Rawlins Car Insurance Company Information

When finding a good insurance agent in Rawlins, WY, you can always begin your search by comparing rates online to save time. Consumers need a good agent, but also need the lowest rates in Rawlins.

Because there are so many insurance companies to choose from, it can be diffult for consumers to choose the lowest price provider.

Your local neighborhood insurance agent

Educated insurance agents can help determine the best coverages and help you file claims. The best thing about comparing insurance prices online is that you can obtain lower rates and still have an agent to talk to.

Once you complete this form (opens in new window), the coverage information is immediately sent to companies in Rawlins who will compete for your insurance coverage. You won’t need to leave your house as quotes are delivered directly to your email. How cool is that?! You’ll get the best rates AND an agent nearby.

Deciding on an auto insurance agent shouldn’t rely on just the bottom line cost. Some important questions to ask are:

  • Is the agency involved in supporting local community causes?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Are there any discounts that you might be missing?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Is working in the agency their full-time job?
  • How long has their agency been open in Rawlins?
  • Do the coverages you’re quoting properly cover your vehicle?

The different types of insurance agents

When searching for an insurance agent, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agents are categorized either independent or captive.

Agency Captives

This type of agents can only write with one company like State Farm, AAA, Farmers Insurance or Allstate. They are unable to compare other company’s rates so they have no alternatives for high prices. They are very knowledgeable on the products they sell which helps them compete with independent agents. Consumers sometimes buy from captive agents mostly because of high brand loyalty and strong financial ratings.

Listed below is a short list of captive insurance agents in Rawlins willing to provide price quote information.

  • State Farm Insurance – 205 W Cedar St – Rawlins, WY 82301 – (307) 324-6677
Independent Insurance Agents

Independent agents do not work for one specific company but instead can place your coverage amongst many companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies and that require little work on your part.

When comparing rates, it’s recommended you include price quotes from at a minimum one independent agency for maximum quote selection.Most can insure with lesser-known insurance companies which can be an advantage.

Shown below are independent insurance agents in Rawlins who can help you get price quote information.

  • Brown Agency Inc – 600 N Higley Blvd – Rawlins, WY 82301 – (307) 324-2100
  • Dabb Insurance – 316 E Cedar St – Rawlins, WY 82301 – (307) 324-4755
  • Allen Insurance and Real Estate – 501 W Buffalo St – Rawlins, WY 82301 – (307) 324-6611

For a full directory of Rawlins insurance agents, simply jump to this page.

Once you have received good answers to these questions as well as a affordable price, chances are good that you have found an insurance agent that can provide car insurance coverage.

Can I save by cutting out the agent?

Car insurance agents are indespensible for some people, but Wyoming drivers can also buy direct from companies online. Some specific companies who sell through the agent channel also permit you to buy direct on their websites, so keep that in mind and can also potentially find you lower rates.

If you’re worried about not getting proper coverage, this really isn’t an issue. Online car insurance companies that allow you to purchase coverage provide access to licensed agents for answering any questions you have. Consumers also can use 24/7 live help and a car insurance FAQ section to help you make a buying decision.

The best approach to find out if the best rates are online or from local agents is to get price quotes for both. You may actually get a different price when quoting both agents prices and online prices for the same auto insurance company.

Is pricing better online? Whether or not you’ll save is impossible to say since there are so many components that impact your premium. Common sense would say that buying car insurance online cuts out the agent as a middleman. But truthfully, marketing expenses are significant and that can cost more than having to pay agents.

Summing up your car insurance search

When shopping online for car insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut full coverage and learned later that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Rawlins WY agents

Drivers leave their current company for many reasons like high prices, unfair underwriting practices, questionable increases in premium or not issuing a premium refund. Regardless of your reason for switching companies, switching companies is not as difficult as it may seem.

Even more information is available at the Wyoming Insurance Department website. Visitors are able to find out which companies have the most complaints, discover disciplinary actions, and read enforcement actions against agents and companies.