Comparing auto insurance companies in Lawrence, Kansas can be challenging because finding the best Kansas insurance agency is not as easy as just using the same insurance agent as your neighbor. For this article’s sake, it’s assumed that not only do you want a decent agent, but you also want great rates as well.
With companies like American Family, Allstate, State Farm and independent agents all competing for business in Lawrence, it’s hard to tell which will have the cheapest rates and the best coverage. To help decide, you can use online quoting in order to build a list of insurance agents to choose from.
Local Lawrence auto insurance agents
Good agents are trained to spot inefficiencies and help you file claims. One of the great benefits of price shopping on the web is that you can obtain the best rates and still choose a local agent. Supporting local agencies is important especially in Lawrence.
Upon completion of this simple form, your information is instantly submitted to local insurance agents in Lawrence who will return price quotes for your coverage. You never need to leave your house as quotes are delivered straight to your inbox. How’s that for easy! Get lower rates and an insurance agent to talk to.
Compare rates from both independent and captive car insurance agents
When researching a reliable agent, there are a couple of different agency structures from which to choose. Lawrence agents are either independent (non-captive) or captive.
Independent Agencies or Brokers
Independent insurance agents are not locked into one company so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house and you won’t have to switch agencies. When comparison shopping, we recommend you include at least one independent agent for the best price selection.
Below is a list of independent insurance agents in Lawrence that can give you pricing information.
Harry Thomason Agency Inc – 2420 Iowa St # A – Lawrence, KS 66046 – (785) 843-6591
Insurance Is A Helping Hand – 719 Massachusetts St – Lawrence, KS 66044 – (785) 856-5355
Stephens Insurance – 2711 W 6th St – Lawrence, KS 66049 – (785) 841-9538
Jenny Hohman Agency – 4830 Bob Billings Pkwy # 101 – Lawrence, KS 66049 – (785) 331-4448
Shepley Agency – 3109 W 6th St # A – Lawrence, KS 66049 – (785) 865-5200
Captive Insurance Agents
Captive insurance agents have only one company to place business with and some examples include State Farm, AAA and Liberty Mutual. Captives cannot give you multiple price quotes so keep that in mind. These agents are very knowledgeable on their products and sales techniques and that can be a competitive advantage.
Below is a list of captive agents in Lawrence willing to provide rate quotes.
Farm Bureau Insurance – 6th and Lawrence Ave – Lawrence, KS 66044 – (785) 841-1122
State Farm Insurance – 935 Iowa St # 6 – Lawrence, KS 66044 – (785) 843-5666
Allstate Insurance – 4101 W 6th St – Lawrence, KS 66049 – (785) 832-1557
Farmers Insurance Group – 545 Columbia Dr # 2002 – Lawrence, KS 66049 – (785) 841-6979
American Family Insurance – 901 Kentucky St # 101 – Lawrence, KS 66044 – (785) 331-4353
Shelter Insurance – 2500 Iowa St – Lawrence, KS 66046 – (785) 841-3020
For a full directory of auto insurance agents in Lawrence, visit this site.
Selecting an insurance agent needs to be determined by more than just the bottom line cost. These questions are important to ask:
- What insurance company do they write the most business with?
- Will their companies depreciate repairs to your car based on the mileage?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do the coverages you’re quoting properly cover your vehicle?
- How are claims handled?
Once you have received acceptable answers for all questions you ask and a good coverage price, you may have just found a car insurance agent that will insure your vehicles.
Can you find lower rates by buying online?
Insurance agents are a valuable resource, but you also have the option of buying from online companies direct. Some car insurance companies who have local Lawrence agents additionally provide the ability to quote and buy online, and that can save time.
If you’re uncomfortable with not having someone to ask questions when buying direct, this really isn’t an issue. All companies provide toll-free numbers to walk you through the process. Also available are live help and 24/7 access to help you make a buying decision.
Are online premiums lower? Many people swear by it, but it’s difficult to answer due to the fact that there are many factors that influence your rates. It’s logical to say that buying car insurance online reduces premiums because there is no agent. But the reality is getting their brand in front of customers is expensive and those expenses can offset most of the savings by selling direct.
And the best car insurance company is…
Drivers switch companies for many reasons like high rates after DUI convictions, policy non-renewal, policy cancellation or lack of trust in their agent. Regardless of your reason for switching companies, choosing a new company can be pretty painless.
Lower-priced auto insurance can be found from both online companies in addition to many Lawrence insurance agents, so you should be comparing quotes from both to have the best selection. A few companies do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.
Some additional reading
Additional information can be read on the website for the Kansas Insurance Department found here. Kansas consumers can download brochures, find a variety of consumer forms, read enforcement actions against agents and companies, and report car insurance fraud.
The following articles may also be useful.