How to Find the Best Insurance Agent in Midvale

To find a good Midvale agent, it’s recommended you start your research on the web rather than looking in the yellowpages. There is a good chance that not only do you want a professional licensed agent, but you also want the best rates possible.

With insurance companies like State Farm, Allstate and many independent agents having local Midvale offices, it’s hard to tell which will give you the best rates, service and coverage. To help decide, it’s easy to use online quotes to get a list of insurance agencies to choose from.

Comparing rates from local agents

Good agents can help determine the best coverages and help file insurance claims. One of the best bonuses of price shopping on the web is you may find the lowest rates and still have an agent to talk to. Buying from small agencies is definitely important in Midvale.

After filling out this simple form, your information gets sent to participating agents in Midvale who will compete for your coverage. You don’t have to drive around because quoted prices will be sent to the email address you provide. How cool is that?!

Two different types of auto insurance agents

When looking for an insurance agent, there are a couple of different agency structures that differ in how they can insure your vehicles. Midvale agents are classified as either captive or independent. Both types can do a good job, but it’s important to know how they are different since it may influence the type of agent you choose

Independent Agents (or Brokers)

Independent agents are not required to write business for one company but rather can write business with many different companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house and you won’t have to switch agencies. When comparing rates, we recommend you get quotes from at least one independent agent for the best price selection.

Below is a short list of independent agents in Midvale who may be able to give you rate quotes.

Aspen Group Insurance – 7190 S State St # 238 – Midvale, UT 84047 – (801) 233-8411
Ron Clark Insurance Svc – 6909 S State St # 3 – Midvale, UT 84047 – (801) 562-2000

Captive Insurance Agents

These agents work for only one company like Allstate, Farmers Insurance, State Farm and AAA. They are unable to compare other company’s rates so they have no alternatives for high prices. Captive agencies are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage.

The following is a list of captive insurance agencies in Midvale willing to provide comparison quotes.

Allstate Insurance – 7044 S State St – Midvale, UT 84047 – (801) 561-9300
Farmers Insurance Group – 7065 S State St # 3 – Midvale, UT 84047 – (801) 563-3300
State Farm Insurance – 7026 S 900 E # A – Midvale, UT 84047 – (801) 566-7263

For a complete listing of car insurance agents in Midvale, visit this site.

Deciding on an insurance agent shouldn’t rely on just the premium amount. Agents should be asked these questions:

  • If your car is totalled, how to they determine the replacement cost?
  • What insurance companies do they work with?
  • Are claims handled at the agent’s location?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Can glass repairs be made at your home?

After receiving answers to your satisfaction as well as a affordable price, you’ve probably found an insurance agency that is a good match to properly insure your vehicles.

Are Progressive, GEICO and Esurance cheaper?

Car insurance agents are important to many people, but Utah drivers can also buy direct from companies online. A few companies that are more known for using agents, also permit you to buy online, so that should be considered if you don’t want to take the time to contact agents.

If you’re uneasy about not having professional advice when buying car insurance direct, don’t sweat it. Companies have toll-free phone numbers and other options for customer questions. They also make available anytime access to help and a customer research section to help you make a buying decision.

Is auto insurance cheaper online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because of the number of factors that influence the price you pay. It’s often assumed that going direct saves the commission normally paid to an agent. But in most cases, there are high advertising and marketing costs and those expenses can offset most of the savings by selling direct.

Much more information about car insurance in Utah is located on the website for the Utah Insurance Department. Click here for link. Visitors are able to find out which companies have the most complaints, read consumer alerts, and file complaints about a company.

Additional helpful sites include NAIC.org’s Understanding your Policy and QuoteClickSave.com.

Quote more, save more

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. There are many occasions where drivers have reduced liability coverage limits to discover at claim time they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Low-cost car insurance can be found from both online companies as well as from independent agents in Midvale, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.