Morgantown Auto Insurance Agent Pricing Compared

When buying auto insurance in Morgantown, selecting the best Morgantown auto insurance agent for your needs is not as easy as just driving to the closest agent’s office. Consumers require a friendly agent, but also the best auto insurance prices in Morgantown.

Big-name insurance companies like State Farm, Progressive and GEICO constantly blast consumers with ads and it is difficult to avoid their marketing magic and take the time to shop coverage around.

Comparing rates from local agents

Agents can answer important questions and give you peace of mind. One of the best bonuses of getting online price quotes is the fact that you can find better rates but also keep your business local.

Once you complete this quick form, your information is instantly submitted to participating agents in Morgantown who will return price quotes to get your business. There is no reason to drive around due to the fact that quote results will go directly to your email. How cool is that?!

Deciding on an auto insurance agent needs to be determined by more than just the bottom line cost. Here are some questions to ask:

  • Do they review policy coverages at every renewal?
  • How are they compensated?
  • If they are an independent agency, which companies do they recommend?
  • Who are their largest clients?
  • Can glass repairs be made at your home?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Does the company allow you to choose your own collision repair facility?

Pick the best auto insurance agent in Morgantown for you

If you’re trying to find a reliable agent, you need to know there are two types of agencies that you can select. Insurance agencies in Morgantown can either be captive or independent. While both can do a good job, but it’s worth learning how they are different since it can impact the type of agent you choose

Captive Insurance Agents

This type of agents are contracted to one company and some examples include State Farm or Allstate. They are unable to compare other company’s rates so they have no alternatives for high prices. Captive agents are very knowledgeable on their products and sales techniques which can be an advantage.

Shown below is a short list of captive agents in Morgantown that can give you price quote information.

State Farm Insurance – 548 Beechurst Ave – Morgantown, WV 26505 – (304) 296-8151
Allstate Insurance – 1836 Listravia Ave – Morgantown, WV 26505 – (304) 292-0396

Independent Agencies or Brokers

Independent agencies do not work for one specific company but instead can place your coverage amongst many companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally and you don’t have to find a new agent.

When comparing rates, it’s a good idea to contact at least one independent agent to ensure the widest selection of prices.

Shown below are Morgantown independent agencies that are able to give price quotes.

Rotruck Insurance – 505 Ashebrooke Sq – Morgantown, WV 26508 – (304) 594-9370
White Agency – 1756 Mileground Rd # C – Morgantown, WV 26505 – (304) 291-5110
Burnell Insurance – 277 Don Knotts Blvd – Morgantown, WV 26501 – (304) 296-3229

For a full directory of auto insurance agents in Morgantown, please view this page.

Upon getting good answers for all questions you ask as well as a affordable price, you may have just found a car insurance agent that can properly service your auto insurance policy.

Alternatives to buying locally

Car insurance agents are important, but West Virginia consumers also have the option to buy from companies direct over the internet. Even companies, such as State Farm, Allstate and Farmers, that are more known for using agents, additionally provide the ability to buy a policy online, and that can save time.

If you’re anxious about not having someone to ask questions, don’t be too concerned. Online companies provide options you can use to get advice on coverages.

Are online premiums lower? The answer is complex since companies use quite a few components that influence your rates. It’s logical to say that purchasing direct online cuts out the agent as a middleman. But the fact is, advertising and marketing take a lot of money and those expenses can offset most of the savings by selling direct.

compare West Virginia insurance agents

More quotes mean more savings

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. In many instances, consumers will sacrifice collision coverage and discovered at claim time that the savings was not a smart move. Your focus should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Affordable auto insurance can be found on the web and also from your neighborhood Morgantown agents, and you need to comparison shop both to get a complete price analysis. Some companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

More information about auto insurance

Additional detailed information can be found at the West Virginia Insurance Commission website. West Virginia consumers can learn about insurance regulations, view agent and company licensing information, file complaints about a company, and read state legal mandates and laws.

The following information may also be useful.