How to Find the Cheapest Auto Insurance Rates From Agencies in Bowling Green

If you’re trying to find an insurance agent in Bowling Green, Kentucky, you can always do an initial search by getting online comparison quotes in order to save time. It’s highly likely you’re looking for an excellent agent, but also the lowest possible price.

With independent agents, Allstate and State Farm all competing for business in Bowling Green, it’s difficult to determine which car insurance agent will give you the lowest rates and best service. Thankfully, you can use online quotes to assemble a group of insurance agents from which to choose.

Why do I need an agent?

Agents can answer important questions and help submit paperwork. One of the best bonuses of price shopping on the web is you can get the lowest rates but also keep your business local. And supporting local businesses is important particularly in Bowling Green.

After filling out this quick form, your coverage information is submitted to local insurance agents in Bowling Green who will battle to get your business. You never need to even leave your home due to the fact that quote results will go immediately to your email address. Now that’s easy!

Captive agents vs. Independent agents

When looking for a good insurance agency, there are two types of insurance agents that you can select. Insurance agencies in Bowling Green are classified as either captive or independent (non-captive). While both can properly insure your vehicles, but it’s important to know how they differ because it can impact the type of agent you choose

Independent Agencies or Brokers

These agents are not locked into one company so they can insure your vehicles with many different companies depending on which coverage is best. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part. When comparing rates, we recommend you get quotes from at least one independent agent to ensure the widest selection of prices.Most can insure with different regional companies which may provide better rates.

Below is a short list of independent insurance agencies in Bowling Green who may be able to give you price quote information.

  • Don Mills Agency – 1240 Ashley Cir – Bowling Green, KY 42104 – (270) 781-3520
  • Jerry Noland Agency – 1060 Shive Ln # A-1 – Bowling Green, KY 42103 – (270) 842-0202
  • Patricia A Dillard Insurance – 2317 Russellville Rd – Bowling Green, KY 42101 – (270) 842-8154
  • Hughes and Assoc Insurance Svc – 1733 Campus Plaza Ct # 17 – Bowling Green, KY 42101 – (270) 782-0865
  • Direct General Ins Agency – 1600 Campbell Ln # 104b – Bowling Green, KY 42104 – (270) 796-4080
Captive Insurance Agents

Captive agents are contracted to one company and examples are State Farm or Allstate. These agents are unable to shop your coverage around so they are skilled at selling on more than just price. These agents are very knowledgeable in insurance sales and that can be a competitive advantage. Consumers sometimes buy from captive agents partially due to the prominence of the brand and strong financial ratings.

Listed below are Bowling Green captive agencies that can give you price quote information.

  • Farm Bureau Insurance – 1911 Scottsville Rd – Bowling Green, KY 42104 – (270) 781-4664
  • Allstate Insurance – 2271 Houston Ct – Bowling Green, KY 42104 – (270) 782-7118
  • State Farm Insurance – 2427 Russellville Rd – Bowling Green, KY 42101 – (270) 793-7100
  • Shelter Insurance – 1719 Ashley Cir # 100 – Bowling Green, KY 42104 – (270) 781-5099

For a full directory of captive insurance agencies in Bowling Green, visit this site.

Selecting an insurance agency needs to be determined by more than just the premium amount. Any agent should have no problem answering these questions:

  • Do they regularly work with personal auto policies?
  • Are they able to influence company decisions when a claim is filed?
  • If you are a high risk driver, do they have special markets for your coverage?
  • How are they compensated?
  • Can they give you a list of client referrals?

Upon receiving answers to your satisfaction to any questions you have as well as a affordable price, you may have just found an auto insurance agent that is a good match to adequately provide auto insurance.

Have you considered online alternatives?

Car insurance agents are important, but Kentucky drivers can also buy direct over the internet. Some car insurance companies like State Farm and Allstate that sell primarily through agents also give you the ability to get quotes and purchase online, and that is helpful as an alternative to contacting agents.

If you’re concerned about not having an insurance agent’s advice when shopping online, that should not be a issue. Online car insurance companies provide phone numbers and online resources for getting questions answered. They also offer online help and live chat that you can use if you have questions.

Is auto insurance cheaper online? The answer is complex because there are many components that impact your rate calculation. Common sense would say that shopping online for auto insurance saves money by not requiring a commission. But the fact is, the cost of constant advertising is expensive and those expenses can offset most of the savings by selling direct.

The best insurance company isn’t always the cheapest

Budget-conscious auto insurance can be sourced from both online companies and with local Bowling Green insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. There have been many cases where an accident victim reduced liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. Your goal should be to get the best coverage possible at the best price while not skimping on critical coverages.

Bowling Green Kentucky independent agents

More Kentucky auto insurance information

Much more information about auto insurance in Kentucky can be read on the Kentucky Department of Insurance website. Click here for link. Consumers can view a list of available companies, learn about specific coverages, read state legal mandates and laws, and download brochures.

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