Comparing auto insurance companies in Glasgow, KY can be challenging because selecting the best Glasgow car insurance agent for your needs takes more work than just using the same insurance agent as your neighbor. You require a professional licensed agent, and also cheaper auto insurance prices.
Insurance companies such as State Farm, Geico and Farmers Insurance persitently shower you with fancy advertisements and consumers find it hard to see past the corporate glitz and effectively compare rates to find the best deal.
Price shop online but buy from a local Glasgow agent
Professional agents are trained to spot inefficiencies and help file insurance claims. The best thing about getting online price quotes is that you can obtain the lowest rates and still choose a local agent.
To find an agent, once you fill out this quick form, your insurance data is emailed to participating agents in Glasgow who will return price quotes for your coverage. You don’t have to leave your house since price quotes are sent immediately to your email address. How cool is that?!
Selecting an auto insurance agent should depend on more than just a cheap price. These are valid questions to ask:
- Which members of your family are coverage by the policy?
- Do they regularly work with personal auto policies?
- Is the agency involved in supporting local community causes?
- Are there any discounts that you might be missing?
- Do the companies they represent have a solid financial rating?
- Is their price quote a firm figure or are their hidden costs?
- Do they have any clout with companies to ensure a fair claim settlement?
- Are claims handled at the agent’s location?
Not all car insurance agents are the same
When finding a reputable insurance agent or broker, you need to know there are two types of insurance agents to choose from. Agents are classified as either captive or independent (non-captive). Either one can write coverage properly, but it’s important to know the difference between them because it can impact the selection process.
Captive Agents
Captive agents have only one company to place business with like American Family, State Farm and Allstate. These agents are unable to shop your coverage around so it’s a take it or leave it situation. They are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums.
Shown below is a list of captive agents in Glasgow who may provide you with price quotes.
Farm Bureau Insurance – 106 Reynolds Rd – Glasgow, KY 42141 – (270) 678-3500
State Farm Insurance – 308 S Broadway St – Glasgow, KY 42141 – (270) 651-6025
Shelter Insurance – 130 S Public Sq – Glasgow, KY 42141 – (270) 651-6169
Independent Agencies or Brokers
Independent insurance agents are not required to write business for one company but rather can write business with any number of different companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies and you won’t have to switch agencies.
When comparison shopping, it’s a good idea to contact at a minimum one independent agency for the best price selection.
Below are independent agencies in Glasgow that can give you price quotes.
Benny Manion Insurance Inc – 605 Happy Valley Rd # A – Glasgow, KY 42141 – (270) 651-6523
Farm Bureau Insurance – 106 Reynolds Rd – Glasgow, KY 42141 – (270) 678-3500
To view a complete directory of Glasgow insurance agents, visit this site.
After getting answers to your satisfaction to your questions and an affordable coverage quote, chances are good that you have found a car insurance agent that can insure your vehicles.
What about online companies that cut out the middleman?
Car insurance agents can be invaluable at times, but Kentucky car insurance can also be bought from companies direct over the internet. Some car insurance companies that sell primarily through agents also give you the option to buy direct online, and that is helpful if the lowest rate is your goal.
If you’re concerned about whether or not you’ll have guidance when buying direct, don’t sweat it. Online insurance companies have customer service departments for getting questions answered.
Does buying online save money? It’s difficult to say for sure because there are many factors that impact your rate calculation. Some people will tell you that purchasing direct online saves the commission normally paid to an agent. In many cases, online and traditional media advertising are expensive and that impacts the rates consumers pay.
Even more information can be read at the Kentucky Department of Insurance website. Visitors are able to file complaints about a company, report car insurance fraud, and get help finding coverage.
The following information may also be useful.
Cheaper insurance is a realistic goal
When shopping online for auto insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped liability limits or collision coverage only to regret at claim time that the savings was not a smart move. The proper strategy is to purchase plenty of coverage for the lowest price, not the least amount of coverage.
Cheap auto insurance can be found on the web and with local Glasgow insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.
