Tips for Finding a Sherwood Auto Insurance Agent

Comparing car insurance companies in Sherwood, Arkansas can be challenging because there are a lot of options and picking a good Arkansas insurance agency takes more work than just randomly choosing from the yellow pages. Most likely that not only do you want a good agent, but also the lowest possible price.

With companies like State Farm, Allstate, Farmers and independent agents having local Sherwood offices, it can be hard to know which one will provide the best service and rates. Thankfully, you can use online price quotes to assemble a group of insurance agencies and price estimates.

How to compare Sherwood car insurance rates

Insurance agents can help determine the best coverages and give you peace of mind. One of the best bonuses of comparing rates online is you can get the lowest rates and still choose a local agent. Supporting local businesses is important particularly in Sherwood.

To make it easy to find an agent, after completing this simple form, your insurance data is transmitted to local insurance agents in Sherwood who will give you bids for your coverage. You never need to drive around as quotes are delivered to your email. Now that’s easy! You can find better rates without the usual hassles of price shopping.

Choose the right car insurance agent

If you’re trying to find a reliable agent, there are two different agency structures from which to choose. Agents are either captive or independent.

Independent Insurance Agents

Independent insurance agents are not locked into one company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the business is moved internally without you having to go to a different agency.

When shopping rates, it’s recommended you get quotes from multiple independent agents for the best price selection.

Below is a short list of independent insurance agents in Sherwood who may be able to give you price quotes.

Scott Scherz Insurance – 4705 Somers Ave – Sherwood, AR 72116 – (501) 791-1600
Thomas and Assoc Agency Inc – 3156 Austin Bayside Dr – Sherwood, AR 72120 – (501) 834-8700
Mc Ghee Insurance Inc – 8210 John F Kennedy Blvd – Sherwood, AR 72120 – (501) 392-0300

Agency Captives

These agents can only place business with one company such as AAA, State Farm, Farmers Insurance and Allstate. Captives cannot compare other company’s rates so always compare other rates. They are usually quite knowledgeable on their products and sales techniques which can be an advantage.

Listed below is a short list of captive insurance agencies in Sherwood that can give you price quote information.

Allstate Insurance Co – 4620 John F Kennedy Blvd – Sherwood, AR 72116 – (501) 758-6209
Shelter Insurance – 9903 Brockington Rd # 103 – Sherwood, AR 72120 – (501) 834-0050
State Farm Insurance – 4117 John F Kennedy Blvd – Sherwood, AR 72116 – (501) 753-3317

For a complete listing of Sherwood captive insurance agents, view this link.

Selecting a car insurance agent shouldn’t rely on just the premium amount. Any agent should have no problem answering these questions:

  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Do they feel the quoted coverages are adequate?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • If they are an independent agency, which companies do they recommend?
  • Do they receive special compensation for putting your coverage with one company over another?

After receiving positive responses to all your questions and a low price estimate, you have narrowed it down to an insurance agency that will provide car insurance coverage.

Isn’t it cheaper to buy direct online without an agent?

Insurance agencies are a valuable resource, but you also have the option of buying Arkansas car insurance direct from companies online. Some car insurance companies like State Farm and Allstate who sell through agents in Sherwood also give you the ability to buy online, and online price comparisons are easy if finding the best price is important.

If you’re uncomfortable with having to choose coverages yourself when buying online, don’t sweat it. Auto insurance companies that allow you to purchase coverage have customer service departments you can use to get advice on coverages. You may also access a frequently asked questions page you can access prior to buying.

Can buying online lower your premiums? That is a tough question to answer since there are so many components which can adversely affect your policy premium. Common logic is that buying directly from the company saves money by not requiring a commission. But in most cases, online and traditional media advertising are expensive so rates may not be all that different from traditional agents.

compare Sherwood Arkansas insurance agents

Additional Arkansas car insurance resources

Additional information is located on the website for the Arkansas Insurance Department located here. Arkansas drivers can find out which companies have the most complaints, find a variety of consumer forms, view a list of available companies, and download brochures.

The following articles may also be useful.

The best insurance company isn’t always the cheapest

When buying insurance coverage, do not reduce needed coverages to save money. There have been many cases where an accident victim reduced full coverage and learned later that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at the best price, not the least amount of coverage.

Lower-priced car insurance is definitely available both online as well as from independent agents in Sherwood, so you should compare both to get a complete price analysis. Some insurance providers don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.