Easy Guide to Finding a Liberal Auto Insurance Agent

If you’re trying to find an insurance agent in Liberal, Kansas, it’s recommended you start your search online in order to save time. It’s highly likely you not only want a good agent, but you also want to find the best rates possible.

With companies like independent agents, Allstate and State Farm having offices in Liberal, it can be hard to know which provider will give you the best service and rates. To begin, it’s easy to use online quotes to build a list of agencies and thier coverage prices.

How to find Liberal insurance agents online

Professional agents are trained to spot inefficiencies and give you peace of mind. One of the best bonuses of comparing insurance prices online is you may find the lowest rates and still choose a local agent. Supporting small agencies is especially important in Liberal.

Upon completion of this simple form, the quote information is instantly submitted to participating agents in Liberal who will return price quotes for your insurance coverage. You won’t need to visit any agencies as quotes are delivered directly to your email. It doesn’t get any easier!

Captive agents vs. Independent agents

When searching for a local agent, you must know there are a couple types of insurance agents that you can select. Liberal agents are classified as either captive or independent (non-captive). While both can properly insure your vehicles, but it’s important to know how they are different because it can impact the type of agent you choose

Independent Agencies or Brokers

These agents are not employed by any specific company but instead can place your coverage with lots of companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent.

When searching for an agent, it’s a good idea to get quotes from several independent insurance agents to ensure the widest selection of prices.Most can insure with lesser-known insurance companies which can be an advantage.

The following is a list of independent insurance agents in Liberal willing to provide competitive price quotes.

  • Al Shank Insurance – 1014 N Kansas Ave – Liberal, KS 67901 – (620) 624-2559
  • Brooke Insurance and Financial – 412 N Washington Ave – Liberal, KS 67901 – (620) 624-7468
Captive Insurance Agents

This type of agents can only write with one company and some examples include Liberty Mutual, State Farm, Allstate and AAA. These agents are not able to shop your coverage around so it’s a take it or leave it situation. Captives are very knowledgeable on the products they sell and that can be a competitive advantage. Some consumers prefer to purchase coverage from captives primarily because of the prominence of the brand and the convenience of having a single billing for all their coverages.

Below are Liberal captive agents that can give you rate quotes.

  • Farm Bureau Insurance – 1010 N Kansas Ave – Liberal, KS 67901 – (620) 624-1681
  • State Farm Insurance – 1010 S Kansas Ave # B6 – Liberal, KS 67901 – (620) 624-8168
  • Shelter Insurance – 225 N Washington Ave – Liberal, KS 67901 – (620) 624-6011

To view a complete directory of Liberal captive insurance agents, click here to link.

Selecting an auto insurance agent requires more thought than just the price. Agents should be asked these questions:

  • Do they receive special compensation for putting your coverage with one company over another?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Are claims handled at the agent’s location?
  • How often do they review policy coverages?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Can they give you a list of client referrals?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?

After receiving reasonable responses for all questions you ask and a good coverage price, most likely you have located a car insurance agent that can service your policy.

But what about Progressive, GEICO and other online companies?

Insurance agencies serve a purpose, but Kansas car insurance can also be bought direct online. A few companies that sell primarily through agents also allow consumers to buy a policy online, and that is helpful if you don’t want to take the time to contact agents.

If you’re uncomfortable with not receiving proper advice when shopping online, don’t be too concerned. Car insurance companies give you access to trained agents for getting questions answered.

When trying to find the best rates, the only way to determine whether online companies or local agents have lower rates is to get price quotes for both. You can actually get different rates from the same company depending on if you quote online or with their agents. It’s just impossible to know where you can get the lowest rates unless you actually compare identical quotes from both.

Can online rates save money? The answer to that question is complicated because there are many components which can adversely affect your policy premium. Common logic is that buying online saves the commission normally paid to an agent. But that assumption is generally incorrect because advertising and marketing take a lot of money so rates may not be all that different from traditional agents.

More comparisons equals lower rates

When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to regret that the savings was not a smart move. Your aim should be to get the best coverage possible at a price you can afford while still protecting your assets.

Drivers leave their current company for a number of reasons such as questionable increases in premium, an unsatisfactory settlement offer, delays in paying claims or even policy non-renewal. Regardless of your reason, choosing a new insurance company can be less work than you think.

quotes for Liberal insurance

Additional car insurance information is available on the Kansas Insurance Department website located here. Visitors are able to read consumer alerts, get help finding coverage, find disaster information, and learn about insurance regulations.

Other useful links include QuoteClickInsure.com and this page for help finding agents in Liberal, KS.