How-to Guide to Finding an Auto Insurance Agent in Kannapolis

When searching for a licensed insurance agent in Kannapolis, you can start your research online rather than looking in the yellowpages. It’s assumed you’re wanting an excellent agent, but you also need affordable coverage.

With companies like Allstate, Farmers and State Farm as well as independent agents having offices in Kannapolis, consumers have a hard time knowing which will provide the lowest rates and best service. To help decide, consumers can get online price quotes in order to build a list of agencies to choose from.

How to compare Kannapolis auto insurance rates

Insurance agents can help determine the best coverages and give you someone to call. The biggest benefit of comparing rates online is the fact that you can find better rates and still choose a local agent. And supporting local agencies is important especially in Kannapolis.

To make it easy to find an agent, after completing this quick form, the coverage information is instantly submitted to local insurance agents in Kannapolis who will compete for your insurance coverage. There is no need to visit any agencies since price quotes are sent directly to your email. It doesn’t get any easier!

Kannapolis auto insurance agents are either independent or captive

When finding local Kannapolis agents, you must know there are a couple types of agencies to choose from. Agents are categorized either independent or captive. Either one can do a good job, but it’s important to know the difference between them because it can influence the selection process.

Independent Agencies or Brokers

Independent insurance agents are not locked into one company so they can insure your vehicles amongst many companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent. When comparison shopping, it’s recommended you include price quotes from multiple independent agents for maximum quote selection. Many write coverage with lesser-known insurance companies who may have lower rates.

Below are Kannapolis independent insurance agencies willing to provide pricing information.

  • Steve Cook Insurance – 1222 S Main St – Kannapolis, NC 28081 – (704) 938-1119
  • Schattner Agency – 1811 S Main St – Kannapolis, NC 28081 – (704) 933-8080
  • Direct General Ins Agency – 2001 N Cannon Blvd # C – Kannapolis, NC 28083 – (704) 932-1007
  • Hedrick Insurance – 940 N Ridge Ave – Kannapolis, NC 28083 – (704) 934-2431
Captive Agents

This type of agents write business for a single company such as American Family, Liberty Mutual and AAA. These agents are unable to shop your coverage around so they have to upsell other benefits. Captive agencies are usually quite knowledgeable on the products they sell which helps them compete with independent agents. Consumers sometimes purchase coverage from captives partially due to the brand legacy and the convenience of having a single billing for all their coverages.

Below are captive insurance agencies in Kannapolis who can help you get price quotes.

  • Allstate Insurance Co – 1525 Dale Earnhardt Blvd – Kannapolis, NC 28083 – (704) 932-3330
  • State Farm Insurance – 1610 Dale Earnhardt Blvd – Kannapolis, NC 28083 – (704) 938-4628

To view a complete directory of captive insurance agencies in Kannapolis, visit this site.

Deciding on an insurance agent requires more thought than just a low price. Any agent should have no problem answering these questions:

  • How long have they worked with personal auto insurance coverage?
  • Did they already check your driving record and credit reports?
  • Do they assist clients in filing claims?
  • Does the agency have a good rating with the Better Business Bureau?
  • Are claims handled at the agent’s location?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Are there any discounts that you might be missing?
  • What insurance companies do they recommend if they are an independent agent?

Upon receiving reasonable responses to all your questions and locked in a price quote, you may have just found an insurance agency that meets your needs to properly service your auto insurance policy.

Online alternative for car insurance

Auto insurance agents are important to many people, but you also have the option of buying North Carolina car insurance from companies direct over the internet. Certain companies like State Farm and Allstate who sell through agents in Kannapolis also allow consumers to buy online, and that is helpful.

If you’re anxious about not having an insurance agent’s advice when buying online, don’t sweat it. Online companies that allow you to purchase coverage provide options you can use to get advice on coverages.

Are car insurance rates lower online? It’s difficult to provide an answer because there are many factors that are calculated into your premium. Many people think that a shopper who purchases direct saves by not paying a commission. But the reality is getting their brand in front of customers is expensive so rates may not be all that different from traditional agents.

Informative consumer insurance sites

More information is located on the North Carolina Department of Insurance website through this link. North Carolina drivers can download brochures, learn about specific coverages, find disaster information, and file complaints about an insurance agent or broker.

best Kannapolis NC agent

And the best car insurance company is…

When shopping online for auto insurance, it’s a bad idea to skimp on coverage in order to save money. In many cases, consumers will sacrifice comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at the best price.

Lower-priced auto insurance is available online in addition to many Kannapolis insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.