When pricing car insurance in Paragould, AR, there are a lot of options and picking a good Arkansas car insurance agent is more difficult than just driving to the closest agent’s office. Consumers need a good agent that listens to you, and also want to find the lowest rates for car insurance in Paragould.
Consumers have many car insurance agents to purchase coverage from, and even though it’s nice to have multiple companies, lots of choices makes it harder to find a good deal.
Comparing prices from Paragould agents
Professional agents can help determine the best coverages and give you someone to call. One of the great benefits of comparing rates online is you may find the lowest rates and still have an agent to talk to.
To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is submitted to local insurance agents who will give you bids for your business. You won’t need to even leave your home since price quotes are sent directly to your email. How cool is that?!
Picking a car insurance agent should depend on more than just the price. These questions are important to ask:
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- If you have an accident, will your rates go up?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Do they assist clients in filing claims?
- Do they have any clout with companies to ensure a fair claim settlement?
- Does the agency provide any after hours assistance?
- Will their companies depreciate repairs to your car based on the mileage?
- Does the agent have professional designations like CIC, CPCU or AIC?
Pick the best auto insurance agent in Paragould for you
When researching a good Paragould insurance agent, you must know there are a couple different types of agents to choose from. Insurance agencies in Paragould can either be independent (non-captive) or captive. Both properly insure your vehicles, but it’s worth mentioning the differences since it can impact buying decisions.
Captive Insurance Agents
These agents write business for a single company and some examples include American Family, State Farm and Allstate. They generally cannot place coverage with different providers so keep that in mind. These agents are trained well on their company’s products and that can be a competitive advantage.
The following are captive insurance agents in Paragould that are able to give rate quotes.
Allstate Insurance Co – 4500 W Kingshighway – Paragould, AR 72450 – (870) 236-2901
Farmers Insurance Group – 104 Center Hill Plz – Paragould, AR 72450 – (870) 239-2588
Shelter Insurance – 148 Linwood Dr – Paragould, AR 72450 – (870) 239-2261
Independent Agents (or Brokers)
Independent agents are not locked into one company but rather can write business with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent.
When comparison shopping, you should always include at least one independent agent to have the most options to choose from.
Listed below are independent insurance agencies in Paragould that are able to give price quote information.
Kelmer Johnson Insurance – 803 Linwood Dr – Paragould, AR 72450 – (870) 236-3378
Aflac Insurance – 100 N Rockingchair Rd – Paragould, AR 72450 – (870) 335-2373
To view a complete directory of insurance agents in Paragould, click here to link.
Once you have acceptable answers for all questions you ask in addition to an acceptable price estimate, it’s possible that you found an insurance agent that will provide car insurance coverage.
Can you save by buying online?
Insurance agents are a valuable resource, but you also have the option of buying direct from companies online. Certain auto insurance companies like State Farm and Allstate who sell through the agent channel also allow consumers to buy online. This is something to consider if you’re trying to lower your rates.
If you’re uneasy about not having someone to ask questions when buying direct, don’t let it bother you. Online insurance companies that allow you to purchase coverage have customer service departments for getting questions answered. Consumers also can use the ability to chat online live with a sales rep and online research so you can feel comfortable buying online.
Can buying online lower your premiums? Many people think so, but it’s hard to say for sure because there are a lot of things that are calculated into your premium. It’s a common assumption that buying direct saves money because there is no commission. But the fact is, marketing their products costs a lot of money so there may not be significant savings.
A little work can save a LOT of money
Lower-priced car insurance is definitely available both online and with local Paragould insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers do not offer online quoting and most of the time these smaller companies sell through independent agents.
People leave their current company for a variety of reasons including questionable increases in premium, high prices, extreme rates for teen drivers and policy non-renewal. It doesn’t matter why you want to switch choosing a new insurance company is actually quite simple.
More Arkansas car insurance resources
Even more information can be found at the Arkansas Insurance Department website. Arkansas drivers can read consumer alerts, learn about insurance regulations, read state legal mandates and laws, and read enforcement actions against agents and companies.
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