Tips to Finding a Great Insurance Agent in Wilson

To locate a licensed insurance agent in Wilson, you can always do the preliminary legwork online to save yourself time. We’re assuming you’re looking for a professional licensed agent, but you also want affordable coverage.

With State Farm, Allstate and Farmers Insurance having local Wilson offices, it’s hard to tell which one will have the best service and rates. To begin, consumers can get online quoting to assemble a group of insurance agencies and price estimates.

Compare online but buy from a local Wilson agent

Agents can answer important questions and help in the event of a claim. The best thing about comparing insurance prices online is that you can obtain the best rates but still work with a licensed agent. And providing support for small agencies is definitely important in Wilson.

To help locate an agent, after submitting this form (opens in new window), your insurance data is instantly submitted to agents in your area who will return price quotes for your insurance coverage. There is no reason to leave your house due to the fact that quote results will go straight to your inbox. How cool is that?!

Types of insurance agents

If you’re trying to find a good insurance agency, you must know there are a couple different agency structures that you can select. Insurance agencies in Wilson are classified as either independent or captive. While both can write coverage properly, but it’s good to learn how they are different because it can impact the type of agent you choose

Independent Agents (or Brokers)

Independent agents are not required to write business for one company so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. If your agent finds better pricing, they simply move the coverage in-house and that require little work on your part.

When comparing rates, you should always include price quotes from several independent insurance agents for maximum quote selection.Many can place coverage with smaller companies which can be an advantage.

Shown below is a list of independent agencies in Wilson that may be able to provide comparison quotes.

  • John Hackney Agency Inc – 608 Nash St W – Wilson, NC 27893 – (252) 291-3111
  • Hallmart Agency – 3621 Airport Blvd NW – Wilson, NC 27896 – (252) 243-1063
  • Daniel Insurance – 2707 Byerly Dr N – Wilson, NC 27896 – (252) 291-5303
  • Direct General Ins Agency – 308 Nash St NE – Wilson, NC 27893 – (252) 243-9770
  • Woodmen Of The World Insurance – 3105 Nash St NW – Wilson, NC 27896 – (252) 291-6778
Captive Insurance Agents

This type of agents work for only one company and examples are Allstate, AAA, Liberty Mutual and State Farm. They generally cannot provide prices from multiple companies so always compare other rates. They are usually quite knowledgeable on the products they sell which helps them compete with independent agents. Consumers sometimes choose to use a captive agent mostly because of the brand legacy and solid financial strength.

Listed below is a list of captive insurance agencies in Wilson willing to provide comparison quotes.

  • Allstate Insurance Co – 2702 Forest Hills Rd SW – Wilson, NC 27893 – (252) 237-2377
  • State Farm Insurance – 1211 Tarboro St SW – Wilson, NC 27893 – (252) 291-2172

For a complete listing of car insurance agents in Wilson, simply jump to this page.

Deciding on a car insurance agent shouldn’t rely on just the premium amount. Here are some questions to ask:

  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Do they specialize in personal lines coverage?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • How long has their agency been open in Wilson?
  • Do they review policy coverages at every renewal?
  • What insurance company do they write the most business with?

After receiving acceptable answers to any questions you have as well as a affordable price, it’s possible that you found an insurance agency that is a good match to adequately provide car insurance.

Purchasing car insurance direct online is an option

Local insurance agents serve a purpose, but you also have the option of buying North Carolina car insurance direct online. Some specific companies that are more known for using agents, additionally provide the ability to buy a policy online, and that can save time if you prefer to buy online.

If you’re apprehensive about not getting proper coverage, that is normal but is not a big issue. Car insurance companies all have client service departments for getting the best coverage. They also offer extensive coverage information and 24/7 assistance that you can use if you have questions.

Can you find lower rates online? The answer is complex due to the fact that there are many factors that determine the price you pay. Some people think that going direct saves money because there is no commission. But truthfully, advertising budgets are huge and that can quickly cost more than paying an agent.

Smart shoppers get results

Cheap car insurance can be bought online as well as from independent agents in Wilson, and you should compare price quotes from both to have the best selection. There are still a few companies who don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

compare Wilson NC insurance agents

When you buy insurance online, do not reduce coverage to reduce premium. There are too many instances where an insured cut full coverage only to find out they didn’t have enough coverage. Your focus should be to buy enough coverage at an affordable rate while still protecting your assets.

North Carolina insurance information

Additional car insurance information can be found on the North Carolina Department of Insurance website located here. Visitors are able to download brochures, read enforcement actions against agents and companies, read consumer alerts, and learn about specific coverages.