Lander Car Insurance Agency FAQ

When buying car insurance in Lander, you have many choices and choosing the right Lander insurance agent is not as easy as just randomly choosing from the yellow pages. Most likely you want a competent insurance agent, but you also want the lowest possible price.

With companies like State Farm, Allstate, Farmers and independent agents having offices in Lander, it’s hard to tell which car insurance agent will provide you with the lowest rates and best service. To help decide, consumers can get insurance quotes online to build a list of agencies from which to choose.

Quote online but still have a local agent

Educated insurance agents can answer important questions and give you peace of mind. One of the best bonuses of price shopping on the web is you may find the best rates and still choose a local agent. Supporting small agencies is important especially in Lander.

For easy comparison, once you complete this simple form, your insurance coverage information is transmitted to companies in Lander who will battle for your insurance coverage. You don’t have to visit any agencies since price quotes are sent immediately to your email address. Now that’s easy! Get lower rates AND an agent nearby.

The type of insurance agent you choose is important

When researching a local agent, there are two types of agencies from which to choose. Agents can either be captive or independent.

Independent Agents (or Brokers)

Independent 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 you are not satisfied with one company, your agent can switch companies without you having to go to a different agency. When comparing rates, you should always include price quotes from at a minimum one independent agency to get the best comparison.Many can place coverage with smaller companies which may provide better rates.

Shown below are Lander independent agencies who may be able to give you rate quotes.

  • Farm Bureau Insurance – 1630 W Main St – Lander, WY 82520 – (307) 332-3295
  • Burns Insurance – 440 Lincoln St – Lander, WY 82520 – (307) 332-5263
Captive Agents

Captive agencies can only place business with one company such as Farmers Insurance or State Farm. These agents are not able to give you multiple price quotes so it’s a take it or leave it situation. These agents are well schooled on their products and sales techniques which can be an advantage. Consumers sometimes buy from captive agents mostly because of the prominence of the brand and strong financial ratings.

The following is a list of captive insurance agents in Lander willing to provide price quotes.

  • Farmers Insurance Group – 431 W Main St # 3 – Lander, WY 82520 – (307) 332-3103
  • Farm Bureau Insurance – 1630 W Main St – Lander, WY 82520 – (307) 332-3295

To view a complete directory of car insurance agents in Lander, please view this page.

Deciding on an insurance agency needs to be determined by more than just the bottom line cost. Here are some questions to ask:

  • Did they already check your driving record and credit reports?
  • Which insurance companies are they affiliated with?
  • How often do they review policy coverages?
  • How much can you save by raising your physical damage deductibles?
  • Do the companies they represent have a solid financial rating?
  • Is the agent and/or agency licensed to do business in Wyoming?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

Upon getting positive feedback to these questions and a low price estimate, you’ve probably found an insurance agent that can properly service your car insurance policy.

But what about GEICO, Esurance and Progressive?

Local insurance agents are indespensible for some people, but you also have the option of buying Wyoming car insurance direct online. Some specific companies who sell through the agent channel also let you get quotes and purchase online, and that can save time.

If you’re worried about not getting proper coverage when buying online, this is expected but don’t let that bother you. All companies that require consumers to choose their own coverages provide customer service for getting questions answered. You can also use live help and 24/7 access that can help answer basic questions.

For price-conscious consumers, the only way of knowing if the cheapest policy comes from an agent or online is to take the time to compare rates from both. It’s fairly common that you receive different coverage costs when using both online and agent quotes from exactly the same company.

Will buying online save you money? The answer is complex since there may be dozens of rate factors that determine the price you pay. Common sense would say that buying directly from the company cuts out the agent as a middleman. But in most cases, the cost of constant advertising is expensive and that can quickly cost more than paying an agent.

Additional resources for Wyoming consumers

Additional car insurance information can be read on the Wyoming Insurance Department website located here. Wyoming consumers can find out which companies have the most complaints, discover disciplinary actions, and find disaster information.

The following articles may also be useful.

find Lander WY insurance agents

More effort can pay off

As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. In too many instances, consumers will sacrifice uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. Your focus should be to purchase plenty of coverage at the best price.

Drivers leave their current company for a variety of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, extreme rates for teen drivers or even being labeled a high risk driver. No matter why you want to switch, switching car insurance companies is pretty simple and you could end up saving a buck or two.