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

When searching for a good Wausau agent, you can do an initial search by getting online comparison quotes rather than looking in the yellowpages. It’s assumed you want a highly trained agent, but you also need the lowest possible price.

With insurance companies like American Family, Allstate, State Farm and independent agents having local Wausau offices, it’s difficult to determine which one will provide the cheapest rates and the best coverage. Thankfully, you can use online price quotes to build a list of insurance agencies and price estimates.

Online quotes help locate Wausau agents

Good agents can answer important questions and give you peace of mind. One of the great benefits of comparing rates online is that you can obtain the best rates but still work with a licensed agent. And supporting local insurance agencies is definitely important in Wausau.

After completing this simple form, your insurance data is transmitted to local insurance agents who will battle for your business. There is no reason to leave your house since price quotes are sent to the email address you provide. How’s that for easy! You’ll get the best rates without the usual hassles of price shopping.

Wausau car insurance agents come in two flavors

When searching for a local agent, there are two types of insurance agents from which to choose. Agents are categorized either captive or independent (non-captive).

Independent Agencies or Brokers

Independent agencies do not work for one specific company so they have the ability to put coverage with many different companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier without you having to go to a different agency.

When searching for an agent, it’s a good idea to get quotes from multiple independent agents for the best price selection.

Below is a list of independent insurance agents in Wausau willing to provide comparison quotes.

Lori Kulpinski Agency LLC – 210 Mcclellan St # 305 – Wausau, WI 54403 – (715) 845-2477
Clements Agency – 319 N 6th Ave – Wausau, WI 54401 – (715) 845-3804
Du Wayne Kreager Insurance Ctr – 1014 W Thomas St – Wausau, WI 54401 – (715) 842-0694
Jeff Canniff Agency Inc – 110 S 3rd Ave – Wausau, WI 54401 – (715) 842-5262
Harris and Assoc Insurance – 724 S 3rd Ave – Wausau, WI 54401 – (715) 848-5360

Captive Insurance Agents

Captive insurance agents are contracted to one company like Farmers Insurance, American Family, State Farm and Allstate. They are unable to shop your coverage around so they have to upsell other benefits. These agents are usually quite knowledgeable in insurance sales and that can be a competitive advantage.

The following is a short list of captive insurance agents in Wausau that are able to give price quotes.

Liberty Mutual Insurance – 2100 Stewart Ave # 145 – Wausau, WI 54401 – (715) 848-2981
American Family Insurance – 2100 Grand Ave – Wausau, WI 54403 – (715) 845-8251
State Farm Insurance – 505 S 24th Ave # 300 – Wausau, WI 54401 – (715) 842-4610

For a complete listing of captive agencies in Wausau, view this link.

Picking a car insurance agent needs to be determined by more than just the price. Here are some questions to ask:

  • How often do they review policy coverages?
  • Does the company allow you to choose your own collision repair facility?
  • Do they feel the quoted coverages are adequate?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • If you are a high risk driver, do they have special markets for your coverage?
  • How long has their agency been in business in Wausau?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • If your car is in the repair shop, do you have coverage for a rental car?

Once you have received positive responses to any questions you have as well as a affordable price, you have narrowed it down to an insurance agent that can service your policy.

Can I save by cutting out the agent?

Car insurance agents are a valuable resource, but you also have the option of buying Wisconsin car insurance from online companies direct. Some car insurance companies who sell through agents in Wausau additionally provide the ability to buy online, and consumers should do that if you’re trying to lower your rates.

If you’re worried about having to choose coverages yourself, don’t let it bother you. Online companies have customer service departments to answer any questions you may have.

Are car insurance rates lower online? Many people think so, but it’s hard to say for sure since companies use quite a few components which can adversely affect your policy premium. Many people think that a consumer who buys direct saves the commission normally paid to an agent. But that assumption is generally incorrect because getting their brand in front of customers is expensive and this drives up their premium costs.

Wausau WI car insurance agent

Additional information is available on the website for the Wisconsin Office of the Commissioner of Insurance. Click here for link. Wisconsin drivers can discover disciplinary actions, view a list of available companies, read state legal mandates and laws, and read industry bulletins.

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In the end, you save

When buying insurance coverage, you should never reduce coverage to reduce premium. There have been many situations where consumers will sacrifice collision coverage only to discover later that it was a big mistake. Your goal should be to get the best coverage possible at an affordable rate while still protecting your assets.

The cheapest auto insurance is attainable from both online companies and also from your neighborhood Wausau agents, and you need to price shop both to get a complete price analysis. Some companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.