Smart Shoppers Guide to Finding the Best Insurance Agent in Kaysville

To find a good Kaysville agent, it’s recommended you do an initial search on the web rather than picking up the phone. For the sake of this article, we’ll assume that not only do you want a competent insurance agent, but you also want the lowest possible price.

With companies like State Farm, Allstate and Farmers Insurance all competing for business in Kaysville, consumers have a hard time knowing which provider will provide the lowest rates and best service. Thankfully, it’s easy to use online price quotes to assemble a group of insurance agents and thier coverage prices.

Quote online but still have a local agent

Educated insurance agents can point out coverage gaps and help submit paperwork. The biggest benefit of comparing rates online is you may find the lowest rates and still have an agent to talk to. Buying from small agencies is especially important in Kaysville.

For easy comparison, once you complete this quick form, the coverage information gets sent to insurance agents in Kaysville who will compete for your coverage. You never need to leave your computer since price quotes are sent immediately to your email address. It doesn’t get any easier! Get lower rates AND a local agent.

Types of auto insurance agents in Kaysville

When finding an insurance agent, there are a couple of types of insurance agents that you can select. Agents are either captive or independent (non-captive).

Independent Agencies or Brokers

Independent agents do not work for one specific company but instead can place your coverage with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent.

When shopping rates, you should always include price quotes from at least one independent agent for maximum quote selection. They also have the ability to place coverage with smaller companies which can be an advantage.

Listed below is a list of independent insurance agents in Kaysville that can give you comparison quotes.

  • Craig Insurance – 497 N Main St – Kaysville, UT 84037 – (801) 446-8811
  • Ray Werner Insurance Inc – 346 N Main St – Kaysville, UT 84037 – (801) 546-2966
Captive Insurance Agents

Captive agencies have only one company to place business with such as Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to provide prices from multiple companies so they have to upsell other benefits. They are trained well on their products and sales techniques and that can be a competitive advantage. Some consumers prefer to buy from captive agents primarily because of the prominence of the brand and strong financial ratings.

Listed below are Kaysville captive agencies who can help you get price quotes.

  • Farmers Insurance Group – 459 N 300 W # 14 – Kaysville, UT 84037 – (801) 529-1208
  • Allstate Insurance – 1 N Main St – Kaysville, UT 84037 – (801) 544-7922

For a full directory of captive insurance agencies in Kaysville, click here to link.

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

  • How many years of experience in personal lines insurance coverages do they have?
  • Are you getting all the discounts the company offers?
  • How long has their agency been open in Kaysville?
  • Do they receive special compensation for putting your coverage with one company over another?
  • How much will you save each year by using a higher deductible?
  • Is the agency involved in supporting local community causes?
  • Which company do they place the most coverage with?

Once you have received answers to your satisfaction to all your questions in addition to an acceptable price estimate, it’s possible that you found an auto insurance agent that can adequately provide car insurance.

The online alternatives

Insurance agencies are important, but Utah drivers can also buy from companies direct over the internet. Certain companies who employ agents also let you buy online. This is something to consider.

If you’re anxious about whether or not you’ll have guidance when buying online, that is quite common when buying online the first time. Car insurance companies have customer service departments to walk you through the process. They also have online education and live help anytime you can access prior to buying.

Is auto insurance cheaper online? That is a tough question to answer since there are many things that determine the price you pay. Many people think that a consumer who buys direct reduces premiums because there is no agent. For most online online companies, however, the cost of constant advertising is expensive so this can offset any savings.

More quotes mean more savings

When shopping online for car insurance, make sure you don’t skimp on coverage in order to save money. In too many instances, someone dropped liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to find the BEST coverage for the lowest price while not skimping on critical coverages.

Cost effective car insurance is definitely available from both online companies and with local Kaysville insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies do not offer the ability to get a quote online and these small, regional companies work with independent agents.

Kaysville UT insurance agents

Read more about Utah car insurance

Much more information about car insurance in Utah is available on the Utah Insurance Department website. Click here for link. Visitors are able to read state legal mandates and laws, read enforcement actions against agents and companies, and report car insurance fraud.

Other useful links include this online resource for free quotes in Utah and this link where you can get more info about Kaysville coverage.