Selecting a auto insurance company in Midwest City, Oklahoma can be time consuming since selecting the best Midwest City car insurance agent for your needs is more difficult than just randomly choosing from the yellow pages. There is a good chance that not only do you want a good agent, but you also want to find affordable coverage.
With Allstate, Farmers and State Farm as well as independent agents having offices in Midwest City, it can be hard to know which provider will provide the best service and rates. To help decide, it’s easy to use online price quotes to build a list of agencies and thier coverage prices.
Your insurance agent down the street
Good agents can answer important questions and give you peace of mind. The biggest benefit of comparing insurance prices online is the fact that you can find lower rates and still choose a local agent. And supporting local insurance agencies is important especially in Midwest City.
For easy comparison, once you complete this short form, the quote information is emailed to agents in your area who will compete for your coverage. You won’t need to visit any agencies because quoted prices will be sent to your email. It doesn’t get any easier! It’s the lowest rates and a licensed agent to work with.
Midwest City auto insurance agents are either independent or captive
When researching an insurance agent, you need to know there are two different agency structures that you can select. Insurance agencies in Midwest City can either be independent or captive.
Independent Agents
Independent insurance agents are not employed by any specific company but rather can write business with any number of different companies depending on which coverage is best. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency.
When comparing rates, you should always contact multiple independent agents to get the best comparison. Most have the option of insuring with smaller regional carriers which can save you money.
Listed below is a list of independent agents in Midwest City that may be able to provide comparison quotes.
- Guide One Insurance – 1117 S Douglas Blvd # A – Midwest City, OK 73130 – (405) 737-7892
- Copeland Insurance – 2800 S Douglas Blvd – Midwest City, OK 73130 – (405) 737-6231
Agency Captives
These agents can only place business with one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They generally cannot place coverage with different providers so always compare other rates. Captive agencies are well schooled on their company’s products which can be an advantage. Consumers sometimes buy from captive agents primarily because of the brand legacy and strong financial ratings.
Listed below is a short list of captive agents in Midwest City that can give you rate quotes.
- Farmers Insurance Group – 560 W Boeing Dr # A – Midwest City, OK 73110 – (405) 733-7671
- State Farm Insurance – 1816 S Air Depot Blvd – Midwest City, OK 73110 – (405) 732-3136
To view a complete directory of Midwest City captive insurance agents, simply jump to this page.
Picking an auto insurance agent shouldn’t rely on just a low price. These are valid questions to ask:
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Is assistance available after office hours?
- Are they able to influence company decisions when a claim is filed?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Is the agent and/or agency licensed to do business in Oklahoma?
- How long has their agency been open in Midwest City?
After getting reasonable responses for all questions you ask and a low price estimate, most likely you have located a car insurance agent that meets your needs to properly insure your vehicles.
How do online company rates compare?
Insurance agencies serve a purpose, but you can also find affordable Oklahoma auto insurance direct online. Some specific companies like Allstate and State Farm who sell through agents in Midwest City also allow you to quote and buy online, and online price comparisons are easy if the lowest rate is your goal.
If you’re worried about not getting advice from an agent when shopping online, that is quite common when buying online the first time. Car insurance companies provide options for getting the best coverage. They also offer live help and 24/7 access that you can use if you have questions.
Will you save money buying auto insurance online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say due to the large number of individual components that determine the price you pay. It would make sense to think that shopping online for auto insurance lowers rates due to not having any agent compensation. For the majority of companies, however, the cost of constant advertising is expensive and that can quickly cost more than paying an agent.
To find out more about Oklahoma auto insurance
More information is available on the Oklahoma Insurance Department website found here. Visitors are able to find out industry alerts, find out which companies have the most complaints, discover disciplinary actions, and download brochures.
Other informative sites include FindNewCarInsurance.com and this page for help finding agents in Midwest City, OK.
In conclusion
Affordable auto insurance is attainable from both online companies as well as from independent agents in Midwest City, so compare prices from both to have the best selection. Some insurance companies don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.
People leave their current company for many reasons like being labeled a high risk driver, high prices, not issuing a premium refund and denial of a claim. Whatever your reason, choosing a new insurance company is less work than it seems.
