How to Find a Car Insurance Agent in Cape Girardeau

Selecting a car insurance company in Cape Girardeau, Missouri can be time consuming since selecting the best Cape Girardeau insurance agency for your needs is harder than just picking up the phone. The chances are good you’re not only searching for an excellent agent, but also great rates as well.

With companies like State Farm, Allstate and many independent agents having local Cape Girardeau offices, it’s hard to tell which provider will provide the best service and rates. To help decide, it’s easy to use online price quotes in order to build a list of insurance agencies and thier coverage prices.

Your local neighborhood insurance agent

Good agents can help determine the best coverages and help file insurance claims. One of the great benefits of getting online price quotes is you can get the best rates and still choose a local agent. Buying from small agencies is important particularly in Cape Girardeau.

Upon completion of this short form, the coverage information is transmitted to participating agents in Cape Girardeau who will give you bids for your insurance coverage. You never need to leave your house since price quotes are sent directly to your email. How’s that for easy! It’s the lowest rates AND a local agent.

Two types of Cape Girardeau car insurance agents

When searching for a good Cape Girardeau insurance agent, you need to know there are two types of insurance agents from which to choose. Cape Girardeau agents are either independent (non-captive) or captive.

Independent Insurance Agents

These agents are not locked into one company so they have the ability to put coverage with many different companies and potentially find a lower price. If your agent finds better pricing, the business is moved internally without you having to go to a different agency.

When comparison shopping, you should always include several independent insurance agents for maximum quote selection. Most have the option of insuring with smaller companies which can be an advantage.

Shown below is a list of independent insurance agencies in Cape Girardeau who may be able to give you rate quotes.

  • Personal Insurance – 2029 Independence St – Cape Girardeau, MO 63703 – (573) 335-7777
  • Hahs Agency – 1307 N Mount Auburn Rd – Cape Girardeau, MO 63701 – (573) 335-0187
  • Howard Aslinger Agency – 2552 Independence St – Cape Girardeau, MO 63703 – (573) 334-3921
  • Cole Insurance – 2907 Independence St – Cape Girardeau, MO 63703 – (573) 335-5511
Captive Insurance Agents

These agents are contracted to one company and some examples include Allstate, State Farm and Farmers Insurance. They usually cannot compare other company’s rates so keep that in mind. Captive agents are usually quite knowledgeable in insurance sales which can be an advantage. Some consumers prefer to buy from captive agents mainly due to the prominence of the brand and strong financial ratings.

Shown below are Cape Girardeau captive insurance agencies that are able to give rate quotes.

  • Allstate Insurance – 1301 N Kingshighway St # B – Cape Girardeau, MO 63701 – (573) 334-0996
  • Farmers Insurance Group – 75 Sheridan Dr – Cape Girardeau, MO 63703 – (573) 335-4343
  • American Family Insurance – 245 S Plaza Way – Cape Girardeau, MO 63703 – (573) 334-9585
  • Shelter Insurance – 1606 Independence St # 2 – Cape Girardeau, MO 63703 – (573) 335-5287
  • State Farm Insurance – 268 S Mount Auburn Rd – Cape Girardeau, MO 63703 – (573) 651-8989

For a complete listing of car insurance agents in Cape Girardeau, click here to link.

Deciding on an auto insurance agent shouldn’t rely on just a cheap price. Agents should be asked these questions:

  • Who is covered by the car insurance policy?
  • Which company do they place the most coverage with?
  • Are claims handled at the agent’s location?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Does the agency provide any after hours assistance?
  • How often do they review policy coverages?

After getting positive feedback to these questions and locked in a price quote, you’ve probably found an insurance agency that will insure your vehicles.

Online companies appeal to some consumers

Car insurance agents are important, but Missouri drivers can also buy from online companies direct. Some car insurance companies who have local agents in Cape Girardeau also permit you to buy direct online, and consumers should do that if you prefer not to work with an agent.

If you’re anxious about choosing your own coverages when buying car insurance direct, this is normal but is quickly overcome. Online insurance companies provide access to licensed agents for customer questions. Many online companies also provide a frequently asked questions page to clarify any questions you may have.

Do online companies have better rates? Many people think so, but it’s hard to say for sure because of the fact that insurance companies use many factors that determine the price you pay. You may think that a shopper who purchases direct saves the commission normally paid to an agent. For most companies selling online, however, marketing their products costs a lot of money and that can cost more than having to pay agents.

Cheaper insurance is a realistic goal

Lower-priced car insurance is available online and with local Cape Girardeau insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

Insureds switch companies for many reasons like delays in paying claims, high rates after DUI convictions, high prices and even policy cancellation. It doesn’t matter what your reason, choosing a new insurance company can be easier than you think.

Much more information about car insurance in Missouri can be read on the Missouri Department of Insurance website through this link. Visitors are able to read industry bulletins, read consumer alerts, and find disaster information.