Quick Guide to Researching a Pearl Insurance Agent

Finding good car insurance in Pearl can be challenging since choosing the right Pearl auto insurance agent is not as easy as just picking up the phone. You require a great agent that can assess your needs, but also need the lowest rates for car insurance in Pearl.

Online insurance companies like Allstate, Liberty Mutual and State Farm constantly blast consumers with TV and radio ads and it is challenging if not impossible to see past the geckos and flying pigs and find the best price available.

Quote online, buy local

Educated insurance agents can help determine the best coverages and give you someone to call. One of the great benefits of comparing rates online is the fact that you can find the best rates and still have an agent to talk to.

To find an agent, once you fill out this simple form, your information is instantly submitted to local insurance agents who will compete to get your business. You never need to visit any agencies as quotes are delivered straight to your inbox. How cool is that?!

Deciding on an insurance agency needs to be determined by more than just a cheap price. Ask your prospective agent these questions:

  • Do they feel the quoted coverages are adequate?
  • Do they review policy coverages at every renewal?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Is the agency involved in supporting local community causes?
  • Will your rates increase after a single accident?
  • Can glass repairs be made at your home?
  • How long have they worked with personal auto insurance coverage?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

Do you need an independent or captive auto insurance agent?

If you’re trying to find local Pearl agents, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Pearl are classified as either independent (non-captive) or captive. Both properly insure your vehicles, but it’s important to know the difference between them since it may influence buying decisions.

Captive Insurance Agents

These agents are contracted to one company such as Farmers Insurance, American Family, State Farm and Allstate. They are unable to compare other company’s rates so keep that in mind. Captives are very knowledgeable on their company’s products and that can be a competitive advantage.

Below is a list of captive agents in Pearl who can help you get rate quotes.

State Farm Insurance – 401 Cross Park Dr # F – Pearl, MS 39208 – (601) 939-4224
Allstate Insurance – 617 Black Oak Cir – Pearl, MS 39208 – (601) 939-9310

Independent Agencies or Brokers

These agents are not locked into one company so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency. When searching for an agent, you should always include at a minimum one independent agency to have the most options to choose from.

Listed below are Pearl independent agencies willing to provide comparison quotes.

Andy Eaton Insurance – 3170 Highway 80 E – Pearl, MS 39208 – (601) 939-0102
Direct General Ins Agency – 2914b Highway 80 E – Pearl, MS 39208 – (601) 936-9060
Dean Kirby Insurance – 110 Airport Rd S # E – Pearl, MS 39208 – (601) 939-5968
Strickland General Agency – 202 Spring Lake Cv – Pearl, MS 39208 – (601) 933-0056

For a full directory of Pearl insurance agents, go to this page.

After receiving reasonable responses to these questions and a good coverage price, you may have just found a car insurance agent that is a good match to service your policy.

Aren’t online insurance companies like GEICO cheaper?

Licensed agents are indespensible for some people, but you can also find affordable Mississippi auto insurance directly from online companies. Some car insurance companies like State Farm and Allstate who have local agents in Pearl also allow consumers to get quotes and purchase online. This is something to consider.

If you’re anxious about selecting your own policy coverages when buying car insurance direct, don’t be too concerned. Online insurance companies all have client service departments to answer any questions you may have.

Does coverage cost less online? That is a tough question to answer since companies use quite a few components that can increase policy rates. Some people think that shopping online for auto insurance reduces premiums because there is no agent. But the reality is it’s expensive to advertise and that can cost more than having to pay agents.

Pearl Mississippi independent agents

Learn more about car insurance in Mississippi

Additional detailed information is available at the Mississippi Insurance Department website. Mississippi consumers can find out which companies have the most complaints, view a list of available companies, view agent and company licensing information, and learn about insurance regulations.

Also read more on this link for Mississippi coverage information and CarInsuranceDIY.com.

In conclusion

Cheaper car insurance can be found from both online companies as well as from independent agents in Pearl, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

As you restructure your insurance plan, never skimp on coverage in order to save money. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.