Price Comparisons for Grandview Auto Insurance Agents

When searching for a licensed insurance agent in Grandview, you can do the preliminary legwork for an agent online instead of calling around. We’re guessing you’re wanting a friendly agent, but you also need the best rates possible.

With companies like Farmers, Allstate, and independent agents all competing for business in Grandview, it’s difficult to determine which provider will provide the best rates, service and coverage. Fortunately, consumers can use online price quotes to get a list of insurance agents and thier coverage prices.

How to find Grandview insurance agents online

Educated insurance agents can answer important questions and help you file claims. The biggest benefit of comparing insurance prices online is you can get better rates and still choose a local agent. Buying from local agencies is especially important in Grandview.

By using this short form, your insurance data is emailed to local insurance agents who will give you bids for your coverage. There is no need to even leave your home since price quotes are sent directly to your email. How’s that for easy!

Listed below are agents in Grandview that are able to give price quotes.

American Family Insurance – 13002 10th St, Grandview, MO 64030 – (816) 763-9114
Allstate Insurance – 11902 Blue Ridge Ext # Q, Grandview, MO 64030 – (816) 761-8200
Farmers Insurance Group – 12400 Blue Ridge Ext, Grandview, MO 64030 – (816) 765-8484
American Family Insurance – 6400 Main St # B, Grandview, MO 64030 – (816) 966-1955
State Farm Insurance – 12142 Blue Ridge Ext, Grandview, MO 64030 – (816) 763-3600
Direct General Ins Agency – 11902 Blue Ridge Ext # B, Grandview, MO 64030 – (816) 761-9908

Deciding on an auto insurance agent needs to be determined by more than just a low price. Any agent should be forthright in answering these questions:

  • Do they make recommendations based only on price?
  • Are they properly licensed to sell insurance in Missouri?
  • What are the financial ratings for the companies they represent?
  • What insurance company do they write the most business with?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • What insurance companies do they work with?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • How much can you save by raising your physical damage deductibles?

Once you have received reasonable responses to your questions and an acceptable price quote, you have narrowed it down to a car insurance agent that will properly service your auto insurance policy.

You have the option to buy auto insurance direct online

Licensed agents are important, but Missouri car insurance can also be bought direct online. A few companies that sell primarily through agents also give you the ability to buy a policy online, and consumers should do that if finding the best price is important.

If you’re concerned about whether or not you’ll have guidance when buying car insurance direct, don’t sweat it. All companies that require consumers to choose their own coverages provide options to walk you through the process.

Do online companies have better rates? That question is hard to answer since there are many things that are calculated into your premium. It’s a logical assumption that a shopper who purchases direct cuts out the middleman. But in reality, the cost of constant advertising is expensive so rates may not be all that different from traditional agents.

The best way to determine if prices are better online or from an agent is to get free quotes from both and compare them. You may actually get a different price from the SAME company from their online quote form as compared to an agent. It’s just impossible to know where you can get the lowest rates without quoting coverages using both methods.

Missouri independent agents

Keep this in mind

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced comprehensive coverage or liability limits only to find out that it was a big mistake. The ultimate goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Drivers change insurance companies for many reasons like questionable increases in premium, high rates after DUI convictions, delays in responding to claim requests and even an unsatisfactory settlement offer. It doesn’t matter why you want to switch choosing a new insurance company can be less work than you think.

Some additional reading

More information can be found on the website for the Missouri Department of Insurance found here. Missouri consumers can view agent and company licensing information, report car insurance fraud, read industry bulletins, and discover disciplinary actions.