Quick Guide to Finding a Blair Insurance Agency

When searching for a good insurance agent in Blair, NE, you can do an initial search online rather than looking in the yellowpages. Consumers need a competent insurance agent, but also need competitive car insurance rates.

With consumers having so many choices of insurance companies, it can be impossible to choose the most affordable provider.

Shop online but buy locally

Licensed agents can answer important questions and help in the event of a claim. One of the great benefits of price shopping on the web is that you can obtain the lowest rates but also keep your business local.

By using this short form, the quote information is emailed to companies in Blair who will give you bids to get your business. You won’t need to visit any agencies due to the fact that quote results will go to the email address you provide. How cool is that?!

Selecting an insurance agency should depend on more than just a cheap price. Any agent should be forthright in answering these questions:

  • What insurance companies do they work with?
  • Will their companies depreciate repairs to your car based on the mileage?
  • What are the financial ratings for the companies they represent?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Which members of your family are coverage by the policy?
  • How are claims handled?
  • How are they compensated?
  • Does the agency provide any after hours assistance?

Types of insurance agents

When researching a local agent, there are two types of insurance agents that you can select. Insurance agencies in Blair are categorized either independent (non-captive) or captive. While both can insure your vehicles, but it’s important to know how they differ because it can impact the type of agent you choose

Agency Captives

Captive agents can only place business with one company and examples are AAA, State Farm, Farmers Insurance and Allstate. These agents are unable to place coverage with different providers so they have to upsell other benefits. Captive agencies are well schooled on the products they sell which helps them sell insurance even at higher premiums.

Shown below is a short list of captive insurance agencies in Blair that can give you rate quotes.

Farm Bureau Insurance – 1565 Washington St – Blair, NE 68008 – (402) 426-3440

Independent Agents (or Brokers)

Independent insurance agents are not required to write business for one company but rather can write business with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent. When shopping rates, it’s recommended you contact multiple independent agents for maximum quote selection.

Shown below are Blair independent insurance agents who can help you get comparison quotes.

Ryan Crop Insurance Svc Inc – 10942 Bridgeview Dr – Blair, NE 68008 – (402) 426-4084
Pavel Insurance – 1765 Washington St – Blair, NE 68008 – (402) 426-3780
Thompson Agency Ins and Real Est – 1712 Washington St – Blair, NE 68008 – (402) 426-4707
George Hall Agency Inc – 1641 Washington St – Blair, NE 68008 – (402) 426-4860
Hansen Agency Inc – 1636 Washington St – Blair, NE 68008 – (402) 426-2167

To view a full list of licensed insurance agents in Blair, visit this link.

After receiving positive feedback to these questions and an affordable coverage quote, it’s possible that you found an insurance agency that meets your needs to adequately provide car insurance.

Do online insurance companies have lower rates?

Insurance agents can be invaluable at times, but Nebraska drivers can also buy from companies direct over the internet. Certain auto insurance companies like State Farm and Allstate that are more known for using agents, also give you the option to buy direct online, so this should also be taken into consideration if finding the best price is important.

If you’re uncomfortable with having to choose coverages yourself, this really isn’t an issue. All companies that require consumers to choose their own coverages provide customer service you can use to get advice on coverages.

Can you save money buying online? That question is hard to answer because of the number of factors that determine your policy premium. It’s often assumed that a customer who purchases direcly from an online company prevents the agent from taking a cut. But in most cases, getting their brand in front of customers is expensive so there may not be significant savings.

When trying to find the best rates, the only way to determine if local insurance agents or online providers are cheaper is comparing rate quotes from both. Lots of times people will get different prices from the exact same provider depending on if you quote online or with an agent.

best Blair Nebraska agent

Final considerations

Consumers change insurance companies for a number of reasons such as policy non-renewal, not issuing a premium refund, questionable increases in premium or policy cancellation. Regardless of your reason, finding a new car insurance company is easier than you think.

As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. The aim is to purchase plenty of coverage for the lowest price while still protecting your assets.

Learn more about car insurance in Nebraska

Even more information can be found at the Nebraska Department of Insurance website. Nebraska consumers can view a list of available companies, file complaints about an insurance agent or broker, report car insurance fraud, and read industry bulletins.

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