Tips to Finding a Great Insurance Agency in Rocky Mount

If you’re trying to find an insurance agent in Rocky Mount, NC, it’s recommended you start your search by comparing prices online rather than picking up the phone. You need a professional licensed agent, and also cheaper auto insurance prices.

Many car insurance agents vie to insure your vehicles, so it can be very hard to choose a insurance agent and get the definite lowest rate

Car Insurance through a local Rocky Mount agent

Licensed agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of getting online price quotes is the fact that you can find the best rates but also keep your business local.

After filling out this form (opens in new window), your insurance data is instantly submitted to local insurance agents who will compete for your coverage. There is no reason to leave your computer because quoted prices will be sent straight to your inbox. It doesn’t get any easier! You can find better rates and a licensed agent to work with.

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

  • Do the coverages you’re quoting properly cover your vehicle?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Which insurance companies are they affiliated with?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Are they properly licensed to sell insurance in North Carolina?
  • What insurance company do they write the most business with?
  • How many years of experience in personal lines insurance coverages do they have?

Captive or Independent: There is a difference

When finding a reputable insurance agent or broker, there are a couple of different types of agents that you can select. Rocky Mount agents are categorized either captive or independent (non-captive).

Captive Agents

This type of agents are contracted to one company and some examples include State Farm or Allstate. These agents are not able to shop your coverage around so they have to upsell other benefits. Captive agents are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums.

Shown below are captive insurance agencies in Rocky Mount who may provide you with price quotes.

Allstate Insurance – 1330 Benvenue Rd – Rocky Mount, NC 27804 – (252) 977-3888
State Farm – 3305 Sunset Ave – Rocky Mount, NC 27804 – (252) 443-0036

Independent Agencies or Brokers

Independent agencies are not employed by any specific company so they can insure your vehicles with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent. When comparing rates, it’s a good idea to include price quotes from several independent insurance agents to ensure the widest selection of prices.

Shown below is a short list of independent agents in Rocky Mount that are able to give price quote information.

Mary Ruffin Insurance – 1376 Benvenue Rd – Rocky Mount, NC 27804 – (252) 446-2370
Bill Gregory Agency – 3013 Zebulon Rd – Rocky Mount, NC 27804 – (252) 443-3444
B B and T Insurance Svc – 110 Roundabout Ct – Rocky Mount, NC 27804 – (252) 977-2233
Direct General Ins Agency – 421 Sunset Ave – Rocky Mount, NC 27804 – (252) 977-3353
John Hackney Agency – 150 Roundabout Ct – Rocky Mount, NC 27804 – (252) 442-3186

For a complete listing of auto insurance agents in Rocky Mount, view this link.

After receiving good answers to any questions you have as well as a affordable price, chances are good that you have found an insurance agency that will adequately provide auto insurance.

Online auto insurance companies

Local insurance agents are important, but North Carolina consumers also have the option to buy directly from online companies. Some specific companies, such as State Farm, Allstate and Farmers, who have local agents in Rocky Mount also allow you to buy direct online. This is something to consider to possibly find a better rate.

If you’re worried about not having professional advice when buying car insurance direct, don’t be too concerned. Companies provide access to licensed agents for getting questions answered.

North Carolina insurance agents

Does car insurance cost less online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say due to the fact that there are multiple individual factors that are calculated into your premium. Many people think that buying car insurance online cuts out the middleman. For the majority of companies, however, advertising budgets are huge so there may not be significant savings.

Additional resources for North Carolina consumers

Even more information can be read at the North Carolina Department of Insurance website. North Carolina drivers can find disaster information, get help finding coverage, view agent and company licensing information, and find a variety of consumer forms.

Shop smart and save

People switch companies for a number of reasons such as high prices, lack of trust in their agent, extreme rates for teen drivers or policy non-renewal. Regardless of your reason, switching companies can be less work than you think.

Affordable auto insurance is definitely available online and also from your neighborhood Rocky Mount agents, so you should be comparing quotes from both to have the best selection. Some companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.