If you’re looking for a licensed insurance agent in Jefferson City, we recommend you begin your search using online quotes in order to save time. We’re guessing you’re not only searching for a professional licensed agent, but also affordable coverage.
With companies like Allstate, Farmers, State Farm and many independent agents all competing for your business, it’s difficult to determine which will provide the best rates, service and coverage. Thankfully, consumers can get online price quotes to build a list of agents to choose from.
Comparing prices from Jefferson City agents
Licensed agents are trained to spot inefficiencies and help submit paperwork. The best thing about getting online price quotes is the fact that you can find better rates and still choose a local agent. Buying from local agencies is definitely important in Jefferson City.
Upon completion of this short form, your insurance coverage information is immediately sent to local insurance agents in Jefferson City who will give you bids for your insurance coverage. There is no reason to leave your house due to the fact that quote results will go to the email address you provide. How cool is that?! You can find better rates and an insurance agent to talk to.
The difference between Jefferson City insurance agents
When searching for an insurance agent, there are two different types of agents that you can select. Insurance agencies in Jefferson City are categorized either independent (non-captive) or captive.
Independent Agents
Independent insurance agents are not employed by any specific company but rather can write business with many different companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies. When comparison shopping, we recommend you include several independent insurance agents for maximum quote selection. Many write coverage with lesser-known insurance companies which can save you money.
The following is a short list of independent agents in Jefferson City that are able to give price quote information.
- Cic Insurance – 237 E High St – Jefferson City, MO 65101 – (573) 634-4967
- Farm Bureau Insurance – 949 S Country Club Dr – Jefferson City, MO 65109 – (573) 893-6965
- Tim Eubank Agency Inc – 800 W High St – Jefferson City, MO 65101 – (573) 635-5281
- Tony Porter Agency Inc – 102 Lomo Dr # B – Jefferson City, MO 65109 – (573) 893-3088
- Charles Bax Agency Inc – 1009 Madison St # B – Jefferson City, MO 65101 – (573) 635-7911
Captive Insurance Agents
Captive insurance agents have only one company to place business with such as State Farm, AAA and Liberty Mutual. Captives cannot place coverage with different providers so they have no alternatives for high prices. They are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Some people will only choose to use a captive agent mainly due to the brand legacy and the convenience of having all coverages with one company.
Shown below is a list of captive insurance agencies in Jefferson City that can give you price quote information.
- Missouri Farm Bureau Ins – 701 S Country Club Dr – Jefferson City, MO 65109 – (573) 893-1400
- Allstate Insurance – 520 Dix Rd # B1 – Jefferson City, MO 65109 – (573) 635-1600
- State Farm Insurance – 2411 Hyde Park Rd – Jefferson City, MO 65109 – (573) 761-9245
- Farmers Insurance Group – 1802 Sun Valley Dr – Jefferson City, MO 65109 – (573) 659-7700
- Remley Harold Shelter Ins – 601 E Mccarty St – Jefferson City, MO 65101 – (573) 635-2085
- American Family Insurance – 1916 Whitney Woods Dr – Jefferson City, MO 65101 – (573) 635-8938
To view a full list of captive agents in Jefferson City, please view this page.
Selecting an insurance agent shouldn’t rely on just the bottom line cost. Some important questions to ask are:
- Can they provide you with a list of referrals?
- If your car is in the repair shop, do you have coverage for a rental car?
- How are claims handled?
- Does the agency provide any after hours assistance?
- How much will you save each year by using a higher deductible?
- Do they regularly work with personal auto policies?
Upon getting positive feedback for all questions you ask in addition to an acceptable price estimate, chances are good that you have found an insurance agency that is a good match to properly service your auto insurance policy.
Keep your options open
Professional insurance agents are important, but Missouri car insurance can also be bought direct from companies that only sell online. A few companies that are more known for using agents, also permit you to buy a policy online, so keep that in mind if you prefer to buy online.
If you’re concerned about selecting your own policy coverages when buying car insurance direct, that should not be a issue. Online car insurance companies provide customer service to walk you through the process. Most companies also provide live help and 24/7 access you can access prior to buying.
If you have the time, the only way to find out who has the best rates, online companies or local insurance agents, is comparing rate quotes from both. You could possible even receive different price quotes when quoting both agents prices and online prices returned by the same company.
Are online premiums lower? It’s hard to say exactly since there may be dozens of rate factors which can adversely affect your policy premium. Many people think that shopping direct saves money by not requiring a commission. But in reality, getting their brand in front of customers is expensive and that impacts the rates consumers pay.
More information about auto insurance
More information is located on the Missouri Department of Insurance website through this link. Missouri drivers can read state legal mandates and laws, learn about specific coverages, find out industry alerts, and discover disciplinary actions.
Buy online or local, you save
When you buy insurance online, never skimp on coverage in order to save money. There are many occasions where an insured dropped collision coverage only to regret at claim time they didn’t have enough coverage. The proper strategy is to find the BEST coverage for the lowest price.
Drivers change insurance companies for any number of reasons including policy cancellation, poor customer service, delays in responding to claim requests and even delays in paying claims. No matter why you want to switch, switching companies is not as hard as you think.
