When buying auto insurance in Collierville, you have many choices and selecting the best Collierville insurance agency for your needs is harder than just driving to the closest agent’s office. You need a highly trained agent, and also want to find the best price on auto insurance.
With consumers having so many different company options, it’s nearly impossible to choose the most affordable provider.
Compare online but buy from a local Collierville agent
Educated insurance agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of price shopping on the web is you can get the best rates and still choose a local agent.
After completing this short form, your insurance data is transmitted to local insurance agents who will battle for your business. You don’t have to leave your house because quoted prices will be sent straight to your inbox. How cool is that?!
Selecting an auto insurance agent shouldn’t rely on just the price. Any agent should be forthright in answering these questions:
- Does the agency have a good rating with the Better Business Bureau?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Is working in the agency their full-time job?
- Do the coverages you’re quoting properly cover your vehicle?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Are claim adjusters local or do you have to take your car somewhere else?
- How much will you save each year by using a higher deductible?
- How long has their agency been in business in Collierville?
Choose the right insurance agency
When looking for a good Collierville insurance agent, there are two types of agencies from which to choose. Insurance agencies in Collierville are classified as either captive or independent. Both types can properly insure your vehicles, but it’s important to know how they are different since it can impact the type of agent you choose
Captive Insurance Agents
Captive agents are contracted to one company and some examples include State Farm or Allstate. They are unable to give you multiple price quotes so they are skilled at selling on more than just price. These agents receive extensive training on the products they sell which helps them compete with independent agents.
The following are captive insurance agencies in Collierville who can help you get comparison quotes.
Allstate Insurance Co – 185 S Center St # 100 – Collierville, TN 38017 – (901) 854-6554
State Farm Insurance – 1011 W Poplar Ave # 3 – Collierville, TN 38017 – (901) 853-0831
Shelter Insurance – 567 W Poplar Ave – Collierville, TN 38017 – (901) 854-6178
Farm Bureau Insurance – 745 W Poplar Ave # 3 – Collierville, TN 38017 – (901) 850-5002
Farmers Insurance Group – 155 N Main St – Collierville, TN 38017 – (901) 452-9030
Independent Agencies or Brokers
Independent agents are not required to write business for one company but rather can write business with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part.
When comparing rates, we recommend you contact several independent insurance agents to get the best comparison.
Listed below is a short list of independent insurance agents in Collierville who can help you get rate quotes.
Homeland Insurance – 195 S Center St # 210 – Collierville, TN 38017 – (901) 853-1771
Nationwide Insurance – 890 W Poplar Ave # 3 – Collierville, TN 38017 – (901) 853-9147
Direct General Ins Agency – 555 S Center St # 1 – Collierville, TN 38017 – (901) 854-5858
Miller Agency – 610 W Poplar Ave # 3 – Collierville, TN 38017 – (901) 854-3456
For a complete listing of Collierville insurance agents, simply jump to this page.
After receiving positive responses in addition to an acceptable price estimate, most likely you have located an insurance agency that will adequately provide auto insurance.
Online alternative for car insurance
Insurance agencies are important, but you also have the option of buying from companies direct over the internet. Certain companies who employ agents also let you buy a policy online, and that can save time if you don’t want to take the time to contact agents.
If you’re apprehensive about choosing your own coverages when shopping online, this is expected but don’t let that bother you. Auto insurance companies have toll-free phone numbers and other options for answering any questions you have. Many online companies also provide live help and an extensive research center to make it easier to purchase.
Can buying online lower your premiums? It’s difficult to provide an answer because there are so many things that are calculated into your premium. It’s a logical assumption that a shopper who purchases direct reduces premiums because there is no agent. For most online online companies, however, it’s expensive to advertise so rates may not be all that different from traditional agents.
Informative consumer insurance sites
Additional detailed information can be found at the Tennessee Department of Commerce and Insurance website. Consumers can read enforcement actions against agents and companies, read state legal mandates and laws, and file complaints about an insurance agent or broker.
What is YOUR best insurance company?
As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped liability coverage limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at an affordable rate while still protecting your assets.
Budget-conscious auto insurance can be sourced from both online companies in addition to many Collierville insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.