When shopping for auto insurance, picking a good West Virginia auto insurance agent is more difficult than just using the same insurance agency as your neighbor. We’re guessing you’re not only searching for a professional licensed agent, but you also want the lowest possible price.
With companies like Allstate, Farmers and State Farm as well as independent agents all competing for business in Keyser, it’s difficult to determine which one will give you the cheapest rates and the best coverage. To help decide, you can use online quotes to build a list of insurance agents and price estimates.
Compare online but buy from a local Keyser agent
Good agents are trained to spot inefficiencies and give you peace of mind. One of the great benefits of getting online price quotes is that you can obtain the best rates and still have an agent to talk to. And providing support for small agencies is important particularly in Keyser.
After filling out this simple form, your insurance coverage information is instantly submitted to participating agents in Keyser who will give you bids to get your business. You won’t need to leave your computer since price quotes are sent to the email address you provide. How cool is that?! It’s the lowest rates and a licensed agent to work with.
Different types of insurance agencies in Keyser
When researching a reliable agent, there are two types of insurance agents from which to choose. Agents are classified as either independent (non-captive) or captive.
Independent Agencies or Brokers
These agents are not locked into one company but rather can write business amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, the business is moved internally and that require little work on your part.
When searching for an agent, it’s a good idea to contact at a minimum one independent agency for the best price selection.
Shown below are independent insurance agents in Keyser who can help you get price quote information.
Mtn State Insurance Svc – Timberlake Estates – Keyser, WV 26726 – (304) 788-5147
Evans Agency – 56 N Main St – Keyser, WV 26726 – (304) 788-3324
Nationwide Insurance – 40 Mineral St – Keyser, WV 26726 – (304) 788-5537
This type of agents can only write with one company such as Farmers Insurance, American Family, State Farm and Allstate. They usually cannot place coverage with different providers so it’s a take it or leave it situation. Captive agents are trained well on their company’s products which can be an advantage.
Below is a short list of captive insurance agents in Keyser that can give you price quotes.
State Farm Insurance – 591 Carskadon Rd – Keyser, WV 26726 – (304) 788-1030
For a full directory of captive agencies in Keyser, please click here.
Picking a car insurance agent shouldn’t rely on just the bottom line cost. Any agent should be forthright in answering these questions:
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Are they able to influence company decisions when a claim is filed?
- What is the agency’s Better Business Bureau rating?
- Can glass repairs be made at your home?
- If your car is in the repair shop, do you have coverage for a rental car?
- Do they review policy coverages at every renewal?
After getting answers to your satisfaction to all your questions and an acceptable price quote, it’s possible that you found an insurance agent that is a good match to adequately provide auto insurance.
Consider all the options when buying car insurance
Insurance agents are a valuable resource, but you can also find affordable West Virginia auto insurance directly from online companies. Even companies who have local Keyser agents additionally provide the ability to buy direct online, and that is helpful and can also potentially find you lower rates.
If you’re apprehensive about whether or not you’ll have guidance when buying direct, don’t sweat it. Insurance companies that allow you to purchase coverage all provide contact methods for customer questions. Consumers also can use a frequently asked questions page so you can feel comfortable buying online.
Will auto insurance cost less online? Many people swear by it, but it’s difficult to answer since there may be dozens of rate factors that impact your final bill. Common sense would say that a consumer who buys direct saves money by not requiring a commission. In reality, marketing their products costs a lot of money and that can quickly cost more than paying an agent.
Additional information can be read on the website for the West Virginia Insurance Commission located here. Consumers can view a list of available companies, file complaints about a company, read consumer alerts, and download brochures.
Other useful links include this site for rates in West Virginia and this resource to find Keyser, WV insurance agents.
In the end, you save
As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, someone dropped full coverage only to regret that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.
Discount auto insurance is possible both online as well as from independent agents in Keyser, so compare prices from both to have the best chance of lowering rates. Some insurance providers don’t offer online quoting and most of the time these regional insurance providers sell through independent agents.