Finding good car insurance in Elkins can be challenging since there are a lot of options and selecting the best Elkins insurance agency for your needs takes more work than just driving to the closest agent’s office. You require a competent insurance agent, but also need the best car insurance prices in Elkins.
You have multiple insurance agents to buy insurance from, and though it is a good thing to have multiple companies, it can be more difficult to find the lowest cost provider.
Online quotes with a local Elkins insurance agent
Good agents can point out coverage gaps and give you someone to call. The biggest benefit of comparing insurance prices online is you can get lower rates and still have an agent to talk to.
To help locate an agent, after submitting this quick form, your insurance data is immediately sent to local insurance agents in Elkins who will return price quotes to get your business. You never need to drive around since price quotes are sent to your email. Now that’s easy!
Deciding on an auto insurance agent shouldn’t rely on just the price. Any agent should be forthright in answering these questions:
- Is the agency involved in supporting local community causes?
- Is vehicle mileage a factor when determining depreciation for repairs?
- How long has their agency been in business in Elkins?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Does the agency have a good rating with the Better Business Bureau?
Best insurance agent in Elkins
If you’re trying to find local Elkins agents, you must know there are a couple different agency structures that you can select. Agents are either captive or independent (non-captive). While both can insure your vehicles, but it’s worth learning how they are different since it may influence your selection of an agent.
This type of agents can only write with one company and examples are Allstate, Farmers Insurance or State Farm. These agents are unable to shop your coverage around so always compare other rates. Captive agencies are trained well on their products and sales techniques which helps them sell insurance even at higher premiums.
The following are Elkins captive insurance agencies that can give you price quote information.
State Farm Insurance – Beverly Pike – Elkins, WV 26241 – (304) 636-5101
Allstate Insurance – 1513 Harrison Ave – Elkins, WV 26241 – (304) 637-5227
Independent Agents (or Brokers)
Independent agencies are not employed by any specific company so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part.
When comparison shopping, we recommend you include several independent insurance agents to get the best comparison.
Below is a list of independent insurance agencies in Elkins who can help you get rate quotes.
Allegheny Insurance – 104 3rd St – Elkins, WV 26241 – (304) 636-1680
W W Nelson Insurance – 1111 S Davis Ave – Elkins, WV 26241 – (304) 636-5156
For a full directory of insurance agents in Elkins, visit this site.
Upon receiving good answers to your questions and a good coverage price, chances are good that you have found an insurance agency that is a good match to insure your vehicles.
Do online companies have better prices?
Insurance agencies can be invaluable at times, but you can also buy West Virginia car insurance direct online. Certain companies, such as Farmers Insurance and State Farm, who sell through agents in Elkins also permit you to buy a policy online. This is something to consider.
If you’re uncomfortable with not getting proper coverage, this is normal but is quickly overcome. Online companies provide toll-free numbers to answer any questions you may have. They also make available live chat and online tools to help you make a buying decision.
Does it save money buying online? It’s difficult to say for sure because there are so many things which can adversely affect your policy premium. It’s a common assumption that a customer who purchases direcly from an online company reduces premiums because there is no agent. But truthfully, online and traditional media advertising are expensive and that can quickly cost more than paying an agent.
If the lowest price is important, the best way to know if the cheapest policy comes from an agent or online is getting rates for as many of both types of providers as possible. It’s possible to get different rates from the same company when they use both methods. But you can’t find out which is cheaper unless free rate quotes are compared for both.
Smart consumers save more
Insureds who switch companies do it for many reasons like delays in responding to claim requests, delays in paying claims, questionable increases in premium or not issuing a premium refund. Whatever your reason, finding a new company is not as hard as you think.
As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where an insured cut collision coverage only to regret at claim time that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at a price you can afford.
More detailed West Virginia car insurance information is available at the West Virginia Insurance Commission website. Visitors are able to read state legal mandates and laws, report car insurance fraud, and view agent and company licensing information.