Online Tools to Find the Best Insurance Agent in Emporia

If you’re looking for a good insurance agent in Emporia, KS, it’s recommended you begin your search using online quotes instead of calling around. You need a good agent, and also affordable rates.

With so many choices of insurance companies, it can be impossible to pick the lowest cost company.

Your local neighborhood insurance agent

Educated insurance agents can point out coverage gaps and give you peace of mind. One of the great benefits of comparing insurance prices online is the fact that you can find the best rates but still work with a licensed agent.

To make it easy to find an agent, after completing this short form, your insurance coverage information is instantly submitted to agents in your area who will return price quotes for your business. There is no need to drive around since price quotes are sent directly to your email. Now that’s easy! Get lower rates and work with a local agent.

Picking a car insurance agent should depend on more than just the price. Any agent should have no problem answering these questions:

  • Did they already check your driving record and credit reports?
  • Can they provide you with a list of referrals?
  • Will their companies depreciate repairs to your car based on the mileage?
  • What insurance companies do they recommend if they are an independent agent?
  • Will your rates increase after a single accident?

Insurance agent types

When finding a good insurance agency, there are two types of agencies from which to choose. Agents are either captive or independent.

Captive Agents

Captive agents are contracted to one company and some examples include State Farm, AAA and Liberty Mutual. These agents are not able to compare other company’s rates so they have no alternatives for high prices. These agents receive extensive training on their company’s products which can be an advantage. Consumers often purchase coverage from captives mostly because of the brand legacy and the convenience of having all coverages with one company.

Listed below is a list of captive insurance agents in Emporia who may provide you with rate quotes.

  • Farmers Insurance Group – 1225 W 6th Ave – Emporia, KS 66801 – (620) 342-0807
  • American Family Insurance – 722 W 6th Ave – Emporia, KS 66801 – (620) 342-0562
  • State Farm Insurance – 920 Commercial St – Emporia, KS 66801 – (620) 342-6272
  • Shelter Insurance – 127 W 6th Ave # A – Emporia, KS 66801 – (620) 342-3888
  • Allstate Insurance – 503 Commercial St – Emporia, KS 66801 – (620) 343-8689
Independent Agents (or Brokers)

Independent insurance agents are not required to write business for one company but instead can place your coverage with multiple insurance companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part.

When shopping rates, it’s recommended you include at least one independent agent for maximum quote selection.Most can insure with lesser-known insurance companies which can be an advantage.

Listed below is a list of independent insurance agents in Emporia who can help you get comparison quotes.

  • Steven S Graham Agency – 625 Merchant St # 222 – Emporia, KS 66801 – (620) 342-5299
  • Kuhlmann Insurance – 1704 Hammond Dr – Emporia, KS 66801 – (620) 342-3415
  • Tobias Agency – 702 Commercial St # 1b – Emporia, KS 66801 – (620) 342-7665
  • Prudential Insurance Co – 517 W 6th Ave – Emporia, KS 66801 – (620) 342-6777

To view a full list of insurance agents in Emporia, view this link.

Once you have received good answers to all your questions and an acceptable price quote, you have narrowed it down to an insurance agent that meets your needs to properly service your car insurance policy.

Include online companies when price shopping

Car insurance agents can be invaluable at times, but you also have the option of buying directly from online companies. Some specific companies like Allstate and State Farm that are more known for using agents, also allow consumers to buy online, and online price comparisons are easy if you are the do-it-yourself type.

If you’re concerned about not having an insurance agent’s advice when shopping online, this is expected but don’t let that bother you. Online car insurance companies all provide contact methods for getting the best coverage. Many online companies also provide extensive coverage information and 24/7 assistance so buying online is not difficult.

If the best price is important to you, the most effective way to determine where you can get the lowest rate, either online or from agents, is to get rates from both and compare them. You can actually get different rates from online quotes as compared to agent rates from the same company. It’s just impossible to know which is cheaper unless you actually compare identical quotes for both.

Is pricing better online? That question is hard to answer because of the fact that insurance companies use many factors that are calculated into your premium. It’s logical to say that a shopper who purchases direct cuts out the agent as a middleman. But that assumption is generally incorrect because there are very high advertising costs and that can cost more than having to pay agents.

More resources for learning

Additional detailed information is located at the Kansas Insurance Department website. Kansas consumers can learn about specific coverages, get help finding coverage, and read consumer alerts.

Other useful links include and

Emporia insurance agents

Final thoughts

Insureds leave their current company for any number of reasons including policy cancellation, high prices, high rates after DUI convictions or delays in paying claims. Regardless of your reason, switching companies can be easy and end up saving you some money.

As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. In many cases, consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. The aim is to purchase a proper amount of coverage for the lowest price.