Top Tips to Find a Car Insurance Agent in Lexington

To find a licensed insurance agent in Lexington, it’s recommended you do the preliminary legwork on the internet to save time. We’re guessing that not only do you want a professional licensed agent, but you also want to find affordable coverage.

With Farmers, Allstate, and independent agents all competing for business in Lexington, consumers have a hard time knowing which one will provide the best rates, service and coverage. Fortunately, consumers can use online price quotes to get a list of insurance agents and price estimates.

Working with a local agent

Educated insurance agents can help determine the best coverages and help in the event of a claim. The biggest benefit of getting online price quotes is the fact that you can find the best rates and still have an agent to talk to. And supporting small agencies is important especially in Lexington.

By using this short form, the coverage information is instantly submitted to insurance agents in Lexington who will return price quotes for your coverage. There is no need to leave your house since price quotes are sent straight to your inbox. How’s that for easy! You can find better rates AND an agent nearby.

Independent or Captive: It’s your choice

If you’re trying to find a reputable insurance agent or broker, there are two types of insurance agents that differ in how they can insure your vehicles. Agents are either captive or independent.

Independent Agencies or Brokers

Independent agents are not required to write business for one company but instead can place your coverage with many different companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part.

When comparing rates, we recommend you get quotes from at a minimum one independent agency to get the best comparison.

Shown below is a list of independent agents in Lexington that may be able to provide rate quotes.

Farm Bureau Insurance – 411 E Pacific St – Lexington, NE 68850 – (308) 324-6355
Roger R Batt Insurance – 505 N Madison St – Lexington, NE 68850 – (308) 324-6645
Pinnacle Agency – 525 N Washington St – Lexington, NE 68850 – (308) 324-4641

Agency Captives

Captive agents can only write with one company and examples are American Family, State Farm and Allstate. They are unable to provide prices from multiple companies so it’s a take it or leave it situation. Captive agents are trained well in insurance sales and that can be a competitive advantage.

Below is a list of captive insurance agencies in Lexington that can give you comparison quotes.

Shelter Insurance – 513 N Grant St # A – Lexington, NE 68850 – (308) 324-5314
State Farm Insurance – 302 E 6th St – Lexington, NE 68850 – (308) 324-5588
Farm Bureau Insurance – 411 E Pacific St – Lexington, NE 68850 – (308) 324-6355
American Family Insurance – 309 W 5th St – Lexington, NE 68850 – (308) 324-6897

For a full directory of captive agents in Lexington, view this link.

Selecting a car insurance agent shouldn’t rely on just the price. Here are some questions to ask:

  • What are the financial ratings for the companies they represent?
  • Are they able to influence company decisions when a claim is filed?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Does the agency have a good rating with the Better Business Bureau?
  • Is working in the agency their full-time job?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Are there any discounts that you might be missing?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?

Once you have received satisfactory answers to your questions as well as a affordable price, chances are good that you have found an insurance agency that is a good match to properly insure your vehicles.

Are online companies an option?

Insurance agencies are perfect for certain consumers, but Nebraska consumers also have the option to buy direct from companies online. Even companies who sell through agents in Lexington also give you the option to get a quote and buy online, so keep that in mind.

If you’re worried about not having professional advice when buying direct, that is quite common when buying online the first time. Auto insurance companies that require consumers to choose their own coverages provide options you can use to get advice on coverages.

compare Lexington NE insurance agents

Is auto insurance cheaper online? Many people swear by it, but it’s difficult to answer because there are so many things that influence your rates. It’s a common assumption that a shopper who purchases direct cuts out the middleman. But in most cases, marketing their products costs a lot of money and that can quickly cost more than paying an agent.

Smart shoppers get results

Cheaper car insurance is definitely available on the web and with local Lexington insurance agents, and you need to comparison shop both to have the best selection. Some companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.

Insureds leave their current company for many reasons like being labeled a high risk driver, an unsatisfactory settlement offer, delays in responding to claim requests and not issuing a premium refund. It doesn’t matter what your reason, finding a new car insurance company is less work than it seems.

More consumer information in Nebraska

More information is available on the website for the Nebraska Department of Insurance located here. Consumers can find disaster information, learn about insurance regulations, and report car insurance fraud.