Guide to Finding the Best Insurance Agent in Ballwin

If you’re looking for an insurance agent in Ballwin, MO, you can start your research by comparing rates online instead of making phone calls. Consumers require an excellent agent, but also affordable rates.

There are many auto insurance agents to choose from, and though it is a good thing to be able to choose, having more auto insurance agents makes it harder to find the best rates.

Local Ballwin car insurance agents

Licensed agents can help determine the best coverages and help submit paperwork. One of the best bonuses of comparing rates online is that you can obtain better rates and still have an agent to talk to.

Once you complete this simple form, the coverage information is instantly submitted to agents in your area who will give you bids for your business. There is no need to visit any agencies as quotes are delivered immediately to your email address. Now that’s easy!

Selecting an insurance agent needs to be determined by more than just the premium amount. Any agent should be forthright in answering these questions:

  • What insurance companies do they recommend if they are an independent agent?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Do they carry Errors and Omissions coverage?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do they make recommendations based only on price?
  • How much can you save by raising your physical damage deductibles?
  • Are they full-time agents?
  • What are the financial ratings for the companies they represent?

Two types of auto insurance agents

When researching an insurance agent, there are two different agency structures that differ in how they can insure your vehicles. Agents are classified as either captive or independent. Either one can do a good job, but it’s important to know the differences because it can impact the selection process.

Captive Insurance Agents

Captive agencies write business for a single company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They are unable to give you multiple price quotes so keep that in mind. Captive agents receive extensive training in insurance sales which can be an advantage.

The following is a list of captive insurance agencies in Ballwin who can help you get rate quotes.

American Family Insurance – 107 Solley Dr # C – Ballwin, MO 63021 – (636) 256-0160
Farmers Insurance Group – 13523 Barrett Parkway Dr – Ballwin, MO 63021 – (636) 238-0020
Allstate Insurance – 1728 Rosslare Ct – Ballwin, MO 63021 – (636) 256-7556
Shelter Insurance – 119 Woods Mill Rd – Ballwin, MO 63011 – (636) 391-6680
State Farm Insurance – 910 Kehrs Mill Rd # 107 – Ballwin, MO 63011 – (636) 227-0050

Independent Insurance Agents

These agents are not employed by any specific company so they can insure your vehicles with any number of different companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and that require little work on your part. When comparing rates, it’s recommended you get quotes from multiple independent agents for maximum quote selection.

Below are independent insurance agencies in Ballwin who can help you get price quote information.

Michael O’Hare Agency Inc – 234 Old Meramec Station Rd # G – Ballwin, MO 63021 – (636) 391-1774
Charles W Dewitt Insurance – 13523 Barrett Parkway Dr – Ballwin, MO 63021 – (314) 966-6300
Jeffrey Weiss Agency – 16497 Clayton Rd – Ballwin, MO 63011 – (636) 273-0010
Fred L Davis Insurance – 102 Holloway Rd – Ballwin, MO 63011 – (636) 227-1400
Norman Montgomery Agency – 107 Solley Dr # C – Ballwin, MO 63021 – (636) 728-0020

For a full directory of licensed insurance agents in Ballwin, view this link.

Upon getting good answers to all your questions and a low price estimate, chances are good that you have found an insurance agency that can adequately provide car insurance.

Don’t exclude online companies

Insurance agencies are important to many people, but Missouri drivers can also buy direct over the internet. Certain auto insurance companies, such as State Farm, Allstate and Farmers, that sell primarily through agents also allow consumers to buy online, and online price comparisons are easy if you are the do-it-yourself type.

If you’re uncomfortable with not getting advice from an agent when shopping online, that shouldn’t be an issue. Insurance companies that allow you to purchase coverage give you access to trained agents to help you decide which coverages are appropriate.

best Ballwin Missouri agent

Is it cheaper to buy online? It’s hard to say exactly since companies use quite a few components that influence how your policy is priced. Some people think that shopping online for auto insurance reduces premiums because there is no agent. But in most cases, online and traditional media advertising are expensive and this drives up their premium costs.

Additional detailed information is available at the Missouri Department of Insurance website. Missouri drivers can view agent and company licensing information, find a variety of consumer forms, and read enforcement actions against agents and companies.

Quote more, save more

Cost effective car insurance is possible both online in addition to many Ballwin insurance agents, so you should compare both to have the best rate selection. Some companies do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

People change insurance companies for a number of reasons such as delays in paying claims, being labeled a high risk driver, denial of a claim and delays in responding to claim requests. It doesn’t matter what your reason, switching companies is actually quite simple.