Pascagoula Car Insurance Agency Rate Comparisons

Selecting a car insurance company in Pascagoula, Mississippi can be time consuming since there are a lot of options and picking a good Mississippi insurance agent is not as easy as just calling the closest agent. It’s likely you require not only a professional licensed agent, but you also want great rates as well.

With insurance companies like American Family, Allstate, State Farm and Farmers having offices in Pascagoula, it can be hard to know which one will provide you with the cheapest rates and the best coverage. Thankfully, it’s easy to use insurance quotes online to assemble a group of agencies and price estimates.

Quote online but still have a local agent

Insurance agents can help determine the best coverages and give you peace of mind. One of the great benefits of comparing rates online is you can get lower rates and still have an agent to talk to. Buying from local agencies is definitely important in Pascagoula.

After completing this form (opens in new window), your insurance coverage information is submitted to participating agents in Pascagoula who will compete for your business. There is no reason to even leave your home since price quotes are sent immediately to your email address. Now that’s easy!

Captive or Independent: There is a difference

When researching local Pascagoula agents, you need to know there are two different agency structures that differ in how they can insure your vehicles. Pascagoula agents are classified as either captive or independent (non-captive). Either one can insure your vehicles, but it’s worth learning the differences since it may influence your agent selection.

Independent Agents

Independent agents are not required to write business for one company but rather can write business with any number of different companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency.

When comparing rates, it’s recommended you get quotes from at a minimum one independent agency for the best price selection.

The following is a list of independent insurance agents in Pascagoula that may be able to provide rate quotes.

Lockard and Williams Insurance – 1505 Jackson Ave – Pascagoula, MS 39567 – (228) 762-2500
Jay Fletcher Insurance – 2006 Old Mobile Ave – Pascagoula, MS 39567 – (228) 762-0768
Crisis Management Agency – 1307 Jackson Ave – Pascagoula, MS 39567 – (228) 762-7688
Gary Smith Agency Inc – 1964 Market St – Pascagoula, MS 39567 – (228) 762-7511

Agency Captives

These agents write business for a single company like AAA, Allstate and State Farm. They generally cannot compare other company’s rates so they have no alternatives for high prices. Captive agents receive extensive training on their products and sales techniques which can be an advantage.

Listed below are Pascagoula captive agencies who can help you get rate quotes.

State Farm Insurance – 2106 14th St – Pascagoula, MS 39567 – (228) 769-8675

To view a complete directory of Pascagoula captive agencies, please go to this site.

Picking a car insurance agent shouldn’t rely on just the price. Any agent should have no problem answering these questions:

  • Does the agency have a good rating with the Better Business Bureau?
  • If they are an independent agency, which companies do they recommend?
  • How are claims handled?
  • Who are their largest clients?
  • Is the agent and/or agency licensed to do business in Mississippi?
  • Do they feel the quoted coverages are adequate?

Once you have satisfactory answers to all your questions and locked in a price quote, it’s possible that you found an auto insurance agent that will adequately provide car insurance.

How do online company rates compare?

Licensed agents are important, but you also have the option of buying from online companies direct. Some specific companies who sell through the agent channel also permit you to buy a policy online, so this should also be taken into consideration if you’re trying to lower your rates.

If you’re worried about not getting advice from an agent when buying direct, don’t be too concerned. Online insurance companies that allow you to purchase coverage provide options that you can contact for information.

Is it cheaper to buy online? It’s difficult to provide an answer due to the fact that there are multiple individual factors that influence how your policy is priced. It’s logical to say that a shopper who purchases direct cuts out the agent as a middleman. But truthfully, marketing their products costs a lot of money so there may not be significant savings.

Compare but don’t skimp

Consumers leave their current company for many reasons like high prices, delays in responding to claim requests, policy non-renewal or denial of a claim. Whatever your reason, switching companies can be less work than you think.

Cost effective car insurance can be found on the web as well as from independent agents in Pascagoula, and you should be comparing both so you have a total pricing picture. A few companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.

To learn even more about car insurance

Additional car insurance information is available on the website for the Mississippi Insurance Department found here. Mississippi drivers can find disaster information, find a variety of consumer forms, and read industry bulletins.

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