How-to Guide to Finding the Best Insurance Agent in Beatrice

If you’re looking to buy auto insurance, there are a lot of options and picking a good Nebraska auto insurance agent is harder than just picking up the phone. Consumers require a professional licensed agent, and also want to find cheaper auto insurance prices.

Numerous insurance agencies battle for your hard-earned dollar, so it can be very hard to choose a insurance agency and uncover the absolute best rate

Neighborhood insurance agents

Agents can point out coverage gaps and help file insurance claims. The biggest benefit of comparing insurance prices online is you may find the best rates and still choose a local agent.

For easy comparison, once you complete this short form, the quote information is emailed to companies in Beatrice who will give you bids for your insurance coverage. You never need to visit any agencies because quoted prices will be sent immediately to your email address. It doesn’t get any easier! You can find the lowest rates and a licensed agent to work with.

Selecting a car insurance agent needs to be determined by more than just a low price. These are valid questions to ask:

  • Are there any discounts that you might be missing?
  • What insurance company do they write the most business with?
  • How often do they review policy coverages?
  • Can they provide you with a list of referrals?
  • Is their price quote a firm figure or are their hidden costs?
  • Who are their largest clients?
  • Are claims handled at the agent’s location?

Two types of insurance agencies

When searching for a good Beatrice insurance agent, there are two types of insurance agents from which to choose. Agents can either be captive or independent.

Captive Insurance Agents

Captive agents have only one company to place business with such as State Farm, AAA, Farmers Insurance or Allstate. Captives cannot place coverage with different providers so they are skilled at selling on more than just price. These agents are well schooled in insurance sales and that can be a competitive advantage.

Listed below is a list of captive insurance agencies in Beatrice willing to provide comparison quotes.

Farm Bureau Insurance – 2600 Eastside Blvd # 2 – Beatrice, NE 68310 – (402) 223-2002
Farmers Insurance Group – 515 1/2 Ella St – Beatrice, NE 68310 – (402) 223-3100

Independent Agents (or Brokers)

Independent agencies are not locked into one company so they can insure your vehicles with lots of companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies and that require little work on your part.

When shopping rates, you should always include price quotes from several independent insurance agents for maximum quote selection.

Shown below is a short list of independent agents in Beatrice that are able to give rate quotes.

Davidson Insurance Inc – 1901 Court St # 2 – Beatrice, NE 68310 – (402) 228-3419
Karen Denton Insurance Office – 1713 N 5th St – Beatrice, NE 68310 – (402) 228-3023

For a complete listing of Beatrice insurance agents, please go to this site.

After receiving good answers for all questions you ask and locked in a price quote, you have narrowed it down to an insurance agency that can properly insure your vehicles.

Online companies appeal to some consumers

Insurance agents are important to many people, but you also have the option of buying directly from online companies. Some specific companies who employ agents also let you get a quote and buy online, and that is helpful if you want to do it yourself.

If you’re worried about not receiving proper advice when buying online, don’t let it bother you. Online car insurance companies have toll-free phone numbers and other options to answer any questions you may have.

Does coverage cost less online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since companies use quite a few components that determine the price you pay. It’s often assumed that going direct saves money because there is no commission. But in reality, marketing their products costs a lot of money so the rates may be similar to buying from an agent.

Beatrice NE insurance agency

And the best car insurance company is…

When you buy insurance online, it’s not a good idea to buy less coverage just to save a little money. Too many times, drivers have reduced comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. The aim is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Discount auto insurance can be bought from both online companies in addition to many Beatrice insurance agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and most of the time these small, regional companies sell through independent agents.

More detailed Nebraska auto insurance information is located at the Nebraska Department of Insurance website. Visitors are able to download brochures, read enforcement actions against agents and companies, read consumer alerts, and find out industry alerts.

Additional helpful sites include’s auto insurance page and this list of agents in Beatrice, NE.