Free Guide to Searching Online for a Manhattan Insurance Agency

When finding a good insurance agent in Manhattan, KS, you can always start your research on the web to save time. Consumers require a decent agent, but also decent rates too.

There are many auto insurance agents to pick from, and although it’s nice to have multiple companies, so many choices can make it hard to get the best deal.

Manhattan agents for auto insurance

Insurance agents can answer important questions and help file insurance claims. One of the best bonuses of price shopping on the web is you can get better rates and still have an agent to talk to.

After filling out this quick form, your information gets sent to local insurance agents in Manhattan who will return price quotes to get your business. You don’t have to drive around since price quotes are sent directly to your email. How’s that for easy!

Selecting an insurance agency shouldn’t rely on just the price. Here are some questions to ask:

  • Which insurance companies are they affiliated with?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • How long has their agency been in business in Manhattan?
  • How are they compensated?
  • Are you getting all the discounts the company offers?

Captive agents vs. Independent agents

When finding a good insurance agency, there are two types of agencies that differ in how they can insure your vehicles. Manhattan agents are classified as either captive or independent (non-captive). Both types can properly insure your vehicles, but it’s good to learn the differences because it can impact buying decisions.

Captive Agents

Captive agents can only write with one company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are unable to shop your coverage around so they have no alternatives for high prices. These agents receive extensive training in insurance sales which helps them sell insurance even at higher premiums.

The following is a list of captive insurance agents in Manhattan willing to provide price quotes.

Shelter Insurance – 1917 Fort Riley Blvd – Manhattan, KS 66502 – (785) 776-7751
Allstate Insurance – 527 Fort Riley Blvd – Manhattan, KS 66502 – (785) 537-4101
State Farm Insurance – 1115 Westport Dr # A – Manhattan, KS 66502 – (785) 537-1809
Farmers Insurance Group – 1115 Westport Dr – Manhattan, KS 66502 – (785) 776-4588
American Family Insurance – 1112 Laramie St – Manhattan, KS 66502 – (785) 587-0801
Kansas Farm Bureau – 2627 Kfb Plz – Manhattan, KS 66503 – (785) 537-6081

Independent Agencies or Brokers

Independent agents are not required to write business for one company so they can insure your vehicles with any number of different companies and potentially find a lower price. To move your coverage to a new company, the agent simply finds a different carrier and you won’t have to switch agencies. When comparing rates, it’s recommended you include price quotes from at a minimum one independent agency to have the most options to choose from.

Below is a list of independent insurance agencies in Manhattan who can help you get comparison quotes.

Al Langton Insurance – 1014 Poyntz Ave # A – Manhattan, KS 66502 – (785) 776-4091
Terry Voos Agency – 3250 Kimball Ave – Manhattan, KS 66503 – (785) 539-0546
Myers Insurance – 555 Poyntz Ave # 227 – Manhattan, KS 66502 – (785) 776-7199
Jim Feeney Agency Inc – 1601 Poyntz Ave – Manhattan, KS 66502 – (785) 776-4518
Tim Engle Agency Inc – 3320 Anderson Ave – Manhattan, KS 66503 – (785) 539-9200

For a complete listing of auto insurance agents in Manhattan, visit this site.

Upon receiving answers to your satisfaction as well as a affordable price, you’ve probably found an insurance agent that is a good match to adequately provide auto insurance.

Do online insurance companies have lower rates?

Car insurance agents are important to many people, but you also have the option of buying directly from online companies. Some companies, such as State Farm, Allstate and Farmers, that sell primarily through agents also allow you to quote and buy online, so that should be considered.

If you’re apprehensive about not getting advice from an agent, that shouldn’t be an issue. All companies all have client service departments for answering any questions you have.

Are online companies cheaper? The answer is complex since companies use quite a few components that impact your final bill. It’s often assumed that buying online saves by not paying a commission. But the reality is online and traditional media advertising are expensive and those expenses can offset most of the savings by selling direct.

Manhattan KS independent agents

What is YOUR best insurance company?

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. There have been many cases where someone dropped liability coverage limits to discover at claim time that it was a big mistake. Your aim should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Lower-priced auto insurance is attainable both online and also from your neighborhood Manhattan agents, so you should compare both to have the best selection. Some insurance companies may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

For more reading

More tips and info about auto insurance is available at the Kansas Insurance Department website. Consumers can discover disciplinary actions, file complaints about a company, find out which companies have the most complaints, and find out industry alerts.

The following information may also be useful.