Racine Car Insurance Agents – How to Find the Right One

When finding an insurance agent in Racine, Wisconsin, you can start your search on the web instead of calling around. The chances are good you’re not only searching for a friendly agent, but you also want the lowest possible price.

With insurance companies like Allstate, Farmers, State Farm and many independent agents having offices in Racine, it can be hard to know which will give you the best rates, service and coverage. To begin, consumers can use online quotes to assemble a group of agencies to choose from.

Compare Racine agent rates online

Licensed agents can answer important questions and help in the event of a claim. One of the best bonuses of getting online price quotes is that you can obtain lower rates but still work with a licensed agent. And supporting local insurance agencies is definitely important in Racine.

After filling out this simple form, the coverage information is instantly submitted to agents in your area who will compete for your insurance coverage. There is no need to visit any agencies since price quotes are sent to your email. Now that’s easy!

The difference between Racine auto insurance agents

If you’re trying to find an insurance agent, you need to know there are two different types of agents from which to choose. Agents are classified as either independent or captive. Either one can properly insure your vehicles, but it’s worth mentioning the differences because it can influence the type of agent you choose

Independent Agents (or Brokers)

Independent agencies are not employed by any specific company but instead can place your coverage with multiple insurance companies depending on which coverage is best. If you are not satisfied with one company, the business is moved internally without you having to go to a different agency. When comparison shopping, we recommend you include multiple independent agents to have the most options to choose from.

The following is a list of independent insurance agencies in Racine that can give you rate quotes.

Ed Gramza Agency – 5439 Durand Ave # 205 – Racine, WI 53406 – (262) 554-7080
Jim Tornoe Insurance – 3327 Douglas Ave – Racine, WI 53402 – (262) 639-5152
Insurance Solutions Plus Inc – 829 S Green Bay Rd – Racine, WI 53406 – (262) 633-3531
Mario Martinez Agency – 4900 Spring St # 101 – Racine, WI 53406 – (262) 632-5595
Annette Varnes Agency – 2623 Douglas Ave – Racine, WI 53402 – (262) 681-5577

Captive Insurance Agents

Captive agencies can only place business with one company like Farmers Insurance, American Family, State Farm and Allstate. They generally cannot compare other company’s rates so they have no alternatives for high prices. Captive agencies are well schooled on the products they sell and that can be a competitive advantage.

Shown below are Racine captive insurance agents willing to provide price quote information.

State Farm Insurance – 2053 Taylor Ave – Racine, WI 53403 – (262) 633-3344
Allstate Insurance – 1912 Lathrop Ave – Racine, WI 53405 – (262) 632-3124
American Family Insurance – 926 High St – Racine, WI 53402 – (262) 639-5151

To view a complete directory of Racine captive agents, go to this page.

Choosing an insurance agent requires more thought than just a low price. Ask your prospective agent these questions:

  • Does the agency provide any after hours assistance?
  • How are claims handled?
  • If your car is totalled, how to they determine the replacement cost?
  • Which insurance companies are they affiliated with?
  • Are claims handled at the agent’s location?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Does the agent have professional designations like CIC, CPCU or AIC?

Once you have received positive responses for all questions you ask and locked in a price quote, most likely you have located an insurance agent that meets your needs to provide car insurance coverage.

Don’t forget about online companies

Auto insurance agents are indespensible for some people, but Wisconsin car insurance can also be bought direct over the internet. Even companies, such as State Farm, Allstate and Farmers, that are more known for using agents, also let you buy a policy online, and online price comparisons are easy if you’re trying to lower your rates.

If you’re concerned about not having an insurance agent’s advice when buying car insurance direct, don’t sweat it. Online car insurance companies have customer service departments to walk you through the process.

Does coverage cost less online? It’s hard to say exactly since there may be dozens of rate factors that influence your rates. You may think that a shopper who purchases direct saves by not paying a commission. For the majority of companies, however, it’s expensive to advertise so rates may not be all that different from traditional agents.

Wisconsin insurance agency

More effort can pay off

When buying insurance coverage, don’t be tempted to buy less coverage just to save a little money. There are many occasions where consumers will sacrifice physical damage coverage and learned later they didn’t purchase enough coverage. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Cheap car insurance can be sourced online and also from your neighborhood Racine agents, so compare prices from both to have the best rate selection. Some insurance providers may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

Wisconsin car insurance information

More information is located on the website for the Wisconsin Office of the Commissioner of Insurance. Click here for link. Consumers can find disaster information, file complaints about an insurance agent or broker, view agent and company licensing information, and find out which companies have the most complaints.

The articles below may also help you learn more about car insurance in Racine