Five Minutes to the Best Car Insurance Rates From the Best Insurance Agents in Keizer

When searching for a good Keizer agent, we recommend you begin your search on the web in order to save time. There is a good chance you require not only a decent agent, but you also want to find the lowest possible price.

With companies like American Family, Allstate, State Farm and independent agents all competing for business in Keizer, it’s difficult to determine which will give you the cheapest rates and the best coverage. Thankfully, it’s easy to use online quotes in order to build a list of insurance agents to choose from.

Why do I need an agent?

Licensed agents can answer important questions and give you peace of mind. The best thing about price shopping on the web is that you can obtain lower rates and still have an agent to talk to. Buying from small agencies is important especially in Keizer.

After filling out this form (opens in new window), the coverage information gets sent to companies in Keizer who will give you bids for your coverage. You never need to visit any agencies as quotes are delivered to your email. Now that’s easy! You can find the lowest rates and a licensed agent to work with.

Compare rates from both independent and captive auto insurance agents

When researching a reliable agent, there are two types of insurance agents that differ in how they can insure your vehicles. Keizer agents are categorized either captive or independent (non-captive).

Independent Agencies or Brokers

Independent insurance agents are not required to write business for one company so they can insure your vehicles with lots of companies depending on which coverage is best. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part. When shopping rates, it’s recommended you include at least one independent agent to get the best comparison. They also have the ability to place coverage with lesser-known insurance companies which can save you money.

Listed below are Keizer independent agencies that are able to give competitive price quotes.

  • Baglien Olson Insurance – 5845 Shoreview Ln N # 400 – Keizer, OR 97303 – (503) 393-3900
  • Sam Goesch Insurance – 3975 River Rd N # 2 – Keizer, OR 97303 – (503) 393-6252
Captive Insurance Agents

Captive agents are contracted to one company such as Liberty Mutual, State Farm, Allstate and AAA. Captives cannot provide prices from multiple companies so always compare other rates. Captive agents are usually quite knowledgeable on the products they sell and that can be a competitive advantage. Some consumers prefer to buy insurance from these agents mainly due to high brand loyalty and solid financial strength.

The following are Keizer captive agencies who can help you get price quote information.

  • Farmers Insurance Group – 113 Mcnary Estates Dr N – Keizer, OR 97303 – (503) 463-6601
  • American Family Insurance – 5305 River Rd N # B – Keizer, OR 97303 – (503) 393-4343
  • State Farm Insurance – 132 Chemawa Rd N – Keizer, OR 97303 – (503) 390-1069
  • Allstate Insurance – 4959 River Rd N – Keizer, OR 97303 – (503) 463-5707

For a full directory of captive agencies in Keizer, simply jump to this page.

Deciding on an insurance agent needs to be determined by more than just the premium amount. Any agent should be forthright in answering these questions:

  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Does the agency support the community they serve?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • How many years of experience in personal lines insurance coverages do they have?
  • Will your rates increase after a single accident?
  • How often do they review policy coverages?

Once you have received acceptable answers to any questions you have as well as a affordable price, you may have just found an auto insurance agent that can provide car insurance coverage.

Isn’t it cheaper to buy direct online?

Local insurance agents serve a purpose, but you also have the option of buying Oregon car insurance from online companies direct. Certain auto insurance companies who employ agents also allow consumers to buy online, and consumers should do that.

If you’re worried about not receiving proper advice, that is normal but is not a big issue. Car insurance companies all have client service departments to answer any questions you may have. Most companies also provide online help and live chat so you can feel comfortable buying online.

Do people save by buying online? It’s difficult to provide an answer since companies use quite a few components which can raise or lower premium rates. Common sense would say that buying direct saves money by not requiring a commission. But the reality is promoting brand recognition is pricey and those expenses can offset most of the savings by selling direct.

In Summary

Cheaper car insurance is available online as well as from independent agents in Keizer, so you should compare both in order to have the best price selection to choose from. There are still a few companies who don’t offer online price quotes and these small insurance companies work with independent agents.

Oregon insurance agents

As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed liability limits or collision coverage and learned later that they should have had better coverage. Your focus should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Informative consumer insurance sites

More information can be found on the Oregon Insurance Division website. Click here for link. Visitors are able to view agent and company licensing information, learn about insurance regulations, discover disciplinary actions, and find out which companies have the most complaints.