How to Get the Best Insurance Agency in Valparaiso

When trying to find an insurance agent in Valparaiso, Indiana, you can always do an initial search by comparing prices online to save yourself time. Chances are you’re wanting a friendly agent, but you also want to find great rates as well.

With American Family, Allstate, State Farm and Farmers having local Valparaiso offices, it’s hard to tell which provider will have the lowest rates and best service. To help decide, consumers can use online quoting to get a list of insurance agencies and thier coverage prices.

Local Valparaiso agents and car insurance

Good agents can help determine the best coverages and give you someone to call. The best thing about comparing insurance prices online is the fact that you can find better rates and still have an agent to talk to. And providing support for local businesses is important particularly in Valparaiso.

To help locate an agent, after submitting this short form, your insurance data is instantly submitted to local insurance agents who will battle for your insurance coverage. You don’t have to leave your house due to the fact that quote results will go straight to your inbox. How cool is that?! You can find better rates and an insurance agent to talk to.

Do you need an independent or captive insurance agent?

When looking for a good insurance agency, you must know there are a couple types of agencies to choose from. Agencies in Valparaiso are categorized either independent (non-captive) or captive.

Independent Agents (or Brokers)

These agents do not work for one specific company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency.

When searching for an agent, you should always include multiple independent agents for the best price selection.

The following is a short list of independent insurance agencies in Valparaiso that may be able to provide price quotes.

Senior Care Insurance Svc – 206 Shorewood Dr – Valparaiso, IN 46385 – (219) 464-3267
Marti Masterson Agency – 330 W Us Highway 30 # B – Valparaiso, IN 46385 – (219) 462-2166
Maxey Insurance and Assoc – 310 W Us Highway 6 – Valparaiso, IN 46385 – (219) 763-2401
Agency 1 Insurance Inc – 4004 Campbell St – Valparaiso, IN 46385 – (219) 465-4004

Agency Captives

These agents can only write with one company and examples are American Family, State Farm and Allstate. They usually cannot give you multiple price quotes so always compare other rates. Captives are trained well in insurance sales which helps them sell insurance even at higher premiums.

The following is a list of captive agents in Valparaiso willing to provide comparison quotes.

Allstate Insurance – 829 Lincolnway – Valparaiso, IN 46383 – (219) 462-7436
State Farm Insurance – 2410 Laporte Ave – Valparaiso, IN 46383 – (219) 476-7444
Shelter Insurance – 456 Morthland Dr # A – Valparaiso, IN 46383 – (219) 464-3493
Farm Bureau Insurance – 1304 Evans Ave – Valparaiso, IN 46383 – (219) 462-0591
Farmers Insurance Group – 4501 N Calumet Ave – Valparaiso, IN 46383 – (219) 465-1571

For a complete listing of car insurance agents in Valparaiso, please go to this site.

Picking an auto insurance agent shouldn’t rely on just a low price. These are valid questions to ask:

  • If you are a high risk driver, do they have special markets for your coverage?
  • What insurance companies do they recommend if they are an independent agent?
  • Is the agent and/or agency licensed to do business in Indiana?
  • How much can you save by raising your physical damage deductibles?
  • What insurance company do they write the most business with?

After getting acceptable answers for all questions you ask and a good coverage price, most likely you have located a car insurance agent that is a good match to adequately provide car insurance.

Does buying direct online save money because there is no agent?

Insurance agents are important, but you can also buy Indiana car insurance from online companies direct. Some companies like Allstate and State Farm who have local Valparaiso agents also give you the ability to quote and buy online, and consumers should do that if you’re trying to lower your rates.

If you’re concerned about not having professional advice when buying online, that shouldn’t be an issue. Auto insurance companies have toll-free phone numbers and other options for answering any questions you have.

Does car insurance cost less online? Many people think so, but it’s hard to say for sure since there may be dozens of rate factors that impact your rate calculation. It’s a logical assumption that buying car insurance online cuts out the middleman. For the majority of companies, however, getting their brand in front of customers is expensive so the rates may be similar to buying from an agent.

More consumer information in Indiana

More information is located on the website for the Indiana Department of Insurance found here. Consumers can file complaints about an insurance agent or broker, learn about insurance regulations, download brochures, and find a variety of consumer forms.

Additional helpful sites include these car insurance answers and this list of insurance agents in Valparaiso, IN.

Compare but don’t skimp

While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, an accident victim reduced liability limits or collision coverage and learned later that they should have had better coverage. The proper strategy is to find the BEST coverage for the lowest price.

Lower-priced car insurance is definitely available online as well as from independent agents in Valparaiso, and you should compare price quotes from both to have the best rate selection. Some companies don’t offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.