Tips for Finding a Mountain Home Insurance Agent

When trying to find an insurance agent in Mountain Home, ID, you can do the preliminary legwork for an agent online to save yourself time. You need a good agent that listens to you, but also cheaper auto insurance prices.

Big companies like Allstate and Progressive constantly bombard you with fancy advertisements and it is challenging if not impossible to ignore the promise of big savings and take the time to shop coverage around.

Compare Mountain Home agent rates online

Insurance agents can answer important questions and help in the event of a claim. One of the best bonuses of comparing rates online is you may find lower rates and still choose a local agent.

After filling out this short form, the quote information is immediately sent to local insurance agents who will return price quotes for your business. You don’t have to leave your computer since price quotes are sent straight to your inbox. Now that’s easy!

Selecting an insurance agent should depend on more than just a low price. Ask your prospective agent these questions:

  • Which company do they place the most coverage with?
  • If you have an accident, will your rates go up?
  • Do they review policy coverages at every renewal?
  • Does the agency support the community they serve?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Which insurance companies are they affiliated with?
  • Which members of your family are coverage by the policy?

The type of insurance agency you choose is important

When researching local Mountain Home agents, you must know there are a couple types of agencies that you can select. Agents are either independent or captive. Both types can insure your vehicles, but it’s worth learning the difference between them because it can impact the type of agent you choose

Captive Insurance Agents

Captive insurance agents are contracted to one company like Farmers Insurance or State Farm. They usually cannot give you multiple price quotes so always compare other rates. Captives are well schooled on their products and sales techniques which can be an advantage. Consumers frequently choose to use a captive agent mostly because of the brand legacy and solid financial strength.

The following are captive insurance agents in Mountain Home that can give you rate quotes.

  • State Farm Insurance – 218 N 2nd E – Mountain Home, ID 83647 – (208) 587-9006
  • Farm Bureau Insurance – 2165 W 6th S # 2 – Mountain Home, ID 83647 – (208) 587-8484
  • Farmers Insurance Group – 110 Rattlesnake Ave # A – Mountain Home, ID 83647 – (208) 587-9096
  • Allstate Insurance Herron Agcy – 365b N 3rd E – Mountain Home, ID 83647 – (208) 587-7431
Independent Agents (or Brokers)

Independent agents are not locked into one company but rather can write business with many different companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part. When comparing rates, we recommend you contact several independent insurance agents to have the most options to choose from. Many write coverage with lesser-known insurance companies who may have lower rates.

Below are Mountain Home independent agencies who can help you get price quote information.

  • Still and Leavitt Insurance Inc – 160 N 2nd E – Mountain Home, ID 83647 – (208) 587-3146
  • Farm Bureau Insurance – 2165 W 6th S # 2 – Mountain Home, ID 83647 – (208) 587-8484
  • Jim Sanders Agency – 230 American Legion Blvd – Mountain Home, ID 83647 – (208) 587-3387

For a complete listing of Mountain Home insurance agents, simply jump to this page.

Once you have positive responses in addition to an acceptable price estimate, most likely you have located an insurance agent that is a good match to service your policy.

Don’t forget about online-only companies

Car insurance agents serve a purpose, but Idaho drivers can also buy from companies direct over the internet. Some specific companies like Allstate and State Farm who sell through the agent channel also give you the ability to get a quote and buy online, and that can save time and can also potentially find you lower rates.

If you’re uncomfortable with whether or not you’ll have guidance when buying car insurance direct, that should not be a issue. Online car insurance companies all have toll-free customer service for customer questions.

If the best price is important to you, the most effective way to determine if local insurance agents or online providers are cheaper is to take the time to compare rates from both. It’s even possible to receive different pricing for the exact same company when comparing online quotes to a quote from an agent.

Is it cheaper to buy online? It’s difficult to say for sure because there are so many things that influence your rates. It’s a common assumption that shopping online for auto insurance saves the cost of an agent commission. In many cases, advertising and marketing take a lot of money and that can quickly cost more than paying an agent.

Affordable insurance is out there

Drivers switch companies for a variety of reasons including questionable increases in premium, high prices, delays in responding to claim requests or even lack of trust in their agent. Regardless of your reason for switching companies, choosing a new insurance company is not as difficult as it may seem.

While you’re price shopping online, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where someone sacrificed liability coverage limits and learned later they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at the best price.

best Idaho agent

Additional resources for Idaho consumers

More detailed Idaho auto insurance information is located at the Idaho Department of Insurance website. Idaho consumers can discover disciplinary actions, find disaster information, and read state legal mandates and laws.

The following articles may also be useful.