How to Find a Good Car Insurance Provider in Plattsmouth

When searching for a good insurance agent in Plattsmouth, NE, we recommend you do an initial search on the internet to save yourself time. Consumers need a good agent that listens to you, and also want to find the cheapest rates you can possibly find.

With so many insurance companies to choose from, it’s nearly impossible to locate the lowest price company.

Local Plattsmouth agents and car insurance

Agents can help determine the best coverages and help file insurance claims. The biggest benefit of comparing insurance prices online is you may find lower rates but still work with a licensed agent.

By using this short form, your insurance coverage information gets sent to agents in your area who will battle for your insurance coverage. You never need to visit any agencies as quotes are delivered immediately to your email address. How’s that for easy!

Deciding on an insurance agent shouldn’t rely on just the bottom line cost. Some important questions to ask are:

  • How long has their agency been open in Plattsmouth?
  • If you have an accident, will your rates go up?
  • Who is covered by the car insurance policy?
  • How much will you save each year by using a higher deductible?
  • How often do they review policy coverages?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Which company do they place the most coverage with?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?

Is a captive or independent auto insurance agent right for you?

When researching an insurance agent, there are two types of agencies to choose from. Agencies in Plattsmouth are either captive or independent (non-captive). While both can properly insure your vehicles, but it’s worth learning how they differ because it can impact buying decisions.

Captive Insurance Agents

Captive agents are contracted to one company and examples are Allstate, Farmers Insurance or State Farm. They generally cannot compare other company’s rates so always compare other rates. These agents are well schooled on their company’s products and that can be a competitive advantage. Some people will only purchase coverage from captives primarily because of the brand legacy and strong financial ratings.

Shown below are Plattsmouth captive agents that can give you comparison quotes.

  • Farm Bureau Insurance – 2302 8th Ave # 1 – Plattsmouth, NE 68048 – (402) 296-4999
Independent Insurance Agents

These agents are not required to write business for one company but rather can write business with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent. When comparison shopping, we recommend you get quotes from at a minimum one independent agency for the best price selection.Most can insure with smaller regional carriers who may have lower rates.

Shown below are Plattsmouth independent insurance agents who can help you get price quotes.

  • John W Fincher Insurance – 2380 8th Ave # 6 – Plattsmouth, NE 68048 – (402) 296-3350
  • Terri Scholting Agency Inc – 601 Main St – Plattsmouth, NE 68048 – (402) 296-5234
  • New Frontier Insurance – 501 Main St – Plattsmouth, NE 68048 – (402) 296-3779

To view a full list of licensed insurance agents in Plattsmouth, simply jump to this page.

Once you have received positive responses to all your questions and an affordable coverage quote, chances are good that you have found a car insurance agent that is a good match to properly insure your vehicles.

Can you find lower rates by buying online?

Insurance agencies are a valuable resource, but you can also find affordable Nebraska auto insurance from online companies direct. Some car insurance companies that are more known for using agents, additionally provide the ability to buy direct online, and consumers should do that if you are the do-it-yourself type.

If you’re concerned about not having an insurance agent’s advice when buying car insurance direct, don’t sweat it. Auto insurance companies all have client service departments for getting the best coverage. They also have a frequently asked questions page to help you answer questions.

Is auto insurance cheaper online? It’s hard to say exactly because of the number of factors that influence how your policy is priced. It’s often assumed that buying directly from the company saves money by not requiring a commission. For most companies selling online, however, promoting brand recognition is pricey so there may not be significant savings.

Additional detailed information can be found at the Nebraska Department of Insurance website. Consumers can find out industry alerts, learn about insurance regulations, find a variety of consumer forms, and file complaints about an insurance agent or broker.

Other informative sites include’s auto insurance page and this link where you can get more info about Plattsmouth coverage.

Smart consumers save more

Consumers switch companies for any number of reasons including delays in paying claims, not issuing a premium refund, extreme rates for teen drivers or questionable increases in premium. It doesn’t matter why you want to switch finding a great new company is not as hard as you think.

The cheapest car insurance can be sourced from both online companies and with local Plattsmouth insurance agents, and you should compare price quotes from both to have the best selection. Some car insurance companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.