When finding a good Dunbar agent, you can always do the preliminary legwork using online quotes in order to save time. You need a good agent that listens to you, but also need decent rates too.
You have multiple insurance agencies to insure vehicles with, and even though it’s nice to have multiple companies, lots of choices makes it harder to compare rates and cut insurance costs.
Working with a local agent
Good agents can point out coverage gaps and help submit paperwork. The biggest benefit of getting online price quotes is you can get the lowest rates but also keep your business local.
Once you complete this quick form, the coverage information is transmitted to local insurance agents who will return price quotes for your business. You never need to leave your house as quotes are delivered to your email. How’s that for easy!
Selecting an insurance agent should depend on more than just the price. Any agent should be forthright in answering these questions:
- Is assistance available after office hours?
- If they are an independent agency, which companies do they recommend?
- Does the agent have professional designations like CIC, CPCU or AIC?
- If you have an accident, will your rates go up?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are they able to influence company decisions when a claim is filed?
- Who are their largest clients?
- Do they feel the quoted coverages are adequate?
What type of Dunbar auto insurance agent is right for you?
If you’re trying to find a good Dunbar insurance agent, there are two types of agencies that differ in how they can insure your vehicles. Agents are categorized either captive or independent. Either one can properly insure your vehicles, but it’s important to know the difference between them since it may influence the selection process.
Captive Insurance Agents
Captive agencies can only place business with one company such as Allstate, Farmers Insurance or State Farm. They are unable to shop your coverage around so they are skilled at selling on more than just price. Captive agents are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums. Some consumers prefer to choose to use a captive agent partially due to the brand legacy and the convenience of having a single billing for all their coverages.
Shown below are captive insurance agents in Dunbar that are able to give price quote information.
- Allstate Insurance – 436 12th St – Dunbar, WV 25064 – (304) 768-3318
- State Farm Insurance – 801 Dunbar Ave – Dunbar, WV 25064 – (304) 766-7166
Independent agents are not locked into one company but instead can place your coverage 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, we recommend you include price quotes from multiple independent agents for maximum quote selection. Many write coverage with smaller companies which may provide better rates.
Below is a short list of independent insurance agencies in Dunbar willing to provide price quote information.
- Valley Insurance Systems – 1229 Leone Ln – Dunbar, WV 25064 – (304) 768-1900
For a complete listing of licensed insurance agents in Dunbar, visit this link.
Once you have satisfactory answers to your questions and a good coverage price, you have narrowed it down to an insurance agent that meets your needs to insure your vehicles.
How do online company rates compare?
Local insurance agents are indespensible for some people, but West Virginia drivers can also buy direct over the internet. Some car insurance companies like Allstate and State Farm that sell primarily through agents also permit you to buy a policy online, and online price comparisons are easy if you are the do-it-yourself type.
If you’re uncomfortable with selecting your own policy coverages when buying direct, that is normal but is not a big issue. Auto insurance companies that allow you to purchase coverage all have client service departments to walk you through the process.
Is it cheaper to buy online? That is a tough question to answer since there are so many components that are calculated into your premium. You may think that a customer who purchases direcly from an online company saves money because there is no commission. In reality, online and traditional media advertising are expensive and those expenses can offset most of the savings by selling direct.
More tips and info about car insurance is located at the West Virginia Insurance Commission website. Consumers can read state legal mandates and laws, find out industry alerts, view agent and company licensing information, and discover disciplinary actions.
More related Dunbar car insurance information:
More quotes mean more savings
Consumers switch companies for any number of reasons including delays in paying claims, high prices, delays in responding to claim requests or high rates after DUI convictions. Regardless of your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.
Affordable car insurance is possible from both online companies in addition to many Dunbar insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.