Guide to Finding an Insurance Agent in Newcastle

When searching for a licensed insurance agent in Newcastle, you can always do an initial search by getting online comparison quotes instead of making phone calls. We’re guessing you want a decent agent, but you also want to find the best rates possible.

With insurance companies like State Farm, Allstate, Farmers and independent agents all competing for your business, it’s difficult to determine which provider will provide you with the lowest rates and best service. To help decide, consumers can get insurance quotes online to build a list of agents and thier coverage prices.

Quote online but work with a neighborhood agent

Good agents can point out coverage gaps and help in the event of a claim. The biggest benefit of price shopping on the web is that you can obtain better rates but also keep your business local. And supporting local businesses is especially important in Newcastle.

Upon completion of this short form, your information is transmitted to insurance agents in Newcastle who will give you bids to get your business. You never need to drive around because quoted prices will be sent directly to your email. How cool is that?! Get lower rates without the usual hassles of price shopping.

How to choose the best insurance agent in Newcastle

When searching for local Newcastle agents, there are a couple of types of insurance agents to choose from. Newcastle agents are categorized either captive or independent (non-captive).

Independent Agents (or Brokers)

Independent agencies are not locked into one company but instead can place your coverage amongst many companies depending on which coverage is best. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency.

When searching for an agent, it’s recommended you get quotes from at a minimum one independent agency to ensure the widest selection of prices. Many write coverage with different regional companies who may have lower rates.

The following are Newcastle independent insurance agents who can help you get pricing information.

  • Ida Snead Insurance Inc – 325 W Main St – Newcastle, WY 82701 – (307) 746-4720
  • A-1 Agency – 26 S Seneca Ave – Newcastle, WY 82701 – (307) 746-2706
  • Farm Bureau Insurance – 360 W Main St – Newcastle, WY 82701 – (307) 746-4471
Captive Insurance Agents

Captive agents can only place business with one company like American Family, Liberty Mutual and AAA. These agents are unable to give you multiple price quotes so it’s a take it or leave it situation. These agents are trained well on the products they sell and that can be a competitive advantage. Some people will only choose to use a captive agent mainly due to high brand loyalty and solid financial strength.

Shown below are captive agents in Newcastle who can help you get rate quotes.

  • State Farm Insurance – 420 W Main St – Newcastle, WY 82701 – (307) 746-9689
  • Farm Bureau Insurance – 360 W Main St – Newcastle, WY 82701 – (307) 746-4471
  • Farmers Insurance Group – 333 W Main St – Newcastle, WY 82701 – (307) 746-2700

To view a full list of captive insurance agencies in Newcastle, please go to this site.

Choosing an auto insurance agent needs to be determined by more than just the bottom line cost. These questions are important to ask:

  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • How often do they review policy coverages?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • How long have they worked with personal auto insurance coverage?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.

After receiving acceptable answers to these questions as well as a affordable price, most likely you have located a car insurance agent that will adequately provide car insurance.

Include online companies when price shopping

Local insurance agents are important to many people, but you can also buy Wyoming car insurance direct online. Even companies that are more known for using agents, also allow consumers to quote and buy online. This is something to consider.

If you’re uneasy about not having an insurance agent’s advice when shopping online, don’t be too concerned. Companies provide toll-free numbers to walk you through the process. You may also access live help and 24/7 access that you can use if you have questions.

When shopping for low rates, the only way to find out whether prices are lower online or from agents is to get rates from both and compare them. It’s even possible to receive different pricing when comparing agent prices to online quotes from the exact same provider.

Is car insurance cheaper online? The answer is complex since there are so many components that can increase policy rates. Common logic is that purchasing direct online saves the commission normally paid to an agent. For the majority of companies, however, advertising budgets are huge and this tends to eat up any savings.

To find out more about Wyoming car insurance

Additional car insurance information is located on the Wyoming Insurance Department website. Click here for link. Visitors are able to read enforcement actions against agents and companies, get help finding coverage, download brochures, and read industry bulletins.

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Newcastle WY agents

More quotes mean more savings

Insureds who switch companies do it for a number of reasons such as extreme rates for teen drivers, delays in paying claims, unfair underwriting practices or being labeled a high risk driver. Regardless of your reason for switching companies, finding the right car insurance provider can be easier than you think.

As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where an insured cut full coverage only to find out that they should have had better coverage. The aim is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.