How-to Guide to Finding an Insurance Agent in Hopkinsville

To find a licensed insurance agent in Hopkinsville, you can start your search on the internet rather than picking up the phone. Most likely you’re not only searching for a competent insurance agent, but you also want to find affordable coverage.

With companies like American Family, Allstate, State Farm and independent agents all competing for business in Hopkinsville, consumers have a hard time knowing which provider will have the lowest rates and best service. To help decide, consumers can use online quoting to assemble a group of insurance agents and thier coverage prices.

Hopkinsville agents and online quotes

Agents are trained to spot inefficiencies and give you peace of mind. One of the great benefits of getting online price quotes is you may find better rates and still have an agent to talk to. Supporting local insurance agencies is especially important in Hopkinsville.

After completing this short form, your coverage information is transmitted to insurance agents in Hopkinsville who will compete to get your business. There is no reason to even leave your home as quotes are delivered to the email address you provide. How’s that for easy!

Compare rates from both independent and captive insurance agencies

When finding local Hopkinsville agents, there are a couple of types of insurance agents to choose from. Agencies in Hopkinsville are either captive or independent. Both write coverage properly, but it’s good to learn the difference between them because it can influence the selection process.

Independent Agents

Independent agents are not required to write business for one company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency.

When comparing rates, we recommend you get quotes from multiple independent agents for maximum quote selection.

Shown below are Hopkinsville independent agents who may be able to give you rate quotes.

Raymond Nelson Insurance – 1102 E 21st St – Hopkinsville, KY 42240 – (270) 885-1800
Direct General Ins Agency – 2210 Fort Campbell Blvd – Hopkinsville, KY 42240 – (270) 885-2100
Tom C Jones Agency Inc – 912 S Main St – Hopkinsville, KY 42240 – (270) 885-5321
Harbor Insurance – 1102 W 7th St – Hopkinsville, KY 42240 – (270) 881-1022

Captive Insurance Agents

Captive agents can only place business with one company and some examples include AAA, State Farm, Farmers Insurance and Allstate. Captives cannot shop your coverage around so always compare other rates. They are well schooled in insurance sales and that can be a competitive advantage.

Shown below is a list of captive insurance agents in Hopkinsville willing to provide rate quotes.

State Farm Insurance – 117 Susan Ave – Hopkinsville, KY 42240 – (270) 885-2230
Allstate Insurance – 2703 Fort Campbell Blvd – Hopkinsville, KY 42240 – (270) 707-9900
Farm Bureau Insurance – 1810 E 9th St – Hopkinsville, KY 42240 – (270) 886-8123

For a full directory of captive insurance agencies in Hopkinsville, go to this page.

Picking an auto insurance agent requires more thought than just the premium amount. These are valid questions to ask:

  • Who is covered by the car insurance policy?
  • Does the agency provide any after hours assistance?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • How are claims handled?
  • How many years of experience in personal lines insurance coverages do they have?
  • Are you getting all the discounts the company offers?

Once you have received positive responses and a good coverage price, you’ve probably found an insurance agent that meets your needs to properly service your car insurance policy.

Online companies are an option

Licensed agents are perfect for certain consumers, but Kentucky drivers can also buy direct online. Certain auto insurance companies like Allstate and State Farm who have local agents in Hopkinsville additionally provide the ability to buy direct online, so this should also be taken into consideration as an alternative to contacting agents.

If you’re anxious about choosing your own coverages when buying online, this is normal but is quickly overcome. Online car insurance companies that allow you to purchase coverage have toll-free phone numbers and other options to answer your questions. Additionally, most companies also offer online help and live chat so you can feel comfortable buying online.

Do people save by buying online? It’s difficult to say for sure because of the number of factors that determine the price you pay. Some people think that purchasing direct online lowers rates due to not having any agent compensation. But the fact is, online and traditional media advertising are expensive and this tends to eat up any savings.

Hopkinsville KY agents

More Kentucky car insurance resources

Additional information is available on the website for the Kentucky Department of Insurance. Click here for link. Consumers can download brochures, get help finding coverage, and read state legal mandates and laws.

The following information may also be useful.

Final considerations

Budget-conscious car insurance is attainable on the web and with local Hopkinsville insurance agents, and you need to price shop both to have the best selection. Some insurance providers do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

Insureds change insurance companies for any number of reasons including delays in responding to claim requests, questionable increases in premium, delays in paying claims and even extreme rates for teen drivers. Regardless of your reason, switching companies can be less work than you think.