Quick Guide to Searching for a Kearney Insurance Agent

If you’re looking for an insurance agent in Kearney, Nebraska, it’s recommended you start your search by getting online comparison quotes instead of calling around. Chances are you want an excellent agent, but also great rates as well.

With companies like independent agents, Allstate and State Farm all competing for your business, it’s difficult to determine which one will give you the best rates, service and coverage. Thankfully, consumers can get online quotes to build a list of agents and price estimates.

Buying car insurance locally

Insurance agents can answer important questions and help you file claims. One of the best bonuses of comparing insurance prices online is the fact that you can find the best rates but still work with a licensed agent. Buying from small agencies is especially important in Kearney.

Upon completion of this short form, your information is submitted to agents in your area who will give you bids for your coverage. There is no reason to leave your house since price quotes are sent directly to your email. How’s that for easy!

Multiple types of car insurance agents in Kearney

When finding a reliable agent, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Agents are either captive or independent. Both properly insure your vehicles, but it’s important to know how they differ because it can impact your selection of an agent.

Independent Agents

Independent agencies are not required to write business for one company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency.

When comparing rates, you should always include at least one independent agent to ensure the widest selection of prices.

Shown below is a short list of independent insurance agents in Kearney who can help you get pricing information.

Donald Vogt Insurance Svc – 13 W Railroad St – Kearney, NE 68847 – (308) 237-2094
Jan Reimers Agency – 202 W 30th St – Kearney, NE 68845 – (308) 236-6607
Gary Thompson Agency – 2615 2nd Ave – Kearney, NE 68847 – (308) 234-4910
Shada Insurance Svc – 124 W 46th St – Kearney, NE 68847 – (308) 237-5509
Roger Anderson Agency – 4903 Parklane Dr – Kearney, NE 68847 – (308) 237-5184

Captive Insurance Agents

Captive agencies can only place business with one company such as AAA, Allstate and State Farm. These agents are unable to compare other company’s rates so they are skilled at selling on more than just price. They are trained well on the products they sell which helps them sell insurance even at higher premiums.

Below is a short list of captive insurance agencies in Kearney that can give you price quote information.

Farm Bureau Insurance – 1840 Highway 30 E – Kearney, NE 68847 – (308) 234-2222
American Family Insurance – 124 W 46th St # 102 – Kearney, NE 68847 – (308) 236-6868
Allstate Insurance – 5205 2nd Ave – Kearney, NE 68847 – (308) 237-2222
Shelter Insurance – 816 E 25th St # 7 – Kearney, NE 68847 – (308) 237-0758
Farmers Insurance Group – 124 W 25th St – Kearney, NE 68847 – (308) 236-6063
State Farm Insurance – 201 W 18th St – Kearney, NE 68845 – (308) 234-9812

To view a full list of captive agents in Kearney, go to this page.

Selecting a car insurance agent needs to be determined by more than just the bottom line cost. Ask your prospective agent these questions:

  • Do they carry Errors and Omissions coverage?
  • Will your rates increase after a single accident?
  • Are claims handled at the agent’s location?
  • Are there any discounts that you might be missing?
  • How are they compensated?

Upon receiving answers to your satisfaction and locked in a price quote, you have narrowed it down to an insurance agency that will service your policy.

Do online insurance companies have lower rates?

Professional insurance agents serve a purpose, but Nebraska car insurance can also be bought direct over the internet. Certain auto insurance companies that sell primarily through agents also allow consumers to buy direct online, and online price comparisons are easy if the lowest rate is your goal.

If you’re worried about selecting your own policy coverages, that shouldn’t be an issue. Auto insurance companies all have toll-free customer service for customer questions.

Do customers save by switching to an online company? It’s hard to say exactly due to the large number of individual components that influence how your policy is priced. It’s a common assumption that buying car insurance online cuts out the agent as a middleman. But in reality, getting their brand in front of customers is expensive so this can offset any savings.

quotes for Kearney insurance

Compare but don’t skimp

Cheaper car insurance can be purchased both online as well as from independent agents in Kearney, so compare prices from both in order to have the best price selection to choose from. Some car insurance companies don’t offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

People switch companies for any number of reasons including being labeled a high risk driver, poor customer service, questionable increases in premium and even extreme rates for teen drivers. Regardless of your reason, finding a great new company is not as difficult as it may seem.

Additional car insurance links

Much more information about car insurance in Nebraska can be found on the website for the Nebraska Department of Insurance located here. Visitors are able to file complaints about a company, file complaints about an insurance agent or broker, and find disaster information.

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