Lower Pricing from Stillwater Car Insurance Companies

To locate a licensed insurance agent in Stillwater, you can always start your research by comparing rates online to save yourself time. The chances are good you not only want a professional licensed agent, but you also need great rates as well.

With insurance companies like Allstate, Farmers and State Farm as well as independent agents having offices in Stillwater, consumers have a hard time knowing which one will provide the best rates, service and coverage. Fortunately, it’s easy to use online price quotes to assemble a group of agencies and price estimates.

Neighborhood insurance agents

Licensed agents can answer important questions and help you file claims. One of the great benefits of price shopping on the web is the fact that you can find the best rates but also keep your business local. And providing support for local businesses is important especially in Stillwater.

After completing this quick form, the coverage information is submitted to insurance agents in Stillwater who will give you bids for your insurance coverage. There is no reason to visit any agencies as quotes are delivered to the email address you provide. How cool is that?! You can find the lowest rates AND a local agent.

What types of auto insurance agents are in Stillwater?

When looking for a good insurance agency, there are a couple of types of agencies that differ in how they can insure your vehicles. Agencies in Stillwater are categorized either captive or independent.

Independent Insurance Agents

Independent insurance agents are not required to write business for one company but rather can write business with any number of different companies depending on which coverage is best. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency.

When searching for an agent, it’s a good idea to include several independent insurance agents for maximum quote selection.Most can insure with different regional companies which can save you money.

Below are independent agencies in Stillwater that may be able to provide comparison quotes.

  • Able Insurance – 913 S Main St # 1 – Stillwater, OK 74074 – (405) 372-9134
  • Murphy Agency – 118 W 8th Ave # 1 – Stillwater, OK 74074 – (405) 372-5544
  • Wendell Stephens Agency – 1313 N Perkins Rd – Stillwater, OK 74075 – (405) 372-1225
  • Scott Smith Agency – 225 S Perkins Rd – Stillwater, OK 74074 – (405) 377-2698
  • Pat Razook Insurance – 112 W Hall Of Fame Ave – Stillwater, OK 74075 – (405) 377-6681
Captive Agents

Captive agents write business for a single company like Liberty Mutual, State Farm, Allstate and AAA. They generally cannot place coverage with different providers so it’s a take it or leave it situation. They are well schooled on their company’s products which can be an advantage. Consumers sometimes buy insurance from these agents mostly because of the prominence of the brand and solid financial strength.

Shown below is a list of captive agents in Stillwater who can help you get comparison quotes.

  • Farmers Insurance Group – 612 W 6th Ave – Stillwater, OK 74074 – (405) 707-9200
  • Oklahoma Farm Bureau – 4721 W 6th Ave – Stillwater, OK 74074 – (405) 385-0010
  • State Farm Insurance – 301 S Duck St # 2 – Stillwater, OK 74074 – (405) 372-4242
  • Allstate Insurance – 602 W 6th Ave – Stillwater, OK 74074 – (405) 707-0442
  • Shelter Insurance – 408 S Main St # 1 – Stillwater, OK 74074 – (405) 743-4481

To view a complete directory of captive agents in Stillwater, please click here.

Selecting a car insurance agent needs to be determined by more than just the price. Any agent should be forthright in answering these questions:

  • How much can you save by raising your physical damage deductibles?
  • Which members of your family are coverage by the policy?
  • Does the agency provide any after hours assistance?
  • What are the financial ratings for the companies they represent?
  • How many years of experience in personal lines insurance coverages do they have?

Once you have positive feedback as well as a affordable price, it’s possible that you found a car insurance agent that can provide car insurance coverage.

Is buying direct online an option?

Auto insurance agents serve a purpose, but you can also buy Oklahoma car insurance direct from companies online. Certain auto insurance companies that sell primarily through agents also allow you to quote and buy online. This is something to consider.

If you’re uneasy about not having someone to ask questions when buying car insurance direct, this is a normal reaction for first-time shoppers. Insurance companies that allow you to purchase coverage give you access to trained agents to help you decide which coverages are appropriate.

Is it cheaper to buy online? The answer is complex since there are so many components that influence how your policy is priced. It’s a common assumption that buying directly from the company reduces premiums because there is no agent. In many cases, the cost of constant advertising is expensive so the rates may be similar to buying from an agent.

What is YOUR best insurance company?

Consumers leave their current company for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, extreme rates for teen drivers and even policy cancellation. Regardless of your reason for switching companies, finding a new car insurance company can be pretty painless.

best Stillwater Oklahoma agent

Lower-priced car insurance is possible on the web as well as from independent agents in Stillwater, and you need to price shop both to have the best chance of lowering rates. Some insurance companies don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

More information is available on the Oklahoma Insurance Department website. Click here for link. Oklahoma consumers can file complaints about an insurance agent or broker, learn about insurance regulations, and get help finding coverage.