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

Finding good car insurance in Chubbuck can be challenging since there are a lot of options and finding the best Idaho insurance agency takes more work than just randomly choosing from the yellow pages. Consumers require an excellent agent, and also the best possible rates.

You have so many insurance agencies to choose from, and even though it’s nice to have a selection, having more insurance agents makes it harder to find the lowest cost provider.

Comparing rates from local agents

Insurance agents can help determine the best coverages and help file insurance claims. The best thing about comparing insurance prices online is you may find lower rates and still choose a local agent.

For easy comparison, once you complete this short form, your insurance coverage information is instantly submitted to insurance agents in Chubbuck who will return price quotes for your coverage. There is no need to leave your house since price quotes are sent immediately to your email address. How’s that for easy! It’s the lowest rates and an insurance agent to talk to.

Selecting an insurance agent shouldn’t rely on just a low price. These are valid questions to ask:

  • Can they provide you with a list of referrals?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Do they carry Errors and Omissions coverage?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Do they review policy coverages at every renewal?
  • Do they specialize in personal lines coverage?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?

Best car insurance agent in Chubbuck

If you’re trying to find a local agent, you need to know there are two different types of agents that you can select. Insurance agencies in Chubbuck are either independent (non-captive) or captive.

Captive Agents

Captive agents can only place business with one company and some examples include State Farm, Allstate and AAA. They generally cannot give you multiple price quotes so they are skilled at selling on more than just price. Captive agencies are well schooled in insurance sales which helps them compete with independent agents. Consumers frequently buy insurance from these agents mainly due to the prominence of the brand and the convenience of having all coverages with one company.

Shown below is a list of captive insurance agents in Chubbuck that can give you rate quotes.

  • Allstate Insurance – 121 Evans Ln – Chubbuck, ID 83202 – (208) 238-1830
  • Liberty Mutual Insurance – 4922 Yellowstone Ave # I – Chubbuck, ID 83202 – (208) 238-6266
  • Farmers Insurance Group – 476 E Chubbuck Rd – Chubbuck, ID 83202 – (208) 478-5900
Independent Insurance Agents

Independent agencies are not employed by any specific company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and you won’t have to switch agencies. When shopping rates, it’s a good idea to get quotes from at a minimum one independent agency to ensure the widest selection of prices. Most have the option of insuring with lesser-known insurance companies which can save you money.

Shown below are independent insurance agencies in Chubbuck that are able to give comparison quotes.

  • Orthel Agency Inc – 4650 Hawthorne Rd # A – Chubbuck, ID 83202 – (208) 238-0246
  • Insurance Services Inc – 4460 Kings Way # 4 – Chubbuck, ID 83202 – (208) 238-0171
  • Liberty Mutual Insurance – 4922 Yellowstone Ave # I – Chubbuck, ID 83202 – (208) 238-6266

For a full directory of insurance agents in Chubbuck, simply jump to this page.

Upon getting good answers for all questions you ask and locked in a price quote, chances are good that you have found an insurance agent that is a good match to provide car insurance coverage.

You have the option to purchase direct online

Insurance agents are important to many people, but you also have the option of buying Idaho car insurance direct from companies that only sell online. Certain auto insurance companies, such as Farmers Insurance and State Farm, who employ agents also give you the option to buy online, so keep that in mind if you prefer not to work with an agent.

If you’re worried about choosing your own coverages when buying direct, this really isn’t an issue. Insurance companies that allow you to purchase coverage provide toll-free numbers to answer your questions.

Does coverage cost less online? The answer to that question is complicated because of the fact that insurance companies use many factors that influence your rates. Many people think that shopping online for auto insurance reduces premiums because there is no agent. But truthfully, online and traditional media advertising are expensive so there may not be significant savings.

What is YOUR best insurance company?

Insureds switch companies for a variety of reasons including lack of trust in their agent, policy non-renewal, questionable increases in premium or even being labeled a high risk driver. Regardless of your reason, finding the right car insurance provider can be pretty painless.

The cheapest car insurance can be purchased from both online companies in addition to many Chubbuck insurance agents, so compare prices from both so you have a total pricing picture. There are still a few companies who do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

Chubbuck Idaho agents

Some additional reading

More detailed Idaho car insurance information is located at the Idaho Department of Insurance website. Visitors are able to learn about insurance regulations, read state legal mandates and laws, and learn about specific coverages.

The following information may also be useful.