If you’re looking for a good Evansville agent, you can start your research by comparing prices online instead of calling around. Consumers require a great agent that can assess your needs, but also need the lowest rates for auto insurance in Evansville.
Companies like Progressive, Geico and Farmers Insurance increase brand awareness with catchy ads and it is difficult to avoid their marketing magic and find the best price available.
How to buy auto insurance from an agent in Evansville
Educated insurance agents can answer important questions and help submit paperwork. One of the great benefits of price shopping on the web is you may find better rates but also keep your business local.
Once you complete this quick form, your insurance data gets sent to local insurance agents who will compete for your coverage. You won’t need to even leave your home because quoted prices will be sent straight to your inbox. Now that’s easy!
Selecting an auto insurance agent needs to be determined by more than just a cheap price. Here are some questions to ask:
- Do they regularly work with personal auto policies?
- Does the company allow you to choose your own collision repair facility?
- Can they provide you with a list of referrals?
- What insurance company do they write the most business with?
- Are there any discounts that you might be missing?
- Do they have any clout with companies to ensure a fair claim settlement?
- Are there any hidden costs in their price quote and does it include driving and credit history?
Two types of car insurance agents
When looking for a reputable insurance agent or broker, you need to know there are two different agency structures that differ in how they can insure your vehicles. Evansville agents are categorized either independent or captive. Both types can do a good job, but it’s worth mentioning the difference between them because it can influence your agent selection.
Captive Insurance Agents
Captive agents can only write with one company such as Farmers Insurance or State Farm. They are unable to place coverage with different providers so they are skilled at selling on more than just price. Captive agents are well schooled on the products they sell which helps them compete with independent agents. Consumers sometimes buy insurance from these agents mostly because of the prominence of the brand and solid financial strength.
The following are captive agents in Evansville that can give you price quote information.
- Farmers Insurance Group – 5130 Vogel Rd # 202 – Evansville, IN 47715 – (812) 401-4606
- Farm Bureau Insurance – 445 Cross Pointe Blvd # 120 – Evansville, IN 47715 – (812) 479-9902
- Shelter Insurance – 2205 E Morgan Ave # 102 – Evansville, IN 47711 – (812) 477-3004
- State Farm Insurance – 516 N Fares Ave # D – Evansville, IN 47711 – (812) 422-1195
- American Family Insurance – 1016 S Weinbach Ave # J – Evansville, IN 47714 – (812) 479-1424
- Allstate Insurance – 2900 N 1st Ave – Evansville, IN 47710 – (812) 425-3300
- Liberty Mutual Insurance – 4424 Vogel Rd # 403 – Evansville, IN 47715 – (812) 473-3214
Independent Agencies or Brokers
These agents are not locked into one company but rather can write business with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies.
When comparison shopping, it’s recommended you include price quotes from multiple independent agents for maximum quote selection. They also have the ability to place coverage with smaller regional carriers which can save you money.
Listed below is a short list of independent agencies in Evansville willing to provide price quote information.
- Ron Higgs Agency – 4837 University Dr – Evansville, IN 47712 – (812) 423-5491
- Federated Insurance Co – 4905 Pollack Ave – Evansville, IN 47715 – (812) 474-1407
- Rick Vanhoose Agency – 5130 Vogel Rd # 201 – Evansville, IN 47715 – (812) 473-2090
- Barthel Agency – 2811 Secretariat Ct – Evansville, IN 47720 – (812) 423-7716
- Kassenbrock Insurance Svc – 2603 N 1st Ave – Evansville, IN 47710 – (812) 464-3633
To view a complete directory of licensed insurance agents in Evansville, simply jump to this page.
Once you have positive feedback to your questions and locked in a price quote, you may have just found a car insurance agent that will properly insure your vehicles.
Do online companies have better prices?
Insurance agencies are important to many people, but Indiana car insurance can also be bought from companies direct over the internet. Even companies like Allstate and State Farm that sell primarily through agents also give you the ability to buy a policy online, and that can save time if you prefer to buy online.
If you’re apprehensive about choosing your own coverages, don’t be too concerned. Auto insurance companies all provide contact methods for getting the best coverage. Many online companies also provide online education and live help anytime to help with the buying process.
Can you save money buying online? Many people swear by it, but it’s difficult to answer since companies use quite a few components that are calculated into your premium. It’s a logical assumption that buying online saves money because there is no commission. But the fact is, getting their brand in front of customers is expensive and that impacts the rates consumers pay.
A little work can save a LOT of money
When you buy insurance online, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. Your strategy should be to buy the best coverage you can find at an affordable rate.
The cheapest auto insurance is definitely available online as well as from independent agents in Evansville, and you should be comparing both to have the best chance of lowering rates. A few companies don’t offer online price quotes and these small, regional companies work with independent agents.
More tips and info about auto insurance is available at the Indiana Department of Insurance website. Visitors are able to learn about insurance regulations, read consumer alerts, and file complaints about a company.