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

Finding good auto insurance in Nitro can be challenging since there are a lot of options and finding the best West Virginia auto insurance agent takes more work than just calling the closest agent. You require a great agent that can assess your needs, but also need the best auto insurance prices in Nitro.

Online insurance companies like Allstate and Progressive all claim big savings with catchy ads and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

Quote online but still have a local agent

Licensed agents can help determine the best coverages and give you peace of mind. One of the great benefits of price shopping on the web is the fact that you can find better rates and still choose a local agent.

Once you complete this simple form, your insurance data is submitted to insurance agents in Nitro who will give you bids for your coverage. There is no need to even leave your home since price quotes are sent to the email address you provide. Now that’s easy! Get lower rates without the usual hassles of price shopping.

Choosing an insurance agent shouldn’t rely on just the price. Any agent should have no problem answering these questions:

  • Did they already check your driving record and credit reports?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Which insurance companies are they affiliated with?

Different types of Nitro insurance agencies

When looking for a reputable insurance agent or broker, you need to know there are two different agency structures from which to choose. Insurance agencies in Nitro are classified as either captive or independent (non-captive).

Agency Captives

These agents can only place business with one company like Allstate, AAA, Liberty Mutual and State Farm. They are unable to shop your coverage around so keep that in mind. They receive extensive training on their products and sales techniques and that can be a competitive advantage.

Independent Agents

Independent agents are not locked into one company so they have the ability to put coverage with any number of different companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies and that require little work on your part. When shopping rates, you should always contact at a minimum one independent agency for maximum quote selection.

The following are independent agencies in Nitro willing to provide comparison quotes.

E J Patton General Insurance – 1902 19th St – Nitro, WV 25143 – (304) 755-5781
Nationwide Insurance – 3604 36th St – Nitro, WV 25143 – (304) 743-9340

For a complete listing of Nitro insurance agents, visit this site.

Once you have positive feedback to any questions you have and an acceptable price quote, you have narrowed it down to an insurance agent that meets your needs to service your policy.

Can you save by buying online?

Insurance agents are a valuable resource, but West Virginia car insurance can also be bought direct over the internet. Some car insurance companies who have local agents in Nitro additionally provide the ability to get a quote and buy online, so that should be considered and can also potentially find you lower rates.

If you’re apprehensive about selecting your own policy coverages when shopping online, this is a normal reaction for first-time shoppers. Online car insurance companies that require consumers to choose their own coverages have toll-free phone numbers and other options you can use to get advice on coverages.

Will auto insurance cost less online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there are many things that influence your rates. It’s a logical assumption that shopping direct cuts out the middleman. But in most cases, getting their brand in front of customers is expensive so the rates may be similar to buying from an agent.

West Virginia auto insurance information

More tips and info about auto insurance can be read at the West Virginia Insurance Commission website. West Virginia consumers can view a list of available companies, find a variety of consumer forms, and get help finding coverage.

Nitro insurance agency

The following information may also be useful.

Final thoughts

When buying insurance coverage, do not buy less coverage just to save a little money. There are many occasions where an accident victim reduced collision coverage only to find out that it was a big error on their part. Your goal should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Cheap auto insurance is attainable from both online companies as well as from independent agents in Nitro, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.