When buying car insurance in Olive Branch, you have many choices and finding the best Mississippi insurance agency is more difficult than just making a phone call. You require a competent insurance agent, but also the lowest rates for car insurance in Olive Branch.
Since consumers have many online and local companies to choose from, it’s nearly impossible to pick the lowest price insurance company.
Car Insurance through a local Olive Branch agent
Agents can point out coverage gaps and help you file claims. One of the best bonuses of comparing insurance prices online is the fact that you can find the lowest rates and still choose a local agent.
To help locate an agent, after submitting this quick form, your insurance coverage information is submitted to participating agents in Olive Branch who will compete to get your business. There is no reason to drive around due to the fact that quote results will go to your email. It doesn’t get any easier!
Picking an insurance agent requires more thought than just a cheap price. Agents should be asked these questions:
- If you are a high risk driver, do they have special markets for your coverage?
- If your car is in the repair shop, do you have coverage for a rental car?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- What will you get paid if your car is a total loss? How is that amount determined?
- Are there any discounts that you might be missing?
- Do they receive special compensation for putting your coverage with one company over another?
- Will your rates increase after a single accident?
Two types of Olive Branch insurance agencies
When looking for local Olive Branch agents, you must know there are a couple types of agencies that you can select. Agencies in Olive Branch are either independent or captive. Either one can properly insure your vehicles, but it’s worth mentioning how they are different since it may influence the type of agent you choose
Captive Agents
Captive agencies have only one company to place business with and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They generally cannot give you multiple price quotes so they have no alternatives for high prices. Captive agencies are trained well on their company’s products which helps them compete with independent agents.
Listed below are captive agencies in Olive Branch who may provide you with price quotes.
Farm Bureau Insurance – 6901 Cockrum St – Olive Branch, MS 38654 – (662) 893-5250
State Farm Insurance – 7307 Goodman Rd – Olive Branch, MS 38654 – (662) 895-7775
Shelter Insurance – 7189 Hunters Horn Dr – Olive Branch, MS 38654 – (662) 890-4762
Independent Agencies or Brokers
Independent agents do not work for one specific company but instead can place your coverage with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies. When searching for an agent, it’s a good idea to include price quotes from at a minimum one independent agency for maximum quote selection.
Listed below is a list of independent insurance agents in Olive Branch that can give you price quotes.
Nationwide Insurance – 7183 Goodman Rd – Olive Branch, MS 38654 – (662) 895-1000
Moayad Agency – 8880 Germantown Rd # 505 – Olive Branch, MS 38654 – (662) 890-9444
Clm Insurance Group – 9125 Pigeon Roost Rd – Olive Branch, MS 38654 – (662) 895-5853
Milton Cushman Agency – 9356 Goodman Rd # 102 – Olive Branch, MS 38654 – (662) 895-4334
For a complete listing of car insurance agents in Olive Branch, visit this site.
Upon receiving positive feedback to any questions you have in addition to an acceptable price estimate, most likely you have located an auto insurance agent that is a good match to adequately provide car insurance.
Is buying direct online an option?
Licensed agents are important to many people, but Mississippi car insurance can also be bought direct from companies that only sell online. Certain auto insurance companies, such as State Farm, Allstate and Farmers, who have local Olive Branch agents also let you buy direct online, so this should also be taken into consideration to possibly find a better rate.
If you’re anxious about whether or not you’ll have guidance, this is expected but don’t let that bother you. Companies provide toll-free numbers to help you decide which coverages are appropriate. Also available are live help and an extensive research center to help you make a buying decision.
Can you save money buying online? It’s difficult to say for sure due to the large number of individual components which can adversely affect your policy premium. Common sense would say that a shopper who purchases direct saves by not paying a commission. But the fact is, online and traditional media advertising are expensive so the rates may be similar to buying from an agent.
What is YOUR best insurance company?
When shopping online for car insurance, it’s not a good idea to reduce coverage to reduce premium. In too many instances, an insured cut liability coverage limits and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at a price you can afford while still protecting your assets.
Cheap car insurance can be found both online in addition to many Olive Branch insurance agents, so compare prices from both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.
Even more information is available at the Mississippi Insurance Department website. Mississippi consumers can find a variety of consumer forms, find out industry alerts, learn about insurance regulations, and file complaints about a company.
Also read more on this link for Mississippi coverage information and CarInsuranceDIY.com.
