How to Get the Best Price from Rock Springs Car Insurance Agents

When finding a good insurance agent in Rock Springs, Wyoming, we recommend you begin your search by comparing prices online instead of making phone calls. For this article’s sake, it’s assumed you’re looking for a friendly agent, but you also want to find the best rates possible.

With insurance companies like Allstate, Farmers, State Farm and many independent agents all competing for business in Rock Springs, consumers have a hard time knowing which auto insurance agent will have the best rates, service and coverage. To begin, consumers can get online quoting to build a list of insurance agents from which to choose.

Save time by quoting online

Professional agents can answer important questions and give you someone to call. The biggest benefit of comparing insurance prices online is that you can obtain better rates but still work with a licensed agent. Supporting local insurance agencies is especially important in Rock Springs.

Once you complete this form (opens in new window), your insurance data is emailed to local insurance agents in Rock Springs who will give you bids for your business. There is no reason to even leave your home due to the fact that quote results will go to your email. Now that’s easy!

Not all car insurance agents are the same

When finding a good insurance agency, there are a couple of different types of agents that you can select. Insurance agencies in Rock Springs can either be captive or independent (non-captive). Either one can insure your vehicles, but it’s worth mentioning how they are different because it can influence your selection of an agent.

Independent Insurance Agents

Independent agencies are not locked into one company so they can insure your vehicles amongst many companies and potentially find a lower price. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part. When shopping rates, it’s a good idea to include at least one independent agent for the best price selection.

The following are Rock Springs independent agents willing to provide comparison quotes.

Hyde Insurance – 2441 Foothill Blvd – Rock Springs, WY 82901 – (307) 382-5002
Vista Insurance Svc Inc – 415 Bridger Ave – Rock Springs, WY 82901 – (307) 382-2872

Captive Insurance Agents

This type of agents can only place business with one company like State Farm, Allstate and AAA. These agents are not able to provide prices from multiple companies so always compare other rates. These agents receive extensive training in insurance sales which helps them compete with independent agents.

The following is a list of captive agents in Rock Springs willing to provide price quote information.

Farmers Insurance Group – 1695 Sunset Dr # 106 – Rock Springs, WY 82901 – (307) 362-9980
Allstate Insurance – 1471 Dewar Dr # 115 – Rock Springs, WY 82901 – (307) 362-8090
Farm Bureau Insurance – 400 2nd St # D2 – Rock Springs, WY 82901 – (307) 382-2332
State Farm Insurance – 100 Village Cir – Rock Springs, WY 82901 – (307) 362-1933

For a full directory of captive agents in Rock Springs, please click here.

Deciding on an insurance agency should depend on more than just the price. Any agent should be forthright in answering these questions:

  • If your car is totalled, how to they determine the replacement cost?
  • Are they properly licensed to sell insurance in Wyoming?
  • Is assistance available after office hours?
  • Which insurance companies are they affiliated with?
  • Can they give you a list of client referrals?
  • How many years of experience in personal lines insurance coverages do they have?
  • Do they make recommendations based only on price?

Upon receiving positive responses to these questions and locked in a price quote, most likely you have located a car insurance agent that is a good match to provide car insurance coverage.

What if I want to buy online?

Licensed agents are perfect for certain consumers, but you also have the option of buying Wyoming car insurance directly from online companies. Certain auto insurance companies who sell through agents in Rock Springs additionally provide the ability to buy online, and that can save time if you’re trying to lower your rates.

If you’re worried about not receiving proper advice when buying online, that shouldn’t be an issue. Online companies all have client service departments to answer any questions you may have. They also offer anytime access to help and a customer research section to help you answer questions.

Will you save money buying auto insurance online? The answer to that question is complicated since companies use quite a few components that impact your premium. It’s a common assumption that a consumer who buys direct saves money because there is no agent involvement. But the fact is, marketing expenses are significant so rates may not be all that different from traditional agents.

When trying to find the best rates, the only way to determine if the best rates are online or from local agents is comparing prices for both of them. It’s not unheard of to actually get different prices for the exact same company when comparing online quotes to a quote from an agent.

Summing up your car insurance search

Insureds change insurance companies for many reasons like delays in responding to claim requests, questionable increases in premium, unfair underwriting practices and even lack of trust in their agent. It doesn’t matter why you want to switch finding a new company can be easy and end up saving you some money.

While you’re price shopping online, never reduce coverage to reduce premium. There have been many cases where an accident victim reduced full coverage and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage at an affordable rate.

More information can be read on the website for the Wyoming Insurance Department through this link. Consumers can get help finding coverage, read consumer alerts, view a list of available companies, and read industry bulletins.

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