How to Find an Insurance Agent in Klamath Falls

If you’re trying to find a good Klamath Falls agent, you can always do the preliminary legwork for an agent online rather than looking in the yellowpages. You need a good agent that listens to you, and also decent rates too.

Drivers have multiple car insurance agents to insure vehicles with, and although it’s a good thing to be able to choose, too many choices makes it more difficult to adequately compare rates.

Klamath Falls agents for auto insurance

Educated insurance agents can answer important questions and give you someone to call. The biggest benefit of comparing insurance prices online is you may find the lowest rates but also keep your business local.

To find an agent, once you fill out this form (opens in new window), your insurance coverage information gets sent to local insurance agents in Klamath Falls who will compete to get your business. There is no need to even leave your home as quotes are delivered straight to your inbox. It doesn’t get any easier!

Picking a car insurance agent should depend on more than just a low price. These questions are important to ask:

  • Do they specialize in personal lines coverage?
  • Which members of your family are coverage by the policy?
  • If they are an independent agency, which companies do they recommend?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Are there any discounts that you might be missing?
  • Will their companies depreciate repairs to your car based on the mileage?

The type of auto insurance agent you choose is important

If you’re trying to find a reliable agent, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Insurance agencies in Klamath Falls are classified as either independent (non-captive) or captive. Both insure your vehicles, but it’s good to learn the differences since it can impact the selection process.

Captive Agents

Captive agencies can only place business with one company like American Family, State Farm and Allstate. Captives cannot give you multiple price quotes so they have no alternatives for high prices. Captive agencies receive extensive training on the products they sell which helps them compete with independent agents. Consumers sometimes purchase coverage from captives partially due to loyalty to the company and strong financial ratings.

Below are captive agencies in Klamath Falls that can give you price quote information.

  • Farmers Insurance Group – 133 S 8th St – Klamath Falls, OR 97601 – (541) 882-7303
  • Allstate Insurance – 1737 Washburn Way – Klamath Falls, OR 97603 – (541) 883-3641
  • State Farm Insurance – 4729 S 6th St # A – Klamath Falls, OR 97603 – (541) 882-6619
Independent Agents

These agents are not locked into one company so they can insure your vehicles with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent.

When searching for an agent, you should always get quotes from multiple independent agents to have the most options to choose from. Most have the option of insuring with smaller companies which can be an advantage.

Shown below is a short list of independent insurance agencies in Klamath Falls who can help you get comparison quotes.

  • Dreyer-Peterson Agency – 3820 Shasta Way – Klamath Falls, OR 97603 – (541) 884-7101
  • Simmons Agency – 3020 Shasta Way – Klamath Falls, OR 97603 – (541) 882-5555
  • Brad Zimmer Insurance – 2972 S 6th St # B – Klamath Falls, OR 97603 – (541) 883-3645
  • Double J Insurance – – Klamath Falls, OR 97603 – (541) 273-9909

For a complete listing of insurance agents in Klamath Falls, view this link.

Upon receiving answers to your satisfaction for all questions you ask as well as a affordable price, most likely you have located an auto insurance agent that is a good match to adequately provide auto insurance.

Keep your options open

Local insurance agents are a valuable resource, but Oregon consumers also have the option to buy direct from companies online. A few companies, such as Farmers Insurance and State Farm, who sell through agents in Klamath Falls also permit you to quote and buy online, so keep that in mind if the lowest rate is your goal.

If you’re worried about not getting proper coverage, that should not be a issue. Insurance companies that require consumers to choose their own coverages all provide contact methods to help you decide which coverages are appropriate.

Are car insurance rates lower online? Many people swear by it, but it’s difficult to answer since there are so many components which can raise or lower premium rates. Common sense would say that shopping online for auto insurance saves money because there is no agent involvement. But that assumption is generally incorrect because marketing their products costs a lot of money and that impacts the rates consumers pay.

Additional detailed information can be read at the Oregon Insurance Division website. Oregon consumers can read state legal mandates and laws, file complaints about a company, and learn about insurance regulations.

Other useful links include and this page on

quotes for Klamath Falls insurance

Buy online or local, you save

Budget-conscious auto insurance is definitely available on the web and also from your neighborhood Klamath Falls agents, and you should compare price quotes from both to get a complete price analysis. Some companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

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 comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to get the best coverage possible at the best price, not the least amount of coverage.