How-to Guide to Finding an Insurance Agent in South Sioux City

If you’re looking for a good South Sioux City agent, we recommend you do the preliminary legwork using online quotes instead of calling around. You need a good agent, but also need the best price on auto insurance.

There is such a variety of auto insurance agents to pick from, and although it’s nice to have multiple companies, lots of choices makes it harder to adequately compare rates.

How to compare South Sioux City auto insurance rates

Professional agents are trained to spot inefficiencies and help you file claims. The best thing about comparing insurance prices online is you may find the lowest rates and still have an agent to talk to.

To help locate an agent, after submitting this simple form, the coverage information is transmitted to agents in your area who will battle for your coverage. You don’t have to visit any agencies since price quotes are sent directly to your email. How’s that for easy!

Selecting an insurance agent should depend on more than just the price. These questions are important to ask:

  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Does the company allow you to choose your own collision repair facility?
  • Do they specialize in personal lines coverage?
  • Which company do they place the most coverage with?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Who are their largest clients?

Captive and independent South Sioux City insurance agencies

If you’re trying to find an insurance agent, you must know there are a couple different types of agents from which to choose. Agencies in South Sioux City are classified as either captive or independent. Both types can properly insure your vehicles, but it’s worth mentioning how they are different since it may influence your agent selection.

Captive Agents

Captive insurance agents are contracted to one company and examples are Allstate, Farmers Insurance or State Farm. They generally cannot shop your coverage around so keep that in mind. Captives are well schooled on their products and sales techniques which helps them compete with independent agents. Consumers frequently buy insurance from these agents partially due to the prominence of the brand and solid financial strength.

Shown below are South Sioux City captive agents that are able to give comparison quotes.

  • State Farm Insurance – 1000 W 29th St # 216 – South Sioux City, NE 68776 – (402) 494-1949
  • Farm Bureau Insurance – 913 W 21st St – South Sioux City, NE 68776 – (402) 494-3972
  • American Family Insurance – 125 E 19th St – South Sioux City, NE 68776 – (402) 494-2149
Independent Insurance Agents

Independent agents are not employed by any specific company but instead can place your coverage with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally and you don’t have to find a new agent. When comparing rates, it’s recommended you include at least one independent agent for maximum quote selection. Many write coverage with different regional companies who may have lower rates.

Listed below are South Sioux City independent insurance agencies that can give you comparison quotes.

  • Diversified Insurance – 2700 Dakota Ave – South Sioux City, NE 68776 – (402) 494-4633
  • Jerry Beacom Agency – 1800 Dakota Ave # C – South Sioux City, NE 68776 – (402) 494-5136
  • Farm Bureau Insurance – 901 W 21st St # 2 – South Sioux City, NE 68776 – (402) 494-3972

For a complete listing of insurance agents in South Sioux City, visit this link.

Upon getting reasonable responses to all your questions and locked in a price quote, most likely you have located a car insurance agent that is a good match to service your policy.

Can you save by buying online?

Auto insurance agents are indespensible for some people, but you also have the option of buying from companies direct over the internet. Even companies who sell through the agent channel also allow consumers to buy direct on their websites, so that should be considered if you don’t want to take the time to contact agents.

If you’re apprehensive about selecting your own policy coverages, that shouldn’t be an issue. Online insurance companies that allow you to purchase coverage have customer service departments for getting advice on proper coverages.

Will buying online save you money? Many people think so, but it’s hard to say for sure since there may be dozens of rate factors which can adversely affect your policy premium. It’s often assumed that a shopper who purchases direct cuts out the agent as a middleman. But the reality is marketing expenses are significant and that can cost more than having to pay agents.

Cheaper insurance is a realistic goal

Insureds switch companies for many reasons like poor customer service, policy cancellation, questionable increases in premium and even lack of trust in their agent. No matter why you want to switch, choosing a new insurance company is actually quite simple.

Lower-priced auto insurance can be sourced on the web and with local South Sioux City insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.

Learn more about auto insurance in Nebraska

Even more information is located at the Nebraska Department of Insurance website. Nebraska drivers can view a list of available companies, discover disciplinary actions, and find out which companies have the most complaints.