When shopping for car insurance, you have many choices and choosing the right Manitowoc car insurance agent is more difficult than just calling the closest agent. It’s highly likely you’re looking for a great agent that can assess your needs, but you also want the lowest possible price.
With companies like independent agents, Allstate and State Farm all competing for your business, it’s difficult to determine which insurance agency will give you the lowest rates and best service. Thankfully, consumers can use online quotes to assemble a group of agents from which to choose.
Comparing rates from local agents
Educated insurance agents can answer important questions and help file insurance claims. One of the best bonuses of comparing insurance prices online is you can get better rates but still work with a licensed agent. And providing support for small agencies is especially important in Manitowoc.
For easy comparison, once you complete this simple form, the coverage information is instantly submitted to insurance agents in Manitowoc who will battle to get your business. There is no reason to even leave your home since price quotes are sent directly to your email. How’s that for easy!
Choose an insurance agent wisely
When researching a local agent, there are two types of insurance agents to choose from. Agencies in Manitowoc can either be captive or independent (non-captive). While both can write coverage properly, but it’s worth mentioning how they differ because it can impact your agent selection.
Independent Insurance Agents
Independent agencies are not required to write business for one company but rather can write business with many different companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency. When comparison shopping, it’s recommended you include at a minimum one independent agency to have the most options to choose from.
The following are Manitowoc independent agencies who may be able to give you price quote information.
Insurance Center Of Manitowoc – 4712 Expo Dr – Manitowoc, WI 54220 – (920) 684-2800
Wolff Insurance – 4210 Michigan Ave – Manitowoc, WI 54220 – (920) 682-0393
Mark Rhein Agency – 2904 Custer St – Manitowoc, WI 54220 – (920) 682-4659
Gerald Dunn Agency – 1807 Marshall St – Manitowoc, WI 54220 – (920) 684-8229
Sue Christman Agency – 33 E Waldo Blvd – Manitowoc, WI 54220 – (920) 652-9550
Captive Insurance Agents
Captive agents can only place business with one company such as State Farm or Allstate. They are unable to give you multiple price quotes so always compare other rates. Captive agents are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
Listed below is a short list of captive insurance agents in Manitowoc willing to provide rate quotes.
State Farm Insurance – 1415 Washington St – Manitowoc, WI 54220 – (920) 682-2161
American Family Insurance – 3624 Calumet Ave – Manitowoc, WI 54220 – (920) 682-7979
To view a full list of captive insurance agencies in Manitowoc, visit this link.
Picking an insurance agency requires more thought than just the premium amount. Any agent should be forthright in answering these questions:
- What insurance companies do they recommend if they are an independent agent?
- If your car is totalled, how to they determine the replacement cost?
- Do they assist clients in filing claims?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Are they full-time agents?
- Which members of your family are coverage by the policy?
- Is the agency involved in supporting local community causes?
After getting acceptable answers to your questions and an affordable coverage quote, most likely you have located an insurance agent that can properly insure your vehicles.
Include online companies when price shopping
Car insurance agents are perfect for certain consumers, but you also have the option of buying from online companies direct. Certain auto insurance companies who sell through agents in Manitowoc also allow you to buy direct online, and consumers should do that as an alternative to contacting agents.
If you’re uncomfortable with whether or not you’ll have guidance when buying online, don’t let it bother you. All companies that require consumers to choose their own coverages provide customer service for answering any questions you have. Consumers also can use live help and an extensive research center to make it easier to purchase.
Is car insurance cheaper online? It’s hard to say exactly because there are many components that determine the price you pay. You may think that a consumer who buys direct saves money because there is no agent involvement. But the fact is, marketing expenses are significant so rates may not be all that different from traditional agents.
A little work can save a LOT of money
As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are many occasions where drivers have reduced liability coverage limits and discovered at claim time that the savings was not a smart move. Your focus should be to buy a smart amount of coverage for the lowest price.
Low-cost car insurance is available on the web in addition to many Manitowoc insurance agents, so you should compare both so you have a total pricing picture. Some companies do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.
Online resources for education
Much more information about car insurance in Wisconsin is available on the website for the Wisconsin Office of the Commissioner of Insurance located here. Visitors are able to get help finding coverage, read industry bulletins, and find a variety of consumer forms.