When finding a licensed insurance agent in Thermopolis, you can start your research online instead of making phone calls. You need a decent agent, and also competitive car insurance rates.
Since consumers have many online and local companies to choose from, it is very difficult to choose the right insurance company.
Local Thermopolis agents and car insurance
Agents can answer important questions and give you peace of mind. One of the great benefits of price shopping on the web is you may find lower rates but also keep your business local.
To help locate an agent, after submitting this short form, your insurance data gets sent to participating agents in Thermopolis who will give you bids for your business. You won’t need to even leave your home due to the fact that quote results will go immediately to your email address. How’s that for easy! You can find the lowest rates AND an agent nearby.
Picking an auto insurance agent needs to be determined by more than just the bottom line cost. Here are some questions to ask:
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is working in the agency their full-time job?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Did they already check your driving record and credit reports?
The difference between Thermopolis car insurance agents
When looking for a reputable insurance agent or broker, you need to know there are two types of agencies that differ in how they can insure your vehicles. Insurance agencies in Thermopolis can either be independent (non-captive) or captive.
Agency Captives
Captive insurance agents can only place business with one company and examples are Allstate, Farmers Insurance, State Farm and AAA. They are unable to shop your coverage around so always compare other rates. Captive agents are very knowledgeable on their products and sales techniques which can be an advantage. Some people will only buy insurance from these agents mostly because of loyalty to the company and the convenience of having all coverages with one company.
Shown below are captive agencies in Thermopolis that are able to give price quotes.
- State Farm Insurance – 403 Broadway St – Thermopolis, WY 82443 – (307) 864-5501
Independent Agencies or Brokers
These agents do not work for one specific company so they have the ability to put coverage with lots of companies depending on which coverage is best. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to find a new agent.
When comparison shopping, it’s a good idea to get quotes from at least one independent agent for the best price selection. They also have the ability to place coverage with smaller regional carriers which can save you money.
Shown below are Thermopolis independent insurance agents willing to provide price quotes.
- Rams Head Insurance – 339 Arapahoe St – Thermopolis, WY 82443 – (307) 864-2156
- Robert Gudgeon Agency – 210 S 7th St – Thermopolis, WY 82443 – (307) 864-2598
For a complete listing of Thermopolis insurance agents, please click here.
Once you have received answers to your satisfaction to all your questions and an acceptable price quote, you may have just found an auto insurance agent that will adequately provide car insurance.
Alternatives to buying locally
Auto insurance agents are important to many people, but you can also buy Wyoming car insurance from companies direct over the internet. Certain companies who employ agents also let you get a quote and buy online, and online price comparisons are easy.
If you’re anxious about not having someone to ask questions, that is quite common when buying online the first time. Online car insurance companies have customer service departments for getting the best coverage.
Does car insurance cost less online? Many people swear by it, but it’s difficult to answer because there are many factors that influence your rates. You may think that a customer who purchases direcly from an online company saves by not paying a commission. But that assumption is generally incorrect because there are high advertising and marketing costs so this can offset any savings.
Quote more, save more
The cheapest car insurance can be found from both online companies in addition to many Thermopolis insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.
Drivers leave their current company for a variety of reasons including delays in paying claims, extreme rates for teen drivers, not issuing a premium refund or denial of a claim. No matter why you want to switch, choosing a new company can be easier than you think.
Additional detailed information can be found at the Wyoming Insurance Department website. Consumers can read state legal mandates and laws, read industry bulletins, learn about specific coverages, and find out industry alerts.
