a lot of options and picking a good Oklahoma car insurance agent is not as easy as just randomly choosing from the yellow pages. Chances are good you’re wanting a friendly agent, but you also want to find the best rates possible.

With companies like State Farm, Allstate and Farmers Insurance having local Duncan offices, consumers have a hard time knowing which one will have the best service and rates. To begin, you can use online quoting to build a list of insurance agencies and price estimates.

Duncan agents and online quotes

Agents can answer important questions and help file insurance claims. The best thing about comparing rates online is the fact that you can find the lowest rates and still have an agent to talk to. And providing support for small agencies is important particularly in Duncan.

After completing this short form, your insurance data is immediately sent to local insurance agents in Duncan who will give you bids to get your business. There is no reason to leave your computer as quotes are delivered to your email. It doesn’t get any easier! Get lower rates AND an agent nearby.

Types of insurance agents

When finding a good insurance agency, you need to know there are two different types of agents that differ in how they can insure your vehicles. Agents are either captive or independent (non-captive).

Independent Insurance Agents

These agents are not required to write business for one company but instead can place your coverage amongst many companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies and that require little work on your part.

When shopping rates, we recommend you include at a minimum one independent agency for maximum quote selection.

Shown below is a short list of independent insurance agencies in Duncan who may be able to give you price quotes.

Luttrell Insurance – 1026 W Main St – Duncan, OK 73533 – (580) 255-6187
Bob Johnson Insurance – 1313 W Ash Ave # 105 – Duncan, OK 73533 – (580) 255-4390

Agency Captives

Captive insurance agents can only place business with one company such as American Family, Liberty Mutual and AAA. They usually cannot give you multiple price quotes so always compare other rates. Captives are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums.

Listed below are Duncan captive agents that can give you comparison quotes.

State Farm Insurance – 1923 W Elk Ave – Duncan, OK 73533 – (580) 252-0127
Shelter Insurance – 909 Hillcrest St – Duncan, OK 73533 – (580) 255-1415
Allstate Insurance – 1206 N Highway 81 # 48 – Duncan, OK 73533 – (580) 470-9108

For a complete listing of captive insurance agents in Duncan, visit this link.

Choosing a car insurance agent requires more thought than just the premium amount. Any agent should be forthright in answering these questions:

  • Do the companies they represent have a solid financial rating?
  • If you have an accident, will your rates go up?
  • Are they properly licensed to sell insurance in Oklahoma?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • What will you get paid if your car is a total loss? How is that amount determined?

Upon receiving satisfactory answers to any questions you have and an acceptable price quote, chances are good that you have found a car insurance agent that is a good match to service your policy.

Can you save money by buying online?

Auto insurance agents are a valuable resource, but Oklahoma drivers can also buy from online companies direct. Certain auto insurance companies that are more known for using agents, also allow consumers to get a quote and buy online, and that can save time if you prefer not to work with an agent.

If you’re worried about not having someone to ask questions when shopping online, this is normal but is quickly overcome. Online insurance companies have toll-free phone numbers and other options to walk you through the process. You may also access a frequently asked questions page to help you make a buying decision.

Is online auto insurance cheaper? Many people think so, but it’s hard to say for sure because there are many components that impact your final bill. Common sense would say that shopping online for auto insurance saves the commission normally paid to an agent. For most online online companies, however, it’s expensive to advertise and this drives up their premium costs.

compare Oklahoma insurance agents

Smart consumers save more

When shopping online for car insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced physical damage coverage only to find out that they should have had better coverage. Your strategy should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Discount car insurance can be purchased on the web as well as from independent agents in Duncan, so you should compare both to have the best chance of lowering rates. Some car insurance companies don’t offer online price quotes and most of the time these small, regional companies sell through independent agents.

Additional car insurance information is located on the website for the Oklahoma Insurance Department located here. Visitors are able to view agent and company licensing information, get help finding coverage, and view a list of available companies.

Additional helpful sites include BankRate.com’s Car Insurance: When not to Skimp and QuoteClickSave.com.