Free Guide to Finding a Southaven Car Insurance Agent

When pricing auto insurance in Southaven, MS, there are a lot of options and choosing the right Southaven insurance agent is harder than just calling the closest agent. Consumers require a good professional insurance agent, but also need the lowest rates for auto insurance in Southaven.

Since consumers have many options, it’s difficult to choose the most affordable provider.

Online quotes help locate Southaven agents

Good agents are trained to spot inefficiencies and give you peace of mind. The best thing about comparing rates online is that you can obtain the lowest rates but also keep your business local.

By using this simple form, your insurance coverage information is sent to companies in Southaven who will give you bids for your insurance coverage. You don’t have to even leave your home as quotes are delivered directly to your email. How cool is that?!

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

  • How much will you save each year by using a higher deductible?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Does the agency support the community they serve?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • If you have an accident, will your rates go up?
  • Can they give you a list of client referrals?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?

The difference between Southaven insurance agencies

When searching for a good Southaven insurance agent, you need to know there are two different agency structures that you can select. Agencies in Southaven are either independent or captive. While both can do a good job, but it’s good to learn the difference between them since it may influence buying decisions.

Captive Agents

Captive agents have only one company to place business with like American Family, Liberty Mutual and AAA. These agents are unable to shop your coverage around so always compare other rates. These agents receive extensive training in insurance sales and that can be a competitive advantage. Consumers frequently buy insurance from these agents primarily because of the prominence of the brand and the convenience of having all coverages with one company.

Shown below are Southaven captive insurance agents that are able to give comparison quotes.

  • Southern Farm Bureau Casualty – 6723 Elmore Rd – Southaven, MS 38671 – (662) 349-1889
  • State Farm Insurance – 7900 Airways Blvd # B200 – Southaven, MS 38671 – (662) 349-4600
  • Shelter Insurance – 7193 Swinnea Rd # B – Southaven, MS 38671 – (662) 349-2002
  • Allstate Insurance – 3350 Goodman Rd E – Southaven, MS 38672 – (662) 349-6363
Independent Agents

Independent agencies are not employed by any specific company but rather can write business with lots of companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier and you won’t have to switch agencies. When searching for an agent, it’s recommended you include multiple independent agents to have the most options to choose from. Most have the option of insuring with smaller companies who may have lower rates.

The following are Southaven independent insurance agents that can give you rate quotes.

  • L S and Assoc Insurance Conslnts – 1290 Main St – Southaven, MS 38671 – (662) 393-9115
  • Aubrey Coleman Insurance – 1725 Main St – Southaven, MS 38671 – (662) 342-2112
  • Direct General Ins Agency – 578 Goodman Rd E – Southaven, MS 38671 – (662) 393-3999
  • Avant Insurance Agency – 212 Goodman Rd E – Southaven, MS 38671 – (601) 349-3490

For a complete listing of insurance agents in Southaven, please view this page.

Once you have received good answers to all your questions and a low price estimate, chances are good that you have found an insurance agent that can properly insure your vehicles.

Consider all buying options to save money

Insurance agents are a valuable resource, but you can also buy Mississippi car insurance from companies direct over the internet. A few companies like State Farm and Allstate that sell primarily through agents also allow consumers to buy direct on their websites, so that should be considered if you prefer not to work with an agent.

If you’re apprehensive about whether or not you’ll have guidance when buying direct, this is a normal reaction for first-time shoppers. Online companies that allow you to purchase coverage all have toll-free customer service that you can contact for information.

Is online auto insurance cheaper? It’s difficult to say for sure because there are so many things that impact your rate calculation. Some people will tell you that shopping online for auto insurance saves money because there is no commission. But the reality is advertising budgets are huge so rates may not be all that different from traditional agents.

Online plus local equals savings

As you restructure your insurance plan, never skimp on coverage in order to save money. In many cases, an insured cut liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find at an affordable rate.

Budget-conscious auto insurance can be bought both online and with local Southaven insurance agents, so you should compare both to have the best selection. Some insurance providers do not offer online price quotes and these smaller companies work with independent agents.

Southaven insurance agents

For more information

More tips and info about auto insurance is available at the Mississippi Insurance Department website. Mississippi consumers can find out industry alerts, read industry bulletins, learn about insurance regulations, and find a variety of consumer forms.

The following articles may also be useful.