Hammond Car Insurance Agent Pricing Compared

Finding good car insurance in Hammond can be challenging since selecting the best Hammond insurance agent for your needs is harder than just randomly choosing from the yellow pages. You require a highly trained agent, but also cheap rates.

With consumers having so many choices of insurance companies, it is very difficult to find the most cost effective insurer.

Best way to find Hammond agents

Educated insurance agents can point out coverage gaps and give you peace of mind. One of the great benefits of getting online price quotes is you may find the best rates and still choose a local agent.

To find an agent, once you fill out this short form, the coverage information is emailed to companies in Hammond who will return price quotes to get your business. You don’t have to leave your computer since price quotes are sent immediately to your email address. How’s that for easy!

Choosing an auto insurance agent requires more thought than just the premium amount. Ask your prospective agent these questions:

  • How much can you save by raising your physical damage deductibles?
  • Are they able to influence company decisions when a claim is filed?
  • Is working in the agency their full-time job?
  • Do they regularly work with personal auto policies?
  • Do they feel the quoted coverages are adequate?

Hammond insurance agents come in two flavors

When finding a good insurance agency, there are a couple of different types of agents that differ in how they can insure your vehicles. Hammond agents are categorized either independent (non-captive) or captive. Either one can properly insure your vehicles, but it’s worth mentioning how they are different because it can influence your agent selection.

Agency Captives

Captive insurance agents work for only one company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to compare other company’s rates so it’s a take it or leave it situation. Captive agents are trained well on their products and sales techniques which can be an advantage.

Below is a short list of captive agencies in Hammond that can give you price quote information.

State Farm Insurance – 4515 Hohman Ave – Hammond, IN 46327 – (219) 937-3005
American Family Insurance – 7016 Indianapolis Blvd – Hammond, IN 46324 – (219) 844-1218
Allstate Insurance – 7118 Calumet Ave # N – Hammond, IN 46324 – (219) 933-1447

Independent Agencies or Brokers

Independent agencies are not employed by any specific company but rather can write business with multiple insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent.

When comparing rates, you should always contact multiple independent agents to ensure the widest selection of prices.

Shown below are Hammond independent insurance agents that can give you price quote information.

Lauer Agency – 2830 169th St # A – Hammond, IN 46323 – (219) 844-1140
Jeffrey A Peschke Insurance – 3512 169th St – Hammond, IN 46323 – (219) 845-0900
Ron J Prestamer Agency – 7207 Indianapolis Blvd # 1 – Hammond, IN 46324 – (219) 844-0103
Lake County Insurance – 6950 Indianapolis Blvd – Hammond, IN 46324 – (219) 845-0288

To view a full list of licensed insurance agents in Hammond, visit this site.

Upon receiving answers to your satisfaction and an acceptable price quote, chances are good that you have found an auto insurance agent that will provide car insurance coverage.

But what about buying insurance online?

Insurance agencies serve a purpose, but you also have the option of buying direct over the internet. Some car insurance companies who sell through the agent channel also allow consumers to buy direct online, and online price comparisons are easy if you prefer to buy online.

If you’re concerned about not getting proper coverage when buying car insurance direct, this really isn’t an issue. Online car insurance companies that allow you to purchase coverage give you access to trained agents to walk you through the process.

Are online companies cheaper? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because of the number of factors that influence your rates. It’s logical to say that a shopper who purchases direct saves money because there is no agent involvement. In many cases, there are high advertising and marketing costs and that can quickly cost more than paying an agent.

If you have the time, the only way to find out where you can get the lowest rate, either online or from agents, is to set aside time to compare rates from both. You can actually get different rates from the same car insurance company when they compare quotes from both. You won’t know whether online or agents have the lower rates unless you get rate quotes both ways.

Hammond Indiana insurance agency

A tidy conclusion

Consumers who switch companies do it for a number of reasons such as extreme rates for teen drivers, policy non-renewal, delays in paying claims and even not issuing a premium refund. It doesn’t matter what your reason, switching car insurance companies is less work than it seems.

As you shop your coverage around, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where an insured cut liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

Even more information is located at the Indiana Department of Insurance website. Indiana drivers can view a list of available companies, read consumer alerts, discover disciplinary actions, and get help finding coverage.

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