How to Get the Right Insurance Agent in Greenville

Comparing car insurance rates in Greenville can be a lot of work since you have many choices and finding the best Mississippi auto insurance agent is harder than just calling the closest agent. Consumers need a great agent that can assess your needs, and also affordable rates.

Big companies like State Farm, Progressive and Geico all claim big savings with ad campaigns and it is challenging if not impossible to see past the geckos and flying pigs and do the work needed to find the best deal.

Working with a local agent

Professional agents can answer important questions and help submit paperwork. The best thing about comparing rates online is you can get the lowest rates but also keep your business local.

Upon completion of this short form, your insurance data is instantly submitted to companies in Greenville who will return price quotes for your insurance coverage. You never need to even leave your home since price quotes are sent immediately to your email address. How cool is that?!

Selecting an insurance agent requires more thought than just the bottom line cost. These are valid questions to ask:

  • How much will you save each year by using a higher deductible?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Do they feel the quoted coverages are adequate?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Are they properly licensed to sell insurance in Mississippi?
  • What insurance companies do they recommend if they are an independent agent?

Captive and independent Greenville insurance agencies

If you’re trying to find an insurance agent, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Agents are classified as either captive or independent. Both insure your vehicles, but it’s good to learn the difference between them because it can influence the selection process.

Captive Agents

These agents have only one company to place business with like Liberty Mutual, State Farm, Allstate and AAA. They are unable to shop your coverage around so it’s a take it or leave it situation. Captives are well schooled on the products they sell and that can be a competitive advantage. Consumers often purchase coverage from captives mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.

Below are Greenville captive agents that are able to give price quotes.

  • State Farm Insurance – 1589 S Main St – Greenville, MS 38701 – (662) 378-2202
  • Shelter Insurance – 365 W Reed Rd # D – Greenville, MS 38701 – (662) 332-1111
  • Allstate Insurance – 1429 S Main St # 103 – Greenville, MS 38701 – (662) 335-3534
Independent Insurance Agents

These agents are not required to write business for one company so they can insure your vehicles with multiple insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies. When shopping rates, we recommend you include price quotes from multiple independent agents to have the most options to choose from. Many write coverage with smaller regional carriers which may provide better rates.

Shown below is a list of independent agencies in Greenville willing to provide price quote information.

  • Higgins Insurance – 116 S Poplar St – Greenville, MS 38701 – (662) 334-9444
  • Direct General Ins Agency – 1632 Highway 1 S – Greenville, MS 38701 – (662) 378-3006
  • John Parrish Agency – 1417 Trailwood Dr # E – Greenville, MS 38701 – (662) 332-7535
  • George Bell Insurance – 129 Highway 1 S – Greenville, MS 38701 – (662) 334-3310

To view a complete directory of car insurance agents in Greenville, visit this site.

After getting reasonable responses to all your questions as well as a affordable price, you have narrowed it down to a car insurance agent that is a good match to properly service your car insurance policy.

Aren’t online-only companies cheaper?

Licensed agents are important to many people, but Mississippi car insurance can also be bought direct from companies that only sell online. Some car insurance companies who have local Greenville agents also allow consumers to buy direct on their websites. This is something to consider and can also potentially find you lower rates.

If you’re anxious about not getting proper coverage when shopping online, don’t sweat it. Companies provide toll-free numbers for getting the best coverage.

The only method to determine if the cheapest policy comes from an agent or online is to set aside time to compare rates from both. It’s even possible to receive different pricing from the SAME company when using both online and agent quotes.

Can you save money buying online? The answer to that question is complicated because of the number of factors that impact your final bill. You may think that shopping direct cuts out the agent as a middleman. For most online online companies, however, marketing expenses are significant and that impacts the rates consumers pay.

Additional Mississippi car insurance resources

Additional detailed information can be read at the Mississippi Insurance Department website. Consumers can discover disciplinary actions, read industry bulletins, and find out which companies have the most complaints.

The following articles may also be useful.

Greenville MS insurance agency

In the end, you save

When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. In many instances, drivers have reduced uninsured motorist or liability limits only to discover later that they should have had better coverage. The proper strategy is to find the BEST coverage at an affordable rate.

Insureds change insurance companies for many reasons like denial of a claim, questionable increases in premium, high rates after DUI convictions or even delays in paying claims. It doesn’t matter what your reason, finding a new car insurance company is actually quite simple.