How to Find the Lowest Car Insurance Prices From Agents in Waukesha

Finding good car insurance in Waukesha can be challenging since finding the best Wisconsin car insurance agent is harder than just picking up the phone. Most likely you want a decent agent, but you also need the lowest possible price.

With companies like State Farm, Allstate and many independent agents all competing for business in Waukesha, it’s hard to tell which will have the cheapest rates and the best coverage. Fortunately, you can use online quoting to build a list of insurance agents to choose from.

Quote online but still have a local agent

Agents can help determine the best coverages and help file insurance claims. One of the great benefits of comparing insurance prices online is the fact that you can find lower rates but still work with a licensed agent. And providing support for small agencies is especially important in Waukesha.

By using this simple form, your coverage information is sent to local insurance agents in Waukesha who will give you bids to get your business. You won’t need to leave your house because quoted prices will be sent straight to your inbox. How cool is that?! It’s the lowest rates AND a local agent.

Two different types of car insurance agents

When researching a local agent, there are a couple of different types of agents from which to choose. Agents are categorized either captive or independent (non-captive).

Independent Agencies or Brokers

Independent insurance agents do not work for one specific company so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. If your agent finds better pricing, the business is moved internally and you won’t have to switch agencies. When searching for an agent, you should always contact multiple independent agents for the best price selection.

Shown below is a short list of independent agencies in Waukesha willing to provide comparison quotes.

Graffin Roozen Agency – 100 E Sunset Dr – Waukesha, WI 53189 – (262) 547-3979
Insurance Brokers Inc – 379 W Main St – Waukesha, WI 53186 – (262) 542-6557
Don De Sautelle Insurance – 145 W Main St – Waukesha, WI 53186 – (262) 542-9695
Godfrey Agency – N5w22872 Bluemound Rd – Waukesha, WI 53186 – (262) 547-4499
Rich Carrao Agency – 701 N Barstow St – Waukesha, WI 53186 – (262) 542-4676

Captive Insurance Agents

Captive insurance agents have only one company to place business with and some examples include Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to compare other company’s rates so they have no alternatives for high prices. These agents receive extensive training in insurance sales which can be an advantage.

Below is a short list of captive insurance agents in Waukesha willing to provide price quote information.

Farmers Insurance Group – S22w22660 Broadway # 3b – Waukesha, WI 53186 – (262) 547-8716
State Farm Insurance – 1701 Pearl St # 9 – Waukesha, WI 53186 – (262) 896-0101
American Family Insurance – 1425 Summit Ave # 203 – Waukesha, WI 53188 – (262) 542-6466
Allstate Insurance – 1720 Pewaukee Rd # B1 – Waukesha, WI 53188 – (262) 513-8790

For a full directory of car insurance agents in Waukesha, simply jump to this page.

Selecting an insurance agent needs to be determined by more than just a cheap price. Some important questions to ask are:

  • Are they able to influence company decisions when a claim is filed?
  • Who is covered by the car insurance policy?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Is working in the agency their full-time job?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

Upon getting positive feedback to your questions in addition to an acceptable price estimate, you’ve probably found an insurance agent that will insure your vehicles.

Can I save by eliminating the insurance agent?

Licensed agents are indespensible for some people, but you also have the option of buying Wisconsin car insurance from companies direct over the internet. Certain companies who have local Waukesha agents also give you the ability to buy online, so keep that in mind if finding the best price is important.

If you’re anxious about not having someone to ask questions when buying direct, that should not be a issue. Car insurance companies that require consumers to choose their own coverages all have client service departments for answering any questions you have. They also make available live help and an extensive research center so you can feel comfortable buying online.

Does buying online save money? Whether or not you’ll save is impossible to say since there may be dozens of rate factors that influence how your policy is priced. It’s often assumed that buying directly from the company reduces premiums because there is no agent. But in reality, marketing their products costs a lot of money and this tends to eat up any savings.

Wisconsin insurance agency

Much more information about car insurance in Wisconsin is available on the website for the Wisconsin Office of the Commissioner of Insurance. Click here for link. Consumers can find a variety of consumer forms, find out industry alerts, report car insurance fraud, and learn about specific coverages.

The following articles may also be useful.

More comparisons equals lower rates

As you shop your coverage around, you should never buy poor coverage just to save money. In too many instances, an accident victim reduced liability limits or collision coverage only to regret at claim time that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage at an affordable rate.

Cheaper car insurance can be found both online in addition to many Waukesha insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.