When trying to find an insurance agent in Spanish Fork, Utah, we recommend you do the preliminary legwork on the web rather than looking in the yellowpages. Chances are good you not only want a professional licensed agent, but you also need the best rates possible.
With companies like American Family, Allstate, State Farm and Farmers all competing for your business, it’s difficult to determine which auto insurance agent will give you the best service and rates. Thankfully, you can use online quotes to assemble a group of agents from which to choose.
Spanish Fork agents for auto insurance
Educated insurance agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of comparing rates online is you may find better rates and still choose a local agent. Supporting local insurance agencies is important particularly in Spanish Fork.
After completing this quick form, your information is instantly submitted to participating agents in Spanish Fork who will return price quotes for your insurance coverage. You don’t have to even leave your home due to the fact that quote results will go straight to your inbox. Now that’s easy!
Is a captive or independent auto insurance agent right for you?
When looking for a good Spanish Fork insurance agent, there are two different types of agents that differ in how they can insure your vehicles. Agencies in Spanish Fork can either be independent (non-captive) or captive. Both types can insure your vehicles, but it’s worth mentioning how they differ since it may influence buying decisions.
Independent Agents (or Brokers)
Independent insurance agents are not employed by any specific company but rather can write business with many different companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to find a new agent. When comparison shopping, it’s a good idea to get quotes from multiple independent agents for the best price selection. Most have the option of insuring with different regional companies who may have lower rates.
The following are independent insurance agencies in Spanish Fork that are able to give pricing information.
- Fox Insurance – 985 N 500 E – Spanish Fork, UT 84660 – (801) 794-9944
- Randy Tuckett Agency – 67 E 100 N – Spanish Fork, UT 84660 – (801) 798-9849
- Stephen Wilson Insurance – 220 N Main St – Spanish Fork, UT 84660 – (801) 798-9288
Captive Agents
Captive insurance agents are contracted to one company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are not able to place coverage with different providers so it’s a take it or leave it situation. They are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers often choose to use a captive agent primarily because of high brand loyalty and strong financial ratings.
Shown below is a short list of captive insurance agencies in Spanish Fork willing to provide rate quotes.
- American Family Insurance – 1086 N Main St – Spanish Fork, UT 84660 – (801) 794-0933
- Farm Bureau Insurance – 810 N Main St # 100 – Spanish Fork, UT 84660 – (801) 798-1603
- Allstate Insurance – 185 N Main St – Spanish Fork, UT 84660 – (801) 798-9666
To view a full list of captive insurance agents in Spanish Fork, please view this page.
Choosing an insurance agency needs to be determined by more than just a cheap price. Ask your prospective agent these questions:
- Are there any discounts that you might be missing?
- Does the agency support the community they serve?
- Do the companies they represent have a solid financial rating?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Who is covered by the car insurance policy?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- If they are an independent agency, which companies do they recommend?
- How many years of experience in personal lines insurance coverages do they have?
Upon receiving good answers to these questions and an affordable coverage quote, chances are good that you have found an insurance agency that can properly service your auto insurance policy.
Online car insurance companies
Car insurance agents are important to many people, but you also have the option of buying Utah car insurance from companies direct over the internet. A few companies who sell through the agent channel also allow you to quote and buy online, and that is helpful if you want to do it yourself.
If you’re uncomfortable with not having professional advice when shopping online, don’t sweat it. Online insurance companies provide phone numbers and online resources that you can contact for information.
If you have the time, the only way to find out if the best rates are online or from local agents is to set aside time to compare rates from both. It’s even possible to receive different pricing from the same company when they get quotes from both.
Is online auto insurance cheaper? It’s hard to say exactly since there are so many factors that are calculated into your premium. Common logic is that buying car insurance online saves by not paying a commission. For the majority of companies, however, it’s expensive to advertise so there may not be significant savings.
For more information
Additional auto insurance information can be read on the Utah Insurance Department website. Click here for link. Utah drivers can find out industry alerts, download brochures, and find disaster information.
More related Spanish Fork auto insurance information:
Shop smart and save
Drivers change insurance companies for any number of reasons including policy cancellation, unfair underwriting practices, being labeled a high risk driver and even high prices. Regardless of your reason for switching companies, finding the right auto insurance provider can be less work than you think.
When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced physical damage coverage only to find out that it was a big mistake. The ultimate goal is to get the best coverage possible at a price you can afford, not the least amount of coverage.
