To find a good Owensboro agent, you can do the preliminary legwork by comparing rates online to save yourself time. Consumers require a good agent, but also need the best possible rates.
You have so many auto insurance agents to choose from, and though it is a good thing to have multiple companies, it can be more difficult to compare rates.
Owensboro agents for auto insurance
Insurance agents are trained to spot inefficiencies and give you peace of mind. The biggest benefit of comparing insurance prices online is you may find better rates and still have an agent to talk to.
After completing this quick form, your coverage information is submitted to local insurance agents who will battle for your insurance coverage. You won’t need to visit any agencies as quotes are delivered to your email. It doesn’t get any easier! Get lower rates without the usual hassles of price shopping.
Choosing an auto insurance agent needs to be determined by more than just the premium amount. Agents should be asked these questions:
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is the agency involved in supporting local community causes?
- Do they receive special compensation for putting your coverage with one company over another?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Who is covered by the car insurance policy?
- Are they able to influence company decisions when a claim is filed?
Choose the right car insurance agent
When researching a good Owensboro insurance agent, you need to know there are two types of agencies to choose from. Insurance agencies in Owensboro are either captive or independent (non-captive).
Captive Agents
This type of agents work for only one company like State Farm or Allstate. They are unable to give you multiple price quotes so they are skilled at selling on more than just price. Captives receive extensive training on the products they sell which helps them compete with independent agents. Consumers frequently buy insurance from these agents partially due to loyalty to the company and the convenience of having all coverages with one company.
Below is a short list of captive insurance agencies in Owensboro that can give you price quote information.
- Allstate Insurance – 3107 Leitchfield Rd – Owensboro, KY 42303 – (270) 683-3199
- State Farm Insurance – 1302 Frederica St – Owensboro, KY 42301 – (270) 684-2081
- Kentucky Farm Bureau Insurance – 3329 Wathens Xing – Owensboro, KY 42301 – (270) 683-1715
- Shelter Insurance – 2600 Veach Rd – Owensboro, KY 42303 – (270) 686-6116
Independent Agents
Independent agencies do not work for one specific company but instead can place your coverage with many different companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent.
When comparing rates, it’s a good idea to include price quotes from multiple independent agents for the best price selection. They also have the ability to place coverage with smaller companies which can save you money.
Shown below is a short list of independent insurance agencies in Owensboro who can help you get rate quotes.
- Direct General Ins Agency – 3601 Frederica St # 7 – Owensboro, KY 42301 – (270) 685-0104
- Sturgeon Insurance Inc – 2001 Frederica St – Owensboro, KY 42301 – (270) 685-4486
- Miles Ag Insurance – 1401 Spring Bank Dr # C2 – Owensboro, KY 42303 – (270) 689-0080
To view a full list of Owensboro insurance agents, visit this site.
Once you have received answers to your satisfaction to all your questions and a good coverage price, you may have just found an insurance agency that is a good match to properly service your auto insurance policy.
What if I want to buy online?
Auto insurance agents are a valuable resource, but you can also buy Kentucky car insurance direct from companies that only sell online. Certain companies who have local Owensboro agents also give you the ability to quote and buy online, so keep that in mind as an alternative to contacting agents.
If you’re uncomfortable with not getting advice from an agent when buying direct, that should not be a issue. Insurance companies provide access to licensed agents to answer any questions you may have.
Are online premiums lower? Many people swear by it, but it’s difficult to answer since there are many things which can raise or lower premium rates. It’s often assumed that a consumer who buys direct cuts out the middleman. For most online online companies, however, marketing their products costs a lot of money so the lack of a commission may be a wash.
More detailed Kentucky auto insurance information can be found at the Kentucky Department of Insurance website. Visitors are able to get help finding coverage, read enforcement actions against agents and companies, and view a list of available companies.
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A little work can save a LOT of money
Cheaper auto insurance can be bought online and also from your neighborhood Owensboro agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.
Drivers switch companies for many reasons like high rates after DUI convictions, poor customer service, unfair underwriting practices or even being labeled a high risk driver. Regardless of your reason, finding a great new company is not as hard as you think.
