Lowest Rates from Prairie Village Auto Insurance Agents

When shopping for auto insurance, choosing the right Prairie Village insurance agency is more difficult than just randomly choosing from the yellow pages. Consumers need a professional agent, and also the lowest rates in Prairie Village.

Because there are so many insurance companies to choose from, it’s nearly impossible to choose the right insurance company.

Buying car insurance locally

Insurance agents can answer important questions and help submit paperwork. One of the great benefits of comparing rates online is you may find better rates and still choose a local agent.

For easy comparison, once you complete this form (opens in new window), your insurance data is emailed to insurance agents in Prairie Village who will compete to get your business. There is no reason to visit any agencies as quotes are delivered to your email. How’s that for easy! Get lower rates AND a local agent.

Choosing an insurance agency requires more thought than just the price. These questions are important to ask:

  • Did they already check your driving record and credit reports?
  • Can they provide you with a list of referrals?
  • What insurance companies do they recommend if they are an independent agent?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Are they full-time agents?

Multiple types of car insurance agents in Prairie Village

When researching a reliable agent, you must know there are a couple different types of agents that you can select. Prairie Village agents are categorized either captive or independent (non-captive).

Agency Captives

These agents have only one company to place business with like Farmers Insurance, American Family, State Farm and Allstate. Captives cannot compare other company’s rates so keep that in mind. They are trained well in insurance sales which can be an advantage. Consumers often buy from captive agents primarily because of the prominence of the brand and the convenience of having a single billing for all their coverages.

Shown below is a list of captive agencies in Prairie Village that are able to give rate quotes.

  • State Farm Insurance – 3810 W 75th St – Prairie Village, KS 66208 – (913) 648-6400
  • Allstate Insurance – 7830 State Line Rd # 210 – Prairie Village, KS 66208 – (913) 648-8913
Independent Agents (or Brokers)

These agents are not locked into one company so they have the ability to put coverage with lots of companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house and that require little work on your part. When comparing rates, it’s a good idea to contact at a minimum one independent agency to have the most options to choose from. Most have the option of insuring with lesser-known insurance companies which may provide better rates.

Listed below are Prairie Village independent insurance agents that are able to give rate quotes.

  • Mid America National Agency – 7501 Nall Ave # 2 – Prairie Village, KS 66208 – (913) 381-7305
  • Michele D Brogan Insurance Inc – 4200 Somerset Dr – Prairie Village, KS 66208 – (913) 383-9330
  • Gerber Insurance Group – 5200 W 94th Ter # 110 – Prairie Village, KS 66207 – (913) 649-7800

To view a complete directory of licensed insurance agents in Prairie Village, visit this site.

After getting reasonable responses to these questions in addition to an acceptable price estimate, most likely you have located an auto insurance agent that is a good match to provide auto insurance coverage.

Have you considered online alternatives?

Insurance agents are perfect for certain consumers, but you also have the option of buying direct over the internet. Some car insurance companies, such as Farmers Insurance and State Farm, who have local agents in Prairie Village also give you the option to buy online, so this should also be taken into consideration if you prefer to buy online.

If you’re worried about not having an insurance agent’s advice when buying direct, don’t be too concerned. All companies have toll-free phone numbers and other options for getting the best coverage. They also have live chat and online tools that can help answer basic questions.

Do people save by buying online? It’s difficult to say for sure because of the number of factors that influence how your policy is priced. Common sense would say that shopping direct reduces premiums because there is no agent. But the fact is, there are very high advertising costs and those expenses can offset most of the savings by selling direct.

For more Kansas car insurance information

More detailed Kansas auto insurance information is located at the Kansas Insurance Department website. Kansas consumers can file complaints about a company, read industry bulletins, and find disaster information.

The following articles may also be useful.

best Prairie Village Kansas insurance agency

Final thoughts

As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. In many cases, an insured dropped collision coverage to discover at claim time they didn’t have enough coverage. Your goal should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Discount auto insurance is available from both online companies as well as from independent agents in Prairie Village, and you need to price shop both to have the best chance of lowering rates. A few companies don’t offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.