Finding good car insurance in Johnson City can be challenging since you have many choices and picking a good Tennessee insurance agent is more difficult than just calling the closest agent. Chances are you require not only a professional agent, but you also want to find the best rates possible.
With companies like Farmers, Allstate, and independent agents having offices in Johnson City, it can be hard to know which one will give you the best service and rates. Thankfully, it’s easy to use online quotes to get a list of agencies and price estimates.
Comparing prices from Johnson City agents
Good agents are trained to spot inefficiencies and give you someone to call. The best thing about comparing insurance prices online is that you can obtain the best rates but still work with a licensed agent. And providing support for local insurance agencies is definitely important in Johnson City.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is emailed to agents in your area who will return price quotes for your business. You won’t need to drive around since price quotes are sent to your email. How cool is that?! You’ll get the best rates AND an agent nearby.
Independent or Captive: It’s your choice
When looking for a good insurance agency, there are two different types of agents from which to choose. Agencies in Johnson City are categorized either captive or independent (non-captive).
Independent Agents (or Brokers)
These agents are not required to write business for one company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies.
When shopping rates, it’s a good idea to include at a minimum one independent agency for the best price selection.
The following is a short list of independent agents in Johnson City that can give you rate quotes.
H E Booker Jr Insurance – 323 W Walnut St # 200 – Johnson City, TN 37604 – (423) 929-0252
Nat D Shoun Agency – 202 E Main St # 203 – Johnson City, TN 37604 – (423) 926-8032
Mc Kinney Insurance – 505 E Watauga Ave – Johnson City, TN 37601 – (423) 928-7406
Direct General Ins Agency – 3020 Bristol Hwy – Johnson City, TN 37601 – (423) 282-8877
R C Hunter Agency Inc – 207 E Main St # 2d – Johnson City, TN 37604 – (423) 926-9115
Agency Captives
Captive agents write business for a single company such as AAA, State Farm, Farmers Insurance and Allstate. They are unable to provide prices from multiple companies so keep that in mind. Captives receive extensive training on their products and sales techniques which can be an advantage.
Shown below is a list of captive agents in Johnson City that can give you price quotes.
Farmers Insurance Group – 208 Sunset Dr # 349 – Johnson City, TN 37604 – (423) 232-6800
Farm Bureau Insurance – 503 Princeton Rd # A – Johnson City, TN 37601 – (423) 283-4780
State Farm Insurance – 701 N State Of Franklin Rd – Johnson City, TN 37604 – (423) 926-7193
Allstate Insurance Co – 926 W Oakland Ave # 208 – Johnson City, TN 37604 – (423) 282-8016
To view a complete directory of Johnson City captive insurance agents, simply jump to this page.
Selecting a car insurance agent should depend on more than just the bottom line cost. These questions are important to ask:
- Do they assist clients in filing claims?
- Is assistance available after office hours?
- How much can you save by raising your physical damage deductibles?
- Do they regularly work with personal auto policies?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do the companies they represent have a solid financial rating?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Upon receiving satisfactory answers to these questions and a low price estimate, most likely you have located a car insurance agent that can insure your vehicles.
Can you find lower rates by buying online?
Car insurance agents serve a purpose, but you also have the option of buying Tennessee car insurance from companies direct over the internet. Certain auto insurance companies who employ agents additionally provide the ability to quote and buy online, and consumers should do that.
If you’re apprehensive about choosing your own coverages when buying direct, don’t sweat it. Online car insurance companies that allow you to purchase coverage provide phone numbers and online resources to help you decide which coverages are appropriate.
Can you find lower rates online? Whether or not you’ll save is impossible to say since there are so many factors that influence the price you pay. You may think that buying online saves money because there is no commission. For most companies selling online, however, getting their brand in front of customers is expensive so this can offset any savings.
The only way to determine whether online companies or local agents have lower rates is to compare price quotes from both. You may actually get a different price when quoting both agents prices and online prices from the same car insurance company. You won’t know if the lower rates are from agents or online until after you compare the same coverages both ways.
More comparisons equals lower rates
Consumers leave their current company for many reasons like policy cancellation, questionable increases in premium, poor customer service or policy non-renewal. It doesn’t matter what your reason, finding a new company can be easy and end up saving you some money.
As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, an insured cut liability coverage limits only to find out that it was a big mistake. Your goal should be to buy enough coverage at a price you can afford while not skimping on critical coverages.
Much more information about car insurance in Tennessee can be found on the website for the Tennessee Department of Commerce and Insurance located here. Tennessee drivers can discover disciplinary actions, view agent and company licensing information, report car insurance fraud, and get help finding coverage.
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