When shopping for auto insurance, you have many choices and finding the best Utah car insurance agent is harder than just randomly choosing from the yellow pages. You need a highly trained agent, and also affordable rates.
Because you have many options when it comes to auto insurance, it can be diffult for consumers to pick the most cost effective insurer.
Logan agents for auto insurance
Professional agents can help determine the best coverages and help you file claims. One of the best bonuses of price shopping on the web is you may find lower rates but also keep your business local.
After filling out this form (opens in new window), the coverage information is instantly submitted to local insurance agents who will give you bids for your business. There is no reason to visit any agencies as quotes are delivered to your email. It doesn’t get any easier!
Choosing an insurance agent should depend on more than just the premium amount. Agents should be asked these questions:
- Is vehicle mileage a factor when determining depreciation for repairs?
- What will you get paid if your car is a total loss? How is that amount determined?
- Are claims handled at the agent’s location?
- Who is covered by the car insurance policy?
- Can they provide you with a list of referrals?
Captive agents vs. Independent agents
If you’re trying to find a good Logan insurance agent, there are a couple of types of agencies from which to choose. Logan agents are categorized either captive or independent. Both types can properly insure your vehicles, but it’s worth mentioning the differences because it can influence your agent selection.
Captive Insurance Agents
Captive agencies have only one company to place business with such as Allstate, AAA, Liberty Mutual and State Farm. These agents are not able to shop your coverage around so keep that in mind. Captives are well schooled in insurance sales and that can be a competitive advantage. Consumers sometimes purchase coverage from captives mainly due to loyalty to the company and solid financial strength.
Below is a short list of captive agencies in Logan willing to provide price quotes.
- Allstate Insurance – 989 S Main St – Logan, UT 84321 – (435) 755-0554
- Farmers Insurance Group – 477 S Main St – Logan, UT 84321 – (435) 753-5300
- State Farm Insurance – 1260 N 200 E # 1 – Logan, UT 84341 – (435) 753-5060
- American Family Insurance – 1451 N 200 E # 130 – Logan, UT 84341 – (435) 750-0107
- Farm Bureau Insurance – 165 E 1400 N # F – Logan, UT 84341 – (435) 752-4444
Independent Agencies or Brokers
Independent agents are not required to write business for one company but rather can write business with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally without you having to go to a different agency. When shopping rates, we recommend you include price quotes from multiple independent agents to get the best comparison.Many can place coverage with smaller regional carriers which may provide better rates.
Below are independent insurance agents in Logan that can give you comparison quotes.
- Otto E Derr Insurance – 632 N Main St # 2d – Logan, UT 84321 – (435) 753-1450
- Terry A Mc Partland Agency – 965 S 100 W # 103 – Logan, UT 84321 – (435) 752-2286
- Blaine Buttars Agency – 2072 N Main St # 101 – Logan, UT 84341 – (435) 563-6264
- Deloy Elder Insurance – 3006 N Main St – Logan, UT 84341 – (435) 752-3211
For a complete listing of insurance agents in Logan, visit this site.
Once you have positive responses to any questions you have as well as a affordable price, it’s possible that you found an auto insurance agent that will provide auto insurance coverage.
Is buying direct online an option?
Licensed agents are important, but Utah consumers also have the option to buy direct from companies that only sell online. Certain auto insurance companies that sell primarily through agents also give you the ability to get a quote and buy online, and that is helpful as an alternative to contacting agents.
If you’re apprehensive about not having someone to ask questions when shopping online, that is quite common when buying online the first time. Online car insurance companies that allow you to purchase coverage provide access to licensed agents to answer your questions. In addition, they usually offer anytime access to help and a customer research section that you can use if you have questions.
Is it cheaper to buy online? The answer to that question is complicated since there are so many factors that influence the price you pay. Some people will tell you that a consumer who buys direct lowers rates due to not having any agent compensation. For most companies selling online, however, the cost of constant advertising is expensive and that impacts the rates consumers pay.
More quotes mean more savings
Insureds switch companies for a variety of reasons including not issuing a premium refund, being labeled a high risk driver, extreme rates for teen drivers and even high rates after DUI convictions. No matter why you want to switch, choosing a new company is less work than it seems.
Cheap auto insurance is available on the web as well as from independent agents in Logan, so compare prices from both in order to have the best chance of saving money. Some auto insurance companies don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
For more information
More tips and info about auto insurance is located at the Utah Insurance Department website. Utah drivers can read enforcement actions against agents and companies, view a list of available companies, find disaster information, and file complaints about an insurance agent or broker.
The following information may also be useful.