Follow these Steps to Find an Insurance Agent in Cedar City

When searching for an insurance agent in Cedar City, UT, we recommend you do the preliminary legwork by getting online comparison quotes rather than picking up the phone. You require a great agent that can assess your needs, but also the best price on auto insurance.

Many insurance agencies compete for your business, and because of this it can be hard to compare car insurance agents and uncover the absolute lowest rate

Car Insurance from Cedar City insurance agents

Good agents can answer important questions and help submit paperwork. One of the great benefits of comparing rates online is you can get better rates and still have an agent to talk to.

After completing this simple form, your information gets sent to participating agents in Cedar City who will battle for your coverage. You never need to even leave your home because quoted prices will be sent to your email. Now that’s easy! You can find the lowest rates and work with a local agent.

Picking an insurance agent should depend on more than just the price. Any agent should have no problem answering these questions:

  • What insurance company do they write the most business with?
  • Is their price quote a firm figure or are their hidden costs?
  • Can they provide you with a list of referrals?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Are claims handled at the agent’s location?
  • What insurance companies do they work with?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • How long has their agency been open in Cedar City?

Types of auto insurance agents in Cedar City

When finding a good insurance agency, you need to know there are two types of insurance agents from which to choose. Agencies in Cedar City are either independent (non-captive) or captive.

Captive Agents

These agents write business for a single company such as State Farm, Allstate and AAA. They usually cannot compare other company’s rates so always compare other rates. Captive agents are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums.

Below are captive insurance agents in Cedar City that can give you rate quotes.

Farmers Insurance Group – 489 W 200 N – Cedar City, UT 84720 – (435) 586-6387
American Family Mutual Ins – 572 S Main St – Cedar City, UT 84720 – (435) 865-6444
Allstate Insurance – 23 W Center St – Cedar City, UT 84720 – (435) 586-5500
Farm Bureau Insurance – 965 S Main St – Cedar City, UT 84720 – (435) 586-9288

Independent Insurance Agents

Independent insurance agents are not locked into one company so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part. When shopping rates, we recommend you get quotes from at least one independent agent for the best price selection.

The following is a list of independent agents in Cedar City that are able to give comparison quotes.

Leavitt Group Agency Assn – 216 S 200 W – Cedar City, UT 84720 – (435) 586-9079
Swindlehurst Insurance – 311 N 400 W – Cedar City, UT 84720 – (435) 586-5919
Sherrie Hansen Insurance Inc – 118 W 200 S – Cedar City, UT 84720 – (435) 586-4467

To view a complete directory of insurance agents in Cedar City, visit this site.

After receiving acceptable answers for all questions you ask and an acceptable price quote, you have narrowed it down to an insurance agent that can service your policy.

Do online insurance companies have lower rates?

Licensed agents are perfect for certain consumers, but Utah car insurance can also be bought from online companies direct. Some car insurance companies like State Farm and Allstate who have local agents in Cedar City also give you the option to get quotes and purchase online. This is something to consider.

If you’re apprehensive about not having an insurance agent’s advice when buying online, this really isn’t an issue. Auto insurance companies have toll-free phone numbers and other options to help you decide which coverages are appropriate. Many online companies also provide the ability to chat online live with a sales rep and online research you can access prior to buying.

Will buying online save you money? That question is hard to answer since there are many things that determine the price you pay. It’s often assumed that going direct saves money because there is no agent involvement. But in reality, advertising budgets are huge so there may not be significant savings.

best Cedar City Utah insurance agency

Even more information is located at the Utah Insurance Department website. Consumers can find a variety of consumer forms, find out industry alerts, download brochures, and file complaints about an insurance agent or broker.

Other informative sites include this link for Utah coverage information and this page where you can research Cedar City insurance agents.

One last thing about your coverage

Insureds switch companies for many reasons like policy cancellation, high rates after DUI convictions, denial of a claim or even high prices. It doesn’t matter why you want to switch switching auto insurance companies is pretty easy and you might even save some money in the process.

Discount auto insurance can be purchased on the web and with local Cedar City insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.