When shopping for car insurance, selecting the best Terre Haute auto insurance agent for your needs is not as easy as just calling the closest agent. It’s highly likely you want a good agent, but you also want to find the best rates possible.
With companies like American Family, Allstate, State Farm and independent agents all competing for business in Terre Haute, it’s difficult to determine which provider will have the best rates, service and coverage. To help decide, it’s easy to use online quoting to build a list of insurance agents and thier coverage prices.
Price shop online but buy from a local Terre Haute agent
Licensed agents can help determine the best coverages and give you peace of mind. The best thing about comparing insurance prices online is you can get lower rates but still work with a licensed agent. And supporting local agencies is definitely important in Terre Haute.
Once you complete this quick form, the coverage information is instantly submitted to companies in Terre Haute who will return price quotes for your business. You don’t have to drive around because quoted prices will be sent straight to your inbox. How cool is that?!
Terre Haute insurance agents come in two flavors
When researching a reputable insurance agent or broker, there are two types of agencies that differ in how they can insure your vehicles. Insurance agencies in Terre Haute are categorized either independent or captive. Both types can do a good job, but it’s worth learning how they differ since it may influence your selection of an agent.
Independent Agencies or Brokers
These agents are not employed by any specific company but instead can place your coverage with lots of companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies and you won’t have to switch agencies.
When comparison shopping, you should always include at least one independent agent to get the best comparison.Many can place coverage with lesser-known insurance companies which can be an advantage.
The following are Terre Haute independent agents who may be able to give you comparison quotes.
- Michael R Farr Agency Inc – 2901 Ohio Blvd # 270 – Terre Haute, IN 47803 – (812) 234-5551
- Mauriello Agency – 3000 Poplar St – Terre Haute, IN 47803 – (812) 232-3050
- Illiana Insurance – 520 E Springhill Dr – Terre Haute, IN 47802 – (812) 231-1191
- Sycamore Agency Inc – 999 Ohio St – Terre Haute, IN 47807 – (812) 238-1414
- Hauck Insurance Svc – 3000 Poplar St – Terre Haute, IN 47803 – (812) 234-7238
Captive agencies can only place business with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. They usually cannot place coverage with different providers so keep that in mind. Captive agencies receive extensive training on their products and sales techniques which helps them compete with independent agents. Consumers frequently choose to use a captive agent partially due to the prominence of the brand and the convenience of having a single billing for all their coverages.
Listed below are Terre Haute captive agents that can give you comparison quotes.
- State Farm Insurance – 1517 S 3rd St – Terre Haute, IN 47802 – (812) 232-3500
- Farm Bureau Insurance – 1500 Harding Ave – Terre Haute, IN 47802 – (812) 235-6271
- American Family Insurance – 903 S 25th St – Terre Haute, IN 47803 – (812) 238-1055
- Allstate Insurance – 2243 Lafayette Ave – Terre Haute, IN 47805 – (812) 466-4232
For a full directory of captive agents in Terre Haute, please view this page.
Deciding on an auto insurance agent shouldn’t rely on just the premium amount. Agents should be asked these questions:
- Are claim adjusters local or do you have to take your car somewhere else?
- Do the coverages you’re quoting properly cover your vehicle?
- Do they review policy coverages at every renewal?
- How long has their agency been in business in Terre Haute?
- What is the agency’s Better Business Bureau rating?
- Can they provide you with a list of referrals?
- If they are an independent agency, which companies do they recommend?
- Does the agency provide any after hours assistance?
After getting reasonable responses to your questions and locked in a price quote, it’s possible that you found a car insurance agent that will properly insure your vehicles.
Can you save by buying online?
Local insurance agents serve a purpose, but Indiana consumers also have the option to buy from online companies direct. Certain auto insurance companies who have local agents in Terre Haute additionally provide the ability to buy online, so that should be considered if you’re trying to lower your rates.
If you’re concerned about not having someone to ask questions when buying online, don’t be too concerned. All companies that require consumers to choose their own coverages all have toll-free customer service you can use to get advice on coverages. Additionally, most companies also offer extensive coverage information and 24/7 assistance to help with the buying process.
Do online companies provide lower prices? It’s difficult to say for sure due to the large number of individual components that impact your premium. It’s a common assumption that shopping direct cuts out the agent as a middleman. But the reality is marketing their products costs a lot of money and this tends to eat up any savings.
Online plus local equals savings
As you prepare to switch companies, you should never skimp on coverage in order to save money. There are too many instances where an insured dropped collision coverage only to discover later that the savings was not a smart move. The aim is to purchase a proper amount of coverage for the lowest price.
Lower-priced car insurance is attainable from both online companies and also from your neighborhood Terre Haute agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.
Additional information is located on the Indiana Department of Insurance website located here. Indiana drivers can file complaints about an insurance agent or broker, find out which companies have the most complaints, and view a list of available companies.