Selecting a car insurance company in Norman, Oklahoma can be time consuming since there are a lot of options and choosing the right Norman insurance agent takes more work than just making a phone call. It’s highly likely you’re looking for a competent insurance agent, but you also want affordable coverage.
With companies like Farmers, Allstate, and independent agents all competing for your business, it can be hard to know which insurance agency will provide you with the lowest rates and best service. Fortunately, consumers can get insurance quotes online to assemble a group of agents from which to choose.
Quote online but work with a neighborhood agent
Good agents can answer important questions and help you file claims. The biggest benefit of comparing insurance prices online is the fact that you can find the best rates and still have an agent to talk to. Supporting local insurance agencies is important especially in Norman.
To make it easy to find an agent, after completing this quick form, your information is submitted to local insurance agents who will return price quotes for your insurance coverage. You never need to even leave your home as quotes are delivered straight to your inbox. How cool is that?! It’s the lowest rates and a licensed agent to work with.
Car insurance agents in Norman come in two varieties
When finding a reputable insurance agent or broker, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Norman can either be independent (non-captive) or captive.
Independent Agents (or Brokers)
These agents are not required to write business for one company but instead can place your coverage with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency. When searching for an agent, it’s a good idea to include price quotes from multiple independent agents for the best price selection.
Below is a list of independent agents in Norman that may be able to provide comparison quotes.
Omnia Insurance Svc Inc – 111 N Peters Ave – Norman, OK 73069 – (405) 701-5368
Julie D Chew Insurance – 800 N Porter Ave – Norman, OK 73071 – (405) 329-3311
Payton Greg Insurance Agency – 111 N Peters Ave – Norman, OK 73069 – (405) 872-7000
Purcell-Prichard Agency – 705 W Main St – Norman, OK 73069 – (405) 321-6682
Valley Agency – 110 N Mercedes Dr # 300 – Norman, OK 73069 – (405) 573-9837
Captive insurance agents can only place business with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to place coverage with different providers so keep that in mind. Captive agencies are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
The following are captive agents in Norman willing to provide comparison quotes.
Shelter Insurance – 3750 W Main St # 6c – Norman, OK 73072 – (405) 366-7477
State Farm Insurance – 615 24th Ave SW # B – Norman, OK 73069 – (405) 364-6644
To view a full list of Norman captive insurance agencies, go to this page.
Selecting an insurance agency shouldn’t rely on just a low price. These questions are important to ask:
- What are the financial ratings for the companies they represent?
- Do they make recommendations based only on price?
- How are they compensated?
- Can glass repairs be made at your home?
- Will your rates increase after a single accident?
- Are claim adjusters local or do you have to take your car somewhere else?
- Does the company allow you to choose your own collision repair facility?
- Are they able to influence company decisions when a claim is filed?
Once you have satisfactory answers to these questions and a good coverage price, it’s possible that you found a car insurance agent that will properly insure your vehicles.
Do online companies have better prices?
Professional insurance agents are a valuable resource, but Oklahoma car insurance can also be bought direct from companies that only sell online. A few companies that are more known for using agents, also give you the ability to get a quote and buy online, so keep that in mind.
If you’re uneasy about not getting advice from an agent, that is quite common when buying online the first time. Car insurance companies provide customer service to answer any questions you may have.
Does car insurance cost less online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there are many things that impact your final bill. It’s logical to say that a consumer who buys direct saves by not paying a commission. For the majority of companies, however, there are high advertising and marketing costs so rates may not be all that different from traditional agents.
More consumer information in Oklahoma
Additional information can be read on the website for the Oklahoma Insurance Department located here. Consumers can view agent and company licensing information, find disaster information, discover disciplinary actions, and find a variety of consumer forms.
Other useful links include III.org’s auto insurance page and this page of insurance agents in Norman.
And the best car insurance company is…
Cheap car insurance can be found from both online companies as well as from independent agents in Norman, and you should compare price quotes from both to have the best rate selection. Some insurance providers don’t offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.
People leave their current company for a variety of reasons including policy cancellation, an unsatisfactory settlement offer, delays in responding to claim requests and even high prices. Whatever your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.