If you’re looking for an insurance agent in Fishers, IN, you can do an initial search by getting online comparison quotes in order to save time. Consumers require a highly trained agent, but also affordable rates.
Lots of insurance agencies contend for your business, and because of this it can be hard to compare auto insurance agents to discover the definitive lowest rate possible.
How to buy car insurance from an agent in Fishers
Agents can help determine the best coverages and give you someone to call. One of the best bonuses of comparing rates online is you can get the lowest rates and still have an agent to talk to.
To help locate an agent, after submitting this simple form, the quote information gets sent to insurance agents in Fishers who will return price quotes for your coverage. You never need to even leave your home as quotes are delivered to the email address you provide. It doesn’t get any easier!
Picking a car insurance agent requires more thought than just a cheap price. These questions are important to ask:
- Which members of your family are coverage by the policy?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- What insurance companies do they recommend if they are an independent agent?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they specialize in personal lines coverage?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Are there any hidden costs in their price quote and does it include driving and credit history?
Do you need an independent or captive insurance agency?
When finding a local agent, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Agents are categorized either independent or captive. While both can properly insure your vehicles, but it’s important to know how they are different since it may influence the selection process.
Captive Agents
Captive agents have only one company to place business with like Farmers Insurance or State Farm. They generally cannot give you multiple price quotes so keep that in mind. Captive agents receive extensive training on the products they sell which helps them compete with independent agents. Some people will only choose to use a captive agent mostly because of the brand legacy and solid financial strength.
Listed below are captive insurance agencies in Fishers that are able to give price quote information.
- Farmers Insurance Group – 9915 Allisonville Rd # C – Fishers, IN 46038 – (317) 849-2696
- American Family Insurance – 9997 Allisonville Rd # A – Fishers, IN 46038 – (317) 577-5500
- State Farm – 9239 E 141st St – Fishers, IN 46038 – (317) 776-1500
Independent Agents
Independent insurance agents do not work for one specific company so they have the ability to put coverage with lots of companies and potentially find a lower price. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent.
When shopping rates, we recommend you include at a minimum one independent agency for the best price selection. Most have the option of insuring with smaller regional carriers who may have lower rates.
The following is a list of independent agents in Fishers that are able to give price quotes.
- May Insurance and Financial Svc – 10420 Hague Rd – Fishers, IN 46038 – (317) 845-0863
- Keith Mathews Agency – 11504 Moore St – Fishers, IN 46038 – (317) 841-9988
- Burnham and Flower Agency Inc – 10860 Blueberry Ln – Fishers, IN 46037 – (317) 598-0884
- Nationwide Insurance – 8779 E 116th St – Fishers, IN 46038 – (317) 915-5555
For a complete listing of insurance agents in Fishers, please view this page.
Once you have received answers to your satisfaction and an affordable coverage quote, it’s possible that you found an insurance agency that meets your needs to provide car insurance coverage.
Can you find lower rates by buying online?
Auto insurance agents are perfect for certain consumers, but Indiana car insurance can also be bought direct from companies online. Certain auto insurance companies who sell through the agent channel also permit you to get a quote and buy online, so this should also be taken into consideration if you want to do it yourself.
If you’re worried about whether or not you’ll have guidance, this really isn’t an issue. All companies that allow you to purchase coverage all have toll-free customer service that you can contact for information. They also make available a frequently asked questions page that can help answer basic questions.
The only way to determine whether online companies or local agents have lower rates is to set aside time to compare rates from both. Even though it sounds odd, people frequently get different pricing from the exact same provider depending on where you get the price quote from.
Is auto insurance cheaper online? Many people swear by it, but it’s difficult to answer since there are so many components which can adversely affect your policy premium. Some people think that going direct saves money because there is no agent involvement. But the reality is marketing expenses are significant and those expenses can offset most of the savings by selling direct.
Quote often and quote early
When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. Too many times, an accident victim reduced collision coverage and discovered at claim time they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage at a price you can afford.
Consumers who switch companies do it for a number of reasons such as extreme rates for teen drivers, high rates after DUI convictions, delays in responding to claim requests and even policy non-renewal. Regardless of your reason for switching companies, finding the right car insurance provider is not as hard as you think.
For more reading
More tips and info about car insurance is available at the Indiana Department of Insurance website. Indiana drivers can download brochures, find out industry alerts, and read state legal mandates and laws.
Other informative sites include QuoteClickInsure.com and this page on QuoteClickInsure.com.
