Jeffersonville Auto Insurance Company Pricing Compared

When trying to find a licensed insurance agent in Jeffersonville, you can start your research online to save yourself time. For this article’s sake, it’s assumed you’re wanting a professional licensed agent, but you also want the lowest possible price.

With companies like State Farm, Allstate and Farmers Insurance having offices in Jeffersonville, consumers have a hard time knowing which will provide the lowest rates and best service. To help decide, it’s easy to use online price quotes in order to build a list of agencies to choose from.

Best way to find Jeffersonville agents

Insurance agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of comparing rates online is you can get the lowest rates and still have an agent to talk to. And providing support for local businesses is important particularly in Jeffersonville.

By using this simple form, the quote information is instantly submitted to local insurance agents who will compete for your insurance coverage. You never need to leave your computer due to the fact that quote results will go directly to your email. How cool is that?!

Types of insurance agents

If you’re trying to find a local agent, you need to know there are two types of agencies that you can select. Agents are either independent or captive. Either one can write coverage properly, but it’s worth mentioning how they differ because it can influence your selection of an agent.

Independent Agents (or Brokers)

Independent insurance agents are not required to write business for one company but instead can place your coverage amongst many companies depending on which coverage is best. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent. When searching for an agent, it’s a good idea to contact several independent insurance agents to get the best comparison.

The following is a short list of independent insurance agencies in Jeffersonville that are able to give competitive price quotes.

Barbara Roy Agency – 1314 Utica Sellersburg Rd – Jeffersonville, IN 47130 – (812) 284-7283
Larry F Knott Insurance – 925 Main St – Jeffersonville, IN 47130 – (812) 283-7991
Jim Nicholson Insurance – 2946 E 10th St – Jeffersonville, IN 47130 – (812) 284-4622

Agency Captives

This type of agents are contracted to one company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They are unable to shop your coverage around so keep that in mind. These agents are very knowledgeable on the products they sell and that can be a competitive advantage.

Shown below are Jeffersonville captive insurance agents who can help you get rate quotes.

Farm Bureau Insurance – 2004 Charlestown New Albany Rd – Jeffersonville, IN 47130 – (812) 283-7975
American Family Insurance – 2948 E 10th St – Jeffersonville, IN 47130 – (812) 282-9550
Farmers Insurance Group – 205 E Chestnut St – Jeffersonville, IN 47130 – (812) 284-4612
Allstate Insurance – 2214 Allison Ln – Jeffersonville, IN 47130 – (812) 282-2970
Shelter Insurance – 3808 E Highway 62 – Jeffersonville, IN 47130 – (812) 284-2500
State Farm Insurance – 1102 E 10th St – Jeffersonville, IN 47130 – (812) 288-8241

To view a complete directory of captive insurance agencies in Jeffersonville, please click here.

Selecting an insurance agent needs to be determined by more than just the price. These questions are important to ask:

  • Do the companies they represent have a solid financial rating?
  • How are claims handled?
  • How much will you save each year by using a higher deductible?
  • Is the agency involved in supporting local community causes?
  • Can they give you a list of client referrals?

Upon getting satisfactory answers to these questions and a good coverage price, you’ve probably found an insurance agent that meets your needs to properly service your auto insurance policy.

Keep your options open

Insurance agencies are important to many people, but Indiana car insurance can also be bought direct over the internet. Some companies who employ agents also permit you to buy online, so keep that in mind if finding the best price is important.

If you’re anxious about not having professional advice when shopping online, that should not be a issue. Online car insurance companies that require consumers to choose their own coverages all provide contact methods to walk you through the process. They also have the ability to chat online live with a sales rep and online research that you can use if you have questions.

Jeffersonville insurance agency

Does buying online save money? The answer to that question is complicated because of the fact that insurance companies use many factors that impact your premium. Many people think that a shopper who purchases direct lowers rates due to not having any agent compensation. For most online online companies, however, promoting brand recognition is pricey and that impacts the rates consumers pay.

One last thing

Consumers switch companies for many reasons like unfair underwriting practices, questionable increases in premium, policy non-renewal or even being labeled a high risk driver. Regardless of your reason, finding a new company can be easy and end up saving you some money.

Cost effective auto insurance is definitely available online in addition to many Jeffersonville insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

To find out more about Indiana auto insurance

Much more information about auto insurance in Indiana is located on the website for the Indiana Department of Insurance through this link. Indiana drivers can file complaints about an insurance agent or broker, read state legal mandates and laws, and find out industry alerts.