How to Find the Best Auto Insurance Rates From Insurance Agents in Hurricane

When finding an insurance agent in Hurricane, WV, it’s recommended you start your search online to save time. Consumers require a friendly agent, but also need the best auto insurance prices in Hurricane.

Numerous auto insurance agents battle for your insurance dollar, and because of this it can be hard to compare auto insurance agents and get the definite lowest cost out there.

Price shop online but buy from a local Hurricane agent

Educated insurance agents can point out coverage gaps and help file insurance claims. One of the great benefits of getting online price quotes is that you can obtain the lowest rates and still choose a local agent.

Once you complete this quick form, your insurance coverage information is sent to agents in your area who will battle for your coverage. You don’t have to leave your computer as quotes are delivered immediately to your email address. How cool is that?!

Deciding on an auto insurance agent should depend on more than just a cheap price. Agents should be asked these questions:

  • If you have an accident, will your rates go up?
  • Is the agent and/or agency licensed to do business in West Virginia?
  • Will their companies depreciate repairs to your car based on the mileage?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • What insurance companies do they work with?

Independent or Captive: It’s your choice

When looking for a good Hurricane insurance agent, there are a couple of different types of agents to choose from. Agencies in Hurricane are categorized either independent or captive. Both properly insure your vehicles, but it’s good to learn how they differ since it may influence the selection process.

Captive Insurance Agents

These agents work for only one company and some examples include AAA, Allstate and State Farm. They usually cannot give you multiple price quotes so always compare other rates. Captive agencies are usually quite knowledgeable on the products they sell which can be an advantage. Consumers frequently buy from captive agents mainly due to loyalty to the company and strong financial ratings.

Below is a list of captive agents in Hurricane willing to provide rate quotes.

  • Allstate Insurance – 3857 Teays Valley Rd # 4 – Hurricane, WV 25526 – (304) 757-1381
  • Liberty Mutual Insurance – 113 Liberty Sq – Hurricane, WV 25526 – (304) 757-4220
  • State Farm Insurance – 2805 Main St – Hurricane, WV 25526 – (304) 562-9000
Independent Insurance Agents

Independent insurance agents are not locked into one company but instead can place your coverage with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house and you won’t have to switch agencies.

When searching for an agent, we recommend you include price quotes from at a minimum one independent agency for the best price selection.Many can place coverage with smaller companies which can be an advantage.

Shown below are independent agents in Hurricane that can give you rate quotes.

  • Liberty Mutual Insurance – 113 Liberty Sq – Hurricane, WV 25526 – (304) 757-4220
  • United American Insurance Co – 101 Carriage Pt # 102 – Hurricane, WV 25526 – (304) 757-2757

To view a full list of auto insurance agents in Hurricane, go to this page.

Upon getting acceptable answers to these questions as well as a affordable price, you’ve probably found a car insurance agent that can properly insure your vehicles.

Can you find lower rates by buying online?

Professional insurance agents are perfect for certain consumers, but you can also buy West Virginia car insurance direct online. Some companies like State Farm and Allstate that are more known for using agents, also give you the ability to buy direct online, and online price comparisons are easy if you are the do-it-yourself type.

If you’re worried about having to choose coverages yourself when buying car insurance direct, this is expected but don’t let that bother you. Online insurance companies that allow you to purchase coverage have customer service departments that you can contact for information.

Is it cheaper to buy car insurance online? Whether or not you’ll save is impossible to say because of the number of factors that impact your rate calculation. It’s a logical assumption that buying online lowers rates due to not having any agent compensation. For the majority of companies, however, advertising budgets are huge so rates may not be all that different from traditional agents.

The best insurance company isn’t always the cheapest

Affordable auto insurance can be found on the web as well as from independent agents in Hurricane, so you should be comparing quotes from both to have the best rate selection. Some insurance providers don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.

Consumers switch companies for any number of reasons including being labeled a high risk driver, high prices, not issuing a premium refund and even denial of a claim. It doesn’t matter why you want to switch finding a great new company can be pretty painless.

find West Virginia insurance agents

For more West Virginia auto insurance information

Additional detailed information can be found at the West Virginia Insurance Commission website. Visitors are able to find out industry alerts, find out which companies have the most complaints, and discover disciplinary actions.

Also read more on this page for auto insurance in West Virginia and this page for help finding agents in Hurricane, WV.