When shopping for car insurance, selecting the best North Platte insurance agent for your needs is harder than just calling the closest agent. Consumers need a competent insurance agent, and also want to find the best price on car insurance.
Drivers have multiple auto insurance agents to choose from, and although it’s a good thing to have a selection, it makes it harder to find the lowest cost provider.
Car Insurance from North Platte insurance agents
Licensed agents can help determine the best coverages and give you someone to call. One of the best bonuses of getting online price quotes is that you can obtain better rates but also keep your business local.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is transmitted to participating agents in North Platte who will give you bids for your coverage. You never need to visit any agencies since price quotes are sent to the email address you provide. It doesn’t get any easier!
Picking an auto insurance agent shouldn’t rely on just the bottom line cost. Here are some questions to ask:
- If they are an independent agency, which companies do they recommend?
- Will their companies depreciate repairs to your car based on the mileage?
- If you are a high risk driver, do they have special markets for your coverage?
- Is assistance available after office hours?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- How often do they review policy coverages?
Independent or Captive: It’s your choice
When finding an insurance agent, there are a couple of different types of agents that you can select. Agents are categorized either captive or independent. Both types can do a good job, but it’s worth learning how they differ since it may influence your agent selection.
Captive Insurance Agents
These agents are contracted to one company such as Allstate, Farmers Insurance or State Farm. They generally cannot place coverage with different providers so they have to upsell other benefits. Captive agents receive extensive training on the products they sell which helps them compete with independent agents.
Listed below are North Platte captive insurance agents that can give you price quote information.
American Family Insurance – 419 W 4th St – North Platte, NE 69101 – (308) 532-6264
Shelter Insurance – 907 S Willow St – North Platte, NE 69101 – (308) 532-7359
Farmers Insurance Group – 103 N Dewey St – North Platte, NE 69101 – (308) 532-0611
Farm Bureau Insurance – 515 S Jeffers St – North Platte, NE 69101 – (308) 534-9694
State Farm Insurance – 620 W Leota St – North Platte, NE 69101 – (308) 532-9782
Independent Insurance Agents
Independent insurance agents are not required to write business for one company so they have the ability to put coverage with lots of companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent.
When comparison shopping, it’s a good idea to contact several independent insurance agents to have the most options to choose from.
Shown below is a short list of independent insurance agencies in North Platte that can give you rate quotes.
Cain Agency Insurance – 102 N Dewey St – North Platte, NE 69101 – (308) 534-9292
Writer Agency – 202 W 2nd St – North Platte, NE 69101 – (308) 532-4149
Insurance Store Inc – 518 S Jeffers St # 1 – North Platte, NE 69101 – (308) 532-5713
Tim Malmkar Agency – 105 W D St – North Platte, NE 69101 – (308) 534-1080
Young Insurance – 202 S Bailey Ave – North Platte, NE 69101 – (308) 534-9050
For a complete listing of North Platte insurance agents, click here to link.
After receiving satisfactory answers to your questions and an affordable coverage quote, it’s possible that you found an insurance agent that will provide car insurance coverage.
But what about buying coverage online?
Insurance agencies are perfect for certain consumers, but you can also buy Nebraska car insurance direct from companies that only sell online. Some car insurance companies, such as Farmers Insurance and State Farm, who sell through the agent channel also permit you to quote and buy online, so keep that in mind if you are the do-it-yourself type.
If you’re uneasy about whether or not you’ll have guidance, this is normal but is quickly overcome. Companies provide customer service to answer your questions.
Are car insurance rates lower online? Many people think so, but it’s hard to say for sure because there are so many things that determine the price you pay. It’s logical to say that shopping direct prevents the agent from taking a cut. But in most cases, it’s expensive to advertise so this can offset any savings.
Cheaper insurance is a realistic goal
Low-cost car insurance can be bought online and with local North Platte insurance agents, and you need to price shop both to have the best selection. There are still a few companies who do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.
Consumers who switch companies do it for a variety of reasons including denial of a claim, being labeled a high risk driver, an unsatisfactory settlement offer or lack of trust in their agent. It doesn’t matter why you want to switch switching companies can be easy and end up saving you some money.
More tips and info about car insurance is available at the Nebraska Department of Insurance website. Nebraska drivers can find a variety of consumer forms, get help finding coverage, find out which companies have the most complaints, and view a list of available companies.
These articles may also be worth reading.