Smart Shoppers Guide to Finding an Insurance Agent in Starkville

If you’re looking for a good insurance agent in Starkville, MS, you can begin your search using online quotes to save yourself time. You require a decent agent, and also competitive car insurance rates.

Many insurance agencies vie to insure your vehicles, so it can be very hard to choose a car insurance agent and get the best coverage at the best price available.

Online quotes with a local Starkville insurance agent

Agents can answer important questions and help in the event of a claim. The biggest benefit of price shopping on the web is you may find lower rates but still work with a licensed agent.

Upon completion of this simple form, your insurance coverage information is immediately sent to insurance agents in Starkville who will battle to get your business. There is no need to drive around due to the fact that quote results will go straight to your inbox. It doesn’t get any easier! You can find better rates and a licensed agent to work with.

Selecting an insurance agency needs to be determined by more than just the bottom line cost. Some important questions to ask are:

  • What insurance company do they write the most business with?
  • Do they make recommendations based only on price?
  • How are claims handled?
  • What insurance companies do they work with?
  • Can glass repairs be made at your home?
  • Will their companies depreciate repairs to your car based on the mileage?
  • How often do they review policy coverages?

Types of car insurance agents in Starkville

When searching for a good insurance agency, there are two types of insurance agents to choose from. Agencies in Starkville can either be captive or independent (non-captive).

Captive Agents

Captive agents have only one company to place business with such as AAA, Allstate and State Farm. These agents are not able to compare other company’s rates so always compare other rates. Captives are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Some consumers prefer to choose to use a captive agent primarily because of loyalty to the company and strong financial ratings.

Shown below are captive insurance agents in Starkville that can give you rate quotes.

  • Shelter Insurance – 501 Highway 12 W # 120 – Starkville, MS 39759 – (662) 324-7800
  • State Farm Insurance – 600 Hogan St # 1c – Starkville, MS 39759 – (662) 323-8311
  • Mississippi Farm Bureau Svc – 515 Academy Rd – Starkville, MS 39759 – (662) 323-4800
Independent Insurance Agents

Independent agencies do not work for one specific company so they have the ability to put coverage amongst many companies and potentially find a lower price. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part. When comparison shopping, you should always include at a minimum one independent agency for the best price selection. They also have the ability to place coverage with smaller regional carriers who may have lower rates.

Shown below is a short list of independent agents in Starkville that are able to give price quotes.

  • Reynolds Insurance and Real Est – 307 E Main St – Starkville, MS 39759 – (662) 323-5550
  • Direct General Ins Agency – 210 Highway 12 W # C – Starkville, MS 39759 – (662) 320-7033
  • Guide One Insurance – 500 Russell St – Starkville, MS 39759 – (662) 324-2276

To view a complete directory of Starkville insurance agents, please go to this site.

After receiving good answers for all questions you ask in addition to an acceptable price estimate, it’s possible that you found an insurance agent that can service your policy.

Are online companies an option?

Local insurance agents are important, but Mississippi car insurance can also be bought from online companies direct. Certain companies like Allstate and State Farm who employ agents also give you the option to buy online, so that should be considered as an alternative to contacting agents.

If you’re concerned about choosing your own coverages when buying direct, that is quite common when buying online the first time. Online companies that allow you to purchase coverage give you access to trained agents to answer any questions you may have. Also available are live help and 24/7 access that you can use if you have questions.

If the best price is important to you, the most effective way to determine whether online companies or local agents have lower rates is to get rates from both and compare them. Lots of times people will get different prices from online quotes as they do from local agents from exactly the same company. But it’s difficult to know if the lower rates are from agents or online unless you compare quotes for identical coverages utilizing both methods.

Is online auto insurance cheaper? That question is hard to answer since companies use quite a few components which can adversely affect your policy premium. It’s a logical assumption that going direct saves money by not requiring a commission. In many cases, there are very high advertising costs and this drives up their premium costs.

Read more about Mississippi car insurance

Even more information can be found at the Mississippi Insurance Department website. Mississippi drivers can read enforcement actions against agents and companies, find disaster information, and file complaints about a company.

More related Starkville car insurance information:

Smart shoppers get results

As you shop your coverage around, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to buy enough coverage at a price you can afford.

Consumers leave their current company for a number of reasons such as delays in paying claims, delays in responding to claim requests, extreme rates for teen drivers and policy cancellation. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.