To locate a good insurance agent in Torrington, Wyoming, it’s recommended you do the preliminary legwork by comparing rates online instead of calling around. There is a good chance you require not only a decent agent, but you also want affordable coverage.
With companies like State Farm, Allstate, Farmers and independent agents having local Torrington offices, consumers have a hard time knowing which provider will have the lowest rates and best service. Fortunately, you can use online quoting to assemble a group of insurance agencies and thier coverage prices.
How to compare Torrington auto insurance rates
Educated insurance agents can answer important questions and help you file claims. The biggest benefit of price shopping on the web is the fact that you can find the best rates but also keep your business local. Supporting local agencies is definitely important in Torrington.
Once you complete this form (opens in new window), the quote information is instantly submitted to agents in your area who will give you bids for your insurance coverage. You never need to even leave your home due to the fact that quote results will go straight to your inbox. How’s that for easy! You’ll get the best rates and work with a local agent.
How to choose the best insurance agency in Torrington
When looking for a local agent, you must know there are a couple types of insurance agents to choose from. Agents are either captive or independent (non-captive).
Independent Agencies or Brokers
Independent insurance agents are not employed by any specific company but rather can write business with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house and you won’t have to switch agencies.
When comparison shopping, it’s recommended you include several independent insurance agents to get the best comparison.
Listed below are Torrington independent insurance agents that are able to give price quote information.
WGN Agency – 110 E 21st Ave – Torrington, WY 82240 – (307) 532-4104
Farm Bureau Insurance – 217 E 21st Ave – Torrington, WY 82240 – (307) 532-3197
Burns Insurance Inc – 4550 Us Highway 26/85 – Torrington, WY 82240 – (307) 532-8981
Captive Insurance Agents
Captive insurance agents are contracted to one company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to place coverage with different providers so it’s a take it or leave it situation. Captive agents receive extensive training on the products they sell which helps them compete with independent agents.
Shown below are captive agents in Torrington that can give you price quote information.
Farm Bureau Insurance – 217 E 21st Ave – Torrington, WY 82240 – (307) 532-3197
Farmers Insurance Group – 100 E 27th Ave – Torrington, WY 82240 – (307) 532-7161
For a complete listing of captive insurance agencies in Torrington, please view this page.
Picking an auto insurance agent requires more thought than just a cheap price. Some important questions to ask are:
- How many years of experience in personal lines insurance coverages do they have?
- If your car is totalled, how to they determine the replacement cost?
- If they are an independent agency, which companies do they recommend?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the agency support the community they serve?
- How much can you save by raising your physical damage deductibles?
After receiving answers to your satisfaction for all questions you ask and an acceptable price quote, you may have just found a car insurance agent that meets your needs to adequately provide auto insurance.
What if I want to buy online?
Insurance agencies are a valuable resource, but you can also buy Wyoming car insurance direct over the internet. Certain auto insurance companies who sell through agents in Torrington also let you get a quote and buy online, so keep that in mind.
If you’re uneasy about not having professional advice, this really isn’t an issue. Online car insurance companies provide customer service to answer any questions you may have. Additionally, most companies also offer the ability to chat online live with a sales rep and online research that can help answer basic questions.
Do online companies have better rates? Many people swear by it, but it’s difficult to answer because there are so many things that can increase policy rates. It would make sense to think that buying direct saves money by not requiring a commission. In reality, there are very high advertising costs and that can cost more than having to pay agents.
If you’re trying to save the most money, the best approach to discovering who has the best deal, local agents or online insurance companies, is comparing rate quotes from both. It’s even possible to receive different pricing from online quotes as they do from local agents for the identical company. You won’t discover which way will be cheaper without getting separate quotes utilizing both methods.
Additional information can be read on the website for the Wyoming Insurance Department through this link. Visitors are able to download brochures, learn about insurance regulations, and find out industry alerts.
The following information may also be useful.
In Summary
Drivers who switch companies do it for many reasons like policy non-renewal, an unsatisfactory settlement offer, extreme rates for teen drivers and even delays in paying claims. It doesn’t matter why you want to switch switching auto insurance companies is less work than it seems.
While you’re price shopping online, never buy poor coverage just to save money. In too many instances, drivers have reduced physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at an affordable rate.
