Five Minute Guide to Finding an Ocean Springs Auto Insurance Agent

When pricing auto insurance in Ocean Springs, MS, picking a good Mississippi auto insurance agent is harder than just using the same insurance agency as your neighbor. You need a good agent that listens to you, and also the cheapest rates you can possibly find.

Because there are so many different company options, it is very difficult to find the lowest price insurer.

Ocean Springs agents for auto insurance

Good agents can point out coverage gaps and help submit paperwork. The biggest benefit of price shopping on the web is you may find the lowest rates but also keep your business local.

After completing this form (opens in new window), your insurance coverage information is instantly submitted to participating agents in Ocean Springs who will battle to get your business. You never need to even leave your home due to the fact that quote results will go straight to your inbox. How cool is that?!

Selecting a car insurance agent should depend on more than just a cheap price. Here are some questions to ask:

  • Will your rates increase after a single accident?
  • Do they make recommendations based only on price?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Do they receive special compensation for putting your coverage with one company over another?
  • What insurance company do they write the most business with?
  • Can they provide you with a list of referrals?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?

Ocean Springs car insurance agents come in two flavors

When looking for a reputable insurance agent or broker, you need to know there are two different agency structures from which to choose. Insurance agencies in Ocean Springs are either captive or independent. Either one can insure your vehicles, but it’s worth mentioning how they are different since it may influence the selection process.

Captive Agents

Captive insurance agents have only one company to place business with and some examples include Allstate, Farmers Insurance, State Farm and AAA. These agents are not able to compare other company’s rates so they are skilled at selling on more than just price. Captive agents are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums. Consumers often buy from captive agents partially due to the brand legacy and the convenience of having a single billing for all their coverages.

Below is a short list of captive agencies in Ocean Springs willing to provide rate quotes.

  • Farm Bureau Insurance – 5801 Humphrey Rd – Ocean Springs, MS 39565 – (228) 826-4880
  • State Farm Insurance – 2746 Bienville Blvd – Ocean Springs, MS 39564 – (228) 875-3336
Independent Insurance Agents

Independent insurance agents do not work for one specific company but rather can write business with many different companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent.

When comparing rates, we recommend you include price quotes from at a minimum one independent agency for maximum quote selection. Many write coverage with smaller companies which can save you money.

Shown below is a short list of independent insurance agents in Ocean Springs that can give you price quotes.

  • Lemon-Mohler Insurance – 806 Washington Ave – Ocean Springs, MS 39564 – (228) 875-7777
  • Physicians Mutual Insurance Co – 13013 Cambridge Blvd – Ocean Springs, MS 39564 – (228) 875-9653
  • Foley Agency Insurance and Invst – 2220 Government St – Ocean Springs, MS 39564 – (228) 875-8968

To view a full list of Ocean Springs insurance agents, visit this site.

After getting reasonable responses to all your questions and locked in a price quote, most likely you have located an auto insurance agent that will service your policy.

Don’t exclude online companies

Car insurance agents are a valuable resource, but you can also find affordable Mississippi auto insurance from companies direct over the internet. Some car insurance companies like State Farm and Allstate that are more known for using agents, additionally provide the ability to get a quote and buy online, so keep that in mind if you prefer to buy online.

If you’re anxious about not having professional advice when shopping online, don’t let it bother you. Online car insurance companies that allow you to purchase coverage all have toll-free customer service to help you decide which coverages are appropriate. They also have anytime access to help and a customer research section to make it easier to purchase.

Does car insurance cost less online? It’s hard to say exactly because there are so many things that can increase policy rates. Some people think that going direct cuts out the agent as a middleman. In many cases, promoting brand recognition is pricey and this drives up their premium costs.

Additional resources for Mississippi consumers

More detailed Mississippi auto insurance information is located at the Mississippi Insurance Department website. Mississippi consumers can get help finding coverage, read industry bulletins, and find disaster information.

compare Ocean Springs MS insurance agents

Do the work, save more money

When shopping online for auto insurance, you should never sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice liability limits or collision coverage only to find out that it was a big error on their part. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

The cheapest auto insurance can be sourced on the web and also from your neighborhood Ocean Springs agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.