Selecting a car insurance company in Mishawaka, Indiana can be time consuming since there are a lot of options and picking a good Indiana auto insurance agent takes more work than just driving to the closest agent’s office. The chances are good you’re looking for an excellent agent, but you also want great rates as well.
With companies like Allstate, Farmers, State Farm and many independent agents having local Mishawaka offices, it can be hard to know which one will give you the lowest rates and best service. To begin, consumers can get online quotes to build a list of insurance agencies and price estimates.
Buying car insurance from a local Mishawaka agent
Licensed agents can answer important questions and give you peace of mind. One of the best bonuses of getting online price quotes is that you can obtain better rates but also keep your business local. And supporting local businesses is especially important in Mishawaka.
By using this form (opens in new window), your insurance coverage information is immediately sent to agents in your area who will compete to get your business. There is no reason to leave your computer because quoted prices will be sent directly to your email. It doesn’t get any easier! It’s the lowest rates and an insurance agent to talk to.
The difference between Mishawaka car insurance agents
When searching for a reliable agent, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Agencies in Mishawaka are classified as either captive or independent.
Independent Agents (or Brokers)
Independent agencies are not employed by any specific company but instead can place your coverage amongst many companies depending on which coverage is best. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part.
When comparing rates, it’s recommended you get quotes from multiple independent agents to get the best comparison. They often place coverage with lesser-known insurance companies which may provide better rates.
Shown below are independent agencies in Mishawaka who may be able to give you comparison quotes.
- James A Taylor Agency – 3025 Grape Rd – Mishawaka, IN 46545 – (574) 255-3609
- Schaeffer Insurance – 14161 Mckinley Hwy – Mishawaka, IN 46545 – (574) 287-7929
- Waterfield Insurance Agency – 2410 Grape Rd # 5b – Mishawaka, IN 46545 – (574) 232-6931
- Sanders Agency Inc – 202 Lincoln Way E # 4 – Mishawaka, IN 46544 – (574) 255-1875
- National Auto Insurance – 2215 N Main St – Mishawaka, IN 46545 – (574) 256-7080
Captive agencies can only place business with one company and some examples include Liberty Mutual, State Farm, Allstate and AAA. They usually cannot compare other company’s rates so keep that in mind. Captive agencies receive extensive training on their company’s products and that can be a competitive advantage. Consumers frequently choose to use a captive agent mostly because of the brand legacy and strong financial ratings.
The following is a short list of captive agents in Mishawaka that can give you price quote information.
- Farmers Insurance Group – 55966 Fir Rd – Mishawaka, IN 46545 – (574) 255-4455
- Farm Bureau Insurance – 236 W Edison Rd # G – Mishawaka, IN 46545 – (574) 259-9947
- Liberty Mutual Insurance – 5670 Grape Rd – Mishawaka, IN 46545 – (574) 273-0866
- Allstate Insurance – 245 W Edison Rd # 220 – Mishawaka, IN 46545 – (574) 258-5616
- State Farm Insurance – 118 W Edison Rd – Mishawaka, IN 46545 – (574) 258-6200
For a complete listing of Mishawaka captive insurance agencies, go to this page.
Choosing a car insurance agent needs to be determined by more than just a cheap price. Any agent should have no problem answering these questions:
- What insurance companies do they work with?
- Do they regularly work with personal auto policies?
- Did they already check your driving record and credit reports?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Are you getting all the discounts the company offers?
After receiving positive responses for all questions you ask and a good coverage price, it’s possible that you found a car insurance agent that will insure your vehicles.
Online companies can help you save
Professional insurance agents are perfect for certain consumers, but you also have the option of buying direct over the internet. A few companies like Allstate and State Farm that sell primarily through agents also allow you to get a quote and buy online. This is something to consider if you want to do it yourself.
If you’re apprehensive about not getting proper coverage when buying car insurance direct, that is quite common when buying online the first time. All companies that allow you to purchase coverage have customer service departments to walk you through the process. You can also use help pages and frequently asked questions to clarify any questions you may have.
Are online premiums lower? That is a tough question to answer because there are a lot of things that impact your final bill. It would make sense to think that buying direct prevents the agent from taking a cut. In reality, online and traditional media advertising are expensive and that can cost more than having to pay agents.
Much more information about car insurance in Indiana can be read on the Indiana Department of Insurance website. Click here for link. Visitors are able to read enforcement actions against agents and companies, get help finding coverage, find disaster information, and file complaints about a company.
Online plus local equals savings
Low-cost car insurance can be purchased on the web as well as from independent agents in Mishawaka, and you should compare price quotes from both to have the best chance of lowering rates. A few companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.
As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. Too many times, someone dropped physical damage coverage and learned later that it was a big error on their part. The aim is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.