If you’re looking for an insurance agent in Enid, Oklahoma, we recommend you start your search by getting online comparison quotes instead of making phone calls. The chances are good you’re not only searching for a friendly agent, but you also want the lowest possible price.
With companies like State Farm, Allstate and many independent agents all competing for business in Enid, it’s difficult to determine which insurance agency will provide the cheapest rates and the best coverage. To help decide, consumers can get online price quotes to build a list of insurance agents from which to choose.
Quote online, buy local
Agents can answer important questions and help submit paperwork. One of the best bonuses of price shopping on the web is you may find lower rates and still choose a local agent. And providing support for local businesses is important especially in Enid.
After completing this quick form, your insurance data is instantly submitted to companies in Enid who will compete for your business. You never need to drive around because quoted prices will be sent immediately to your email address. Now that’s easy! You can find the lowest rates AND an agent nearby.
Two different types of auto insurance agents
When searching for a local agent, there are a couple of types of agencies that differ in how they can insure your vehicles. Enid agents are classified as either independent or captive.
Independent agents are not employed by any specific company but instead can place your coverage amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and you won’t have to switch agencies. When comparing rates, you should always get quotes from several independent insurance agents to ensure the widest selection of prices.Many can place coverage with different regional companies which can save you money.
The following are independent insurance agencies in Enid that can give you competitive price quotes.
- Triangle Insurance – 2821 N Van Buren St – Enid, OK 73703 – (580) 237-4276
- Shirley Garrett Insurance – 1710 W Willow Rd # 20 – Enid, OK 73703 – (580) 242-3232
Captive agents are contracted to one company such as Farmers Insurance or State Farm. They generally cannot shop your coverage around so they have no alternatives for high prices. These agents are trained well on the products they sell which helps them compete with independent agents. Consumers sometimes buy from captive agents mostly because of the prominence of the brand and strong financial ratings.
Shown below is a short list of captive agents in Enid that are able to give price quotes.
- Shelter Insurance – 110 Sunset Plz # G – Enid, OK 73703 – (580) 234-3184
- State Farm Insurance – 1813 W Owen K Garriott Rd – Enid, OK 73703 – (580) 234-3657
For a full directory of captive agencies in Enid, view this link.
Choosing an insurance agency needs to be determined by more than just a cheap price. Agents should be asked these questions:
- How long has their agency been in business in Enid?
- What insurance company do they write the most business with?
- Are claims handled at the agent’s location?
- Does the agency provide any after hours assistance?
- Is their price quote a firm figure or are their hidden costs?
- Do the coverages you’re quoting properly cover your vehicle?
- Is working in the agency their full-time job?
Once you have acceptable answers to these questions and an affordable coverage quote, you have narrowed it down to a car insurance agent that can adequately provide auto insurance.
Include online companies when price shopping
Car insurance agents can be invaluable at times, but you can also buy Oklahoma car insurance direct over the internet. Some companies who have local agents in Enid also give you the option to buy direct online, and online price comparisons are easy if you prefer not to work with an agent.
If you’re uneasy about not having professional advice when buying car insurance direct, this really isn’t an issue. Online car insurance companies that allow you to purchase coverage all have toll-free customer service for answering any questions you have.
Do online companies have better rates? It’s hard to say exactly because there are many components that impact your premium. Some people will tell you that going direct lowers rates due to not having any agent compensation. For the majority of companies, however, there are high advertising and marketing costs and this tends to eat up any savings.
What is YOUR best insurance company?
The cheapest auto insurance can be found online and also from your neighborhood Enid agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.
As you prepare to switch companies, it’s a bad idea to buy poor coverage just to save money. There have been many situations where an accident victim reduced collision coverage and learned later that they should have had better coverage. The proper strategy is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.
Informative consumer insurance sites
More information can be found on the Oklahoma Insurance Department website. Click here for link. Consumers can read enforcement actions against agents and companies, download brochures, view agent and company licensing information, and view a list of available companies.