When pricing auto insurance in Owasso, Oklahoma, picking a good Oklahoma car insurance agent is not as easy as just picking up the phone. For the sake of this article, we’ll assume you’re wanting a good professional insurance agent, but you also need great rates as well.
With companies like State Farm, Allstate, Farmers and independent agents having local Owasso offices, consumers have a hard time knowing which one will have the best service and rates. Thankfully, you can use online quoting to assemble a group of insurance agencies and price estimates.
Buying car insurance locally
Good agents can point out coverage gaps and help in the event of a claim. One of the great benefits of getting online price quotes is you can get the lowest rates and still choose a local agent. And supporting small agencies is important particularly in Owasso.
To make it easy to find an agent, after completing this form (opens in new window), the quote information is instantly submitted to local insurance agents who will give you bids for your insurance coverage. There is no reason to visit any agencies as quotes are delivered to your email. Now that’s easy! It’s the lowest rates without the usual hassles of price shopping.
The type of insurance agency you choose is important
When looking for a reliable agent, you need to know there are two different agency structures that you can select. Owasso agents can either be independent (non-captive) or captive.
Independent Insurance Agents
Independent agencies do not work for one specific company but instead can place your coverage with multiple insurance companies and potentially find a lower price. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies.
When shopping rates, you should always get quotes from at a minimum one independent agency for the best price selection. Many write coverage with different regional companies which can save you money.
Shown below is a list of independent agents in Owasso who may be able to give you price quote information.
- Cloyd O’Dell Agency – 8506 N 128th East Ave – Owasso, OK 74055 – (918) 272-4700
- Buddy Mc Carty Insurance Inc – 12150 E 96th St N – Owasso, OK 74055 – (918) 272-5364
- American National Kirby Agency – 8818 N 127th East Ave – Owasso, OK 74055 – (918) 376-9890
- Farm Bureau Insurance – 427 E 2nd Ave – Owasso, OK 74055 – (918) 376-1933
Agency Captives
Captive agents work for only one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. They generally cannot compare other company’s rates so keep that in mind. Captive agencies receive extensive training on their products and sales techniques which can be an advantage. Consumers frequently buy insurance from these agents partially due to loyalty to the company and solid financial strength.
The following is a short list of captive insurance agents in Owasso willing to provide price quote information.
- Allstate Insurance – 9220 N Garnett Rd # B – Owasso, OK 74055 – (918) 272-3636
- Farm Bureau Insurance – 427 E 2nd Ave – Owasso, OK 74055 – (918) 376-1933
- Shelter Insurance – 8414 N 123rd East Ave # C – Owasso, OK 74055 – (918) 274-8331
- State Farm Insurance – 11620 E 86th St N – Owasso, OK 74055 – (918) 272-6221
- Farmers Insurance Group – 8418 N 123rd East Ave – Owasso, OK 74055 – (918) 272-2208
For a complete listing of captive insurance agents in Owasso, go to this page.
Deciding on a car insurance agent requires more thought than just the bottom line cost. These questions are important to ask:
- What insurance companies do they recommend if they are an independent agent?
- Can they give you a list of client referrals?
- How long have they worked with personal auto insurance coverage?
- Do they assist clients in filing claims?
- How much can you save by raising your physical damage deductibles?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Are they properly licensed to sell insurance in Oklahoma?
Once you have received good answers for all questions you ask and a low price estimate, it’s possible that you found an insurance agent that will provide auto insurance coverage.
Can you buy online and save?
Car insurance agents are important, but Oklahoma drivers can also buy direct from companies online. Some specific companies, such as State Farm, Allstate and Farmers, who have local Owasso agents additionally provide the ability to get quotes and purchase online, so that should be considered if you’re trying to lower your rates.
If you’re worried about not getting advice from an agent when buying online, this is expected but don’t let that bother you. Car insurance companies provide options you can use to get advice on coverages. They also make available online help and live chat you can access prior to buying.
The only way to determine where you can get the lowest rate, either online or from agents, is comparing prices for both of them. It’s possible to get different rates when comparing quotes online and from an agent from the same company.
Will auto insurance cost less online? That question is hard to answer due to the fact that there are multiple individual factors that are calculated into your premium. Some people think that buying online cuts out the agent as a middleman. But truthfully, the cost of constant advertising is expensive and that can cost more than having to pay agents.
In the end, you save
As you prepare to switch companies, do not buy poor coverage just to save money. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.
Consumers change insurance companies for many reasons like an unsatisfactory settlement offer, denial of a claim, lack of trust in their agent or even not issuing a premium refund. It doesn’t matter why you want to switch switching auto insurance companies is easier than you think.
Much more information about auto insurance in Oklahoma is located on the Oklahoma Insurance Department website through this link. Consumers can find disaster information, read state legal mandates and laws, find a variety of consumer forms, and discover disciplinary actions.
