When finding a good Kemmerer agent, you can always start your research on the web instead of calling around. You need a great agent that can assess your needs, and also want to find cheaper auto insurance prices.
Consumers have many auto insurance agents to pick from, and even though it’s nice to have multiple companies, it can be more challenging to locate the cheapest rates.
How to find Kemmerer insurance agents online
Educated insurance agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of price shopping on the web is you can get the lowest rates and still choose a local agent.
To help locate an agent, after submitting this short form, your coverage information is submitted to companies in Kemmerer who will return price quotes for your coverage. There is no need to leave your house as quotes are delivered to the email address you provide. How’s that for easy!
Choosing an insurance agent requires more thought than just the premium amount. Ask your prospective agent these questions:
- Does the company allow you to choose your own collision repair facility?
- Can glass repairs be made at your home?
- Is working in the agency their full-time job?
- Can they give you a list of client referrals?
- Does the agency provide any after hours assistance?
- Is their price quote a firm figure or are their hidden costs?
- Will your rates increase after a single accident?
Not all insurance agencies are the same
When looking for a reputable insurance agent or broker, there are two different types of agents that you can select. Agents are classified as either captive or independent. Either one can insure your vehicles, but it’s worth mentioning how they differ because it can influence the selection process.
Captive Insurance Agents
Captive agencies can only place business with one company and some examples include Liberty Mutual, State Farm, Allstate and AAA. Captives cannot shop your coverage around so always compare other rates. Captives are very knowledgeable on their products and sales techniques which can be an advantage. Consumers often buy insurance from these agents partially due to loyalty to the company and solid financial strength.
The following are Kemmerer captive insurance agents that are able to give price quotes.
- State Farm Insurance – 700 N Main St # B – Kemmerer, WY 83101 – (307) 877-3181
Independent Insurance Agents
Independent agencies are not employed by any specific company but rather can write business with any number of different companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies. When comparison shopping, you should always include at least one independent agent to get the best comparison. Most have the option of insuring with smaller companies which may provide better rates.
Shown below is a list of independent insurance agencies in Kemmerer who can help you get price quotes.
- Dan Norris Agency – 922 Cedar Ave – Kemmerer, WY 83101 – (307) 877-6400
- Zebre’s Insurance – 810 Cedar Ave – Kemmerer, WY 83101 – (307) 877-4435
For a complete listing of Kemmerer insurance agents, visit this link.
Once you have received positive feedback and a low price estimate, chances are good that you have found an insurance agent that can adequately provide auto insurance.
Are online companies an option?
Auto insurance agents serve a purpose, but Wyoming drivers can also buy direct over the internet. Some companies who sell through the agent channel additionally provide the ability to buy direct online, and consumers should do that if you prefer not to work with an agent.
If you’re concerned about not having an insurance agent’s advice, this is normal but is quickly overcome. All companies that allow you to purchase coverage provide toll-free numbers that you can contact for information. They also make available a frequently asked questions page to help you make a buying decision.
Do online companies have better rates? That is a tough question to answer due to the fact that there are many factors that impact your rate calculation. Some people will tell you that a customer who purchases direcly from an online company saves by not paying a commission. But in most cases, marketing their products costs a lot of money so this can offset any savings.
A little work can save a LOT of money
Drivers switch companies for many reasons like policy cancellation, extreme rates for teen drivers, being labeled a high risk driver or delays in paying claims. It doesn’t matter what your reason, finding a new auto insurance company is actually quite simple.
Budget-conscious auto insurance can be found on the web as well as from independent agents in Kemmerer, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers don’t offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.
Informative consumer insurance sites
More detailed Wyoming auto insurance information is located at the Wyoming Insurance Department website. Visitors are able to find a variety of consumer forms, read state legal mandates and laws, and file complaints about a company.