Maryland Heights Auto Insurance Agent Lowest Rates

If you’re looking to buy auto insurance, there are a lot of options and finding the best Missouri auto insurance agent takes more work than just randomly choosing from the yellow pages. For the sake of this article, we’ll assume you require not only a good agent that listens to you, but also affordable coverage.

With insurance companies like Farmers, Allstate, and independent agents having local Maryland Heights offices, consumers have a hard time knowing which will provide the lowest rates and best service. To begin, you can use online price quotes to assemble a group of insurance agencies to choose from.

Working with a local agent

Agents can help determine the best coverages and give you peace of mind. The biggest benefit of comparing rates online is you may find the best rates but still work with a licensed agent. Supporting small agencies is especially important in Maryland Heights.

After completing this short form, your insurance data is immediately sent to local insurance agents who will return price quotes for your business. You never need to visit any agencies due to the fact that quote results will go to the email address you provide. Now that’s easy! You can find the lowest rates AND a local agent.

Below are Maryland Heights insurance agents that may be able to provide rate quotes.

Wells Insurance Group – 2458 Old Dorsett Rd # 220, Maryland Heights, MO 63043 – (314) 291-1700
Clyde P Klump Agency – 2864 Sugar Tree Ln, Maryland Heights, MO 63043 – (314) 739-0693
State Farm Insurance – 12131 Dorsett Rd # 207, Maryland Heights, MO 63043 – (314) 739-6210
Allstate Insurance – 12642 Dorsett Rd, Maryland Heights, MO 63043 – (314) 469-7575
American Family Insurance – 12131 Dorsett Rd # 126, Maryland Heights, MO 63043 – (314) 770-1900

Selecting an insurance agent requires more thought than just the premium amount. These questions are important to ask:

  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Does the agency support the community they serve?
  • What is the agency’s Better Business Bureau rating?
  • Can glass repairs be made at your home?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • If they are an independent agency, which companies do they recommend?

Once you have received satisfactory answers to all your questions as well as a affordable price, you’ve probably found an insurance agent that is a good match to insure your vehicles.

The online alternatives

Local insurance agents are important to many people, but Missouri car insurance can also be bought directly from online companies. Some specific companies, such as State Farm, Allstate and Farmers, who have local Maryland Heights agents also let you get quotes and purchase online, so that should be considered if you’re trying to lower your rates.

If you’re worried about not getting proper coverage when buying online, don’t be too concerned. All companies provide customer service to walk you through the process.

Does buying online save money? That is a tough question to answer due to the fact that there are multiple individual factors that impact your rate calculation. Common logic is that shopping online for auto insurance saves money because there is no commission. In many cases, there are high advertising and marketing costs and that impacts the rates consumers pay.

The best way to determine if car insurance prices are lower online or from agents is to make apples-to-apples comparisons of both. It’s not unheard of to actually get different prices from insurance agents and online quoting from the same company. You won’t know whether online or agents have the lower rates without quoting identical coverages from both.

Additional information can be read on the website for the Missouri Department of Insurance. Click here for link. Consumers can get help finding coverage, view agent and company licensing information, read consumer alerts, and file complaints about an insurance agent or broker.

quotes for Maryland Heights insurance

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And the best car insurance company is…

Drivers switch companies for a number of reasons such as not issuing a premium refund, lack of trust in their agent, denial of a claim and being labeled a high risk driver. It doesn’t matter why you want to switch switching companies is pretty simple and you could end up saving a buck or two.

While you’re price shopping online, do not reduce needed coverages to save money. There are many occasions where an insured dropped liability limits or collision coverage only to discover later that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage at the best price.