Finding good car insurance in Laramie can be challenging since picking a good Wyoming car insurance agent is harder than just making a phone call. It’s assumed you’re looking for a good agent, but also the best rates possible.
With companies like State Farm, Allstate and many independent agents all competing for your business, consumers have a hard time knowing which one will provide you with the lowest rates and best service. Thankfully, consumers can use insurance quotes online to get a list of agents and price estimates.
How to buy car insurance from an agent in Laramie
Professional agents can help determine the best coverages and give you peace of mind. The biggest benefit of comparing rates online is you can get the lowest rates and still have an agent to talk to. And providing support for local insurance agencies is important especially in Laramie.
To make it easy to find an agent, after completing this simple form, the coverage information is instantly submitted to local insurance agents in Laramie who will give you bids for your coverage. There is no need to visit any agencies due to the fact that quote results will go immediately to your email address. How’s that for easy!
Two different types of insurance agencies
If you’re trying to find local Laramie agents, there are two types of agencies that you can select. Agents can either be captive or independent (non-captive). Both types can insure your vehicles, but it’s important to know the difference between them since it may influence your agent selection.
Independent Agencies or Brokers
Independent insurance agents are not required to write business for one company so they can insure your vehicles amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency.
When comparing rates, it’s recommended you get quotes from at a minimum one independent agency to have the most options to choose from. They often place coverage with different regional companies which can be an advantage.
Listed below are Laramie independent agents who can help you get price quote information.
- Insurance Unlimited Inc – 568 N 3rd St # 100 – Laramie, WY 82072 – (307) 745-7447
- De Cora Agency – 1472 N 5th St # 108 – Laramie, WY 82072 – (307) 742-6099
- Thone Insurance Svc Inc – 702 S 3rd St – Laramie, WY 82070 – (307) 742-3715
These agents can only place business with one company and some examples include American Family, State Farm and Allstate. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. Captives receive extensive training on their products and sales techniques and that can be a competitive advantage. Some consumers prefer to choose to use a captive agent mostly because of loyalty to the company and strong financial ratings.
Below is a list of captive agencies in Laramie that can give you price quote information.
- Farmers Insurance Group – 1256 N 4th St – Laramie, WY 82072 – (307) 745-7077
- Farm Bureau Insurance – 2900 E Grand Ave # 104 – Laramie, WY 82070 – (307) 742-1616
- Allstate Insurance – 427 S 21st St – Laramie, WY 82070 – (307) 745-3202
- State Farm Insurance – 3131 E Grand Ave # C – Laramie, WY 82070 – (307) 742-5246
To view a full list of captive insurance agencies in Laramie, view this link.
Selecting a car insurance agent shouldn’t rely on just the bottom line cost. Here are some questions to ask:
- Did they already check your driving record and credit reports?
- Are they full-time agents?
- How much can you save by raising your physical damage deductibles?
- How are claims handled?
- Do they receive special compensation for putting your coverage with one company over another?
After getting acceptable answers to all your questions and a good coverage price, most likely you have located an auto insurance agent that can insure your vehicles.
Can you save by buying online?
Car insurance agents can be invaluable at times, but you can also find affordable Wyoming auto insurance from companies direct over the internet. A few companies, such as Farmers Insurance and State Farm, who sell through the agent channel also give you the ability to quote and buy online, so that should be considered if you want to do it yourself.
If you’re uneasy about choosing your own coverages when shopping online, don’t be too concerned. Car insurance companies all have client service departments for getting advice on proper coverages.
Is car insurance cheaper online? Many people swear by it, but it’s difficult to answer since there are so many factors that are calculated into your premium. Common logic is that shopping direct lowers rates due to not having any agent compensation. But in reality, it’s expensive to advertise and that can cost more than having to pay agents.
Much more information about car insurance in Wyoming is available on the Wyoming Insurance Department website found here. Visitors are able to report car insurance fraud, read enforcement actions against agents and companies, and file complaints about a company.
More related Laramie car insurance information:
- How to Know Youre Wasting Money for Auto Insurance in Laramie
- 9 Must-Know Methods When Looking for the Best Deal on Laramie, WY Auto Insurance
Best coverage at the best price
Discount car insurance can be found online as well as from independent agents in Laramie, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. There have been many cases where someone dropped comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. Your focus should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.