How to Compare Car Insurance Rates From Bethel Insurance Agents

If you’re trying to find a licensed insurance agent in Bethel, it’s recommended you do an initial search for an agent online to save yourself time. You need a highly trained agent, and also the best price on car insurance.

Companies like State Farm, Geico and Farmers Insurance constantly bombard you with ad campaigns and it is difficult to ignore the flashy ads and effectively compare rates to find the best deal.

Save time by quoting online

Professional agents can answer important questions and help submit paperwork. The best thing about comparing rates online is the fact that you can find the best rates but also keep your business local.

To find an agent, once you fill out this short form, the quote information is sent to insurance agents in Bethel who will return price quotes for your coverage. There is no need to leave your house due to the fact that quote results will go to the email address you provide. How cool is that?!

Selecting an insurance agency needs to be determined by more than just the premium amount. Agents should be asked these questions:

  • How are they compensated?
  • If they are an independent agency, which companies do they recommend?
  • Can they provide you with a list of referrals?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Which insurance companies are they affiliated with?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?

Different types of insurance agents in Bethel

When finding a good insurance agency, you must know there are a couple types of agencies to choose from. Bethel agents are classified as either captive or independent (non-captive). Both types can write coverage properly, but it’s worth mentioning how they are different because it can impact buying decisions.

Captive Agents

Captive insurance agents work for only one company such as State Farm or Allstate. These agents are unable to compare other company’s rates so they are skilled at selling on more than just price. These agents are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.

Listed below is a list of captive insurance agents in Bethel who can help you get rate quotes.

Allstate Insurance – 401 Ridgecrest Dr # B – Bethel, AK 99559 – (907) 543-2934

Independent Agencies or Brokers

Independent agents are not locked into one company but rather can write business with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies. When comparison shopping, you should always include price quotes from multiple independent agents to get the best comparison.

Upon receiving positive feedback to your questions and locked in a price quote, you have narrowed it down to an insurance agent that will adequately provide car insurance.

What if I want to buy online?

Car insurance agents serve a purpose, but you can also find affordable Alaska auto insurance direct from companies online. Some specific companies, such as State Farm, Allstate and Farmers, who have local Bethel agents also give you the ability to buy direct online, and online price comparisons are easy.

If you’re anxious about not getting proper coverage, don’t sweat it. Insurance companies have customer service departments for getting the best coverage. You may also access 24/7 live help and a car insurance FAQ section that you can use before buying.

Does it save money buying online? Many people swear by it, but it’s difficult to answer since there are so many components that determine your policy premium. Common logic is that buying online cuts out the agent as a middleman. For the majority of companies, however, marketing their products costs a lot of money so the rates may be similar to buying from an agent.

If you just want to find lower premiums, the most effective way to determine if car insurance prices are lower online or from agents is comparing rate quotes from both. It’s fairly common that you receive different coverage costs from the same car insurance company when they use both methods. It’s difficult to tell whether online or agents have the lower rates until after comparing identical coverage quotes utilizing both methods.

Better coverage you can count on

Consumers change insurance companies for many reasons like unfair underwriting practices, policy cancellation, poor customer service and even delays in responding to claim requests. No matter why you want to switch, switching car insurance companies is not as hard as you think.

best Bethel insurance agency

As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where drivers have reduced liability coverage limits to discover at claim time that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at an affordable rate.

Even more information can be read at the Alaska Division of Insurance website. Visitors are able to read enforcement actions against agents and companies, find out which companies have the most complaints, and download brochures.

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