How to Get the Cheapest Auto Insurance Rates From the Best Insurance Agents in Derby

Finding good auto insurance in Derby can be challenging since there are a lot of options and picking a good Kansas car insurance agent is more difficult than just randomly choosing from the yellow pages. You need a competent insurance agent, but also need the lowest rates in Derby.

You have multiple insurance agencies to pick from, and although it’s nice to have a selection, it makes it harder to compare rates and cut insurance costs.

Derby agents for auto insurance

Professional agents can answer important questions and help submit paperwork. The best thing about getting online price quotes is you may find the best rates and still choose a local agent.

After completing this simple form, your insurance coverage information is immediately sent to companies in Derby who will compete for your insurance coverage. There is no reason to visit any agencies as quotes are delivered straight to your inbox. How cool is that?! It’s the lowest rates AND a local agent.

Choosing a car insurance agent shouldn’t rely on just a cheap price. Ask your prospective agent these questions:

  • Which insurance companies are they affiliated with?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Are they able to influence company decisions when a claim is filed?
  • If you have an accident, will your rates go up?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Do they carry Errors and Omissions coverage?

To view licensed agents in Derby, please click here.

After getting good answers for all questions you ask and an acceptable price quote, you may have just found an insurance agent that meets your needs to properly insure your vehicles.

Aren’t online-only companies cheaper?

Car insurance agents are important, but you also have the option of buying direct over the internet. Certain auto insurance companies like State Farm and Allstate who have local Derby agents also give you the option to get quotes and purchase online, and that is helpful if you are the do-it-yourself type.

If you’re uneasy about whether or not you’ll have guidance when buying online, don’t let it bother you. Online insurance companies all provide contact methods for answering any questions you have. You can also use live help and 24/7 access to help you answer questions.

If you’re not set on any one company, the best way to find out if the best rates are online or from local agents is to get price quotes for both. You may actually get a different price when using both online and agent quotes from the same insurance company. But you won’t know which has the best rates unless you get rate quotes using both methods.

Will buying online save you money? The answer to that question is complicated due to the fact that there are many factors that influence the price you pay. It’s a common assumption that a consumer who buys direct prevents the agent from taking a cut. For most companies selling online, however, getting their brand in front of customers is expensive and that can cost more than having to pay agents.

To find out more about Kansas auto insurance

Even more information is located at the Kansas Insurance Department website. Kansas consumers can find disaster information, read industry bulletins, file complaints about an insurance agent or broker, and discover disciplinary actions.

The articles below may also help you learn more about auto insurance in Derby

find Kansas insurance agents

One last thing

Drivers leave their current company for a variety of reasons including high rates after DUI convictions, lack of trust in their agent, unfair underwriting practices and high prices. No matter why you want to switch, finding a great new company is not as hard as you think.

When you buy insurance online, it’s a bad idea to buy poor coverage just to save money. Too many times, an insured cut uninsured motorist or liability limits only to regret that it was a big error on their part. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.