Useful Tips for Searching Online for a Paducah Auto Insurance Agent

If you’re looking for a licensed insurance agent in Paducah, it’s recommended you begin your search online rather than looking in the yellowpages. You need a competent insurance agent, but also cheaper auto insurance prices.

With consumers having so many companies and agents to choose from, it is very difficult to locate the lowest price company.

How to buy auto insurance from an agent in Paducah

Agents can point out coverage gaps and give you someone to call. The best thing about getting online price quotes is you can get the best rates and still have an agent to talk to.

Once you complete this form (opens in new window), your insurance coverage information gets sent to local insurance agents in Paducah who will compete for your coverage. You don’t have to leave your house because quoted prices will be sent directly to your email. How’s that for easy! You’ll get the best rates and work with a local agent.

Picking a car insurance agent needs to be determined by more than just a cheap price. These are valid questions to ask:

  • Does the agency have a good rating with the Better Business Bureau?
  • Who are their largest clients?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Do they review policy coverages at every renewal?
  • Can glass repairs be made at your home?
  • Do they feel the quoted coverages are adequate?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?

Do you need an independent or captive car insurance agent?

If you’re trying to find an insurance agent, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Paducah agents are either captive or independent.

Captive Insurance Agents

Captive agents can only write with one company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot provide prices from multiple companies so keep that in mind. Captive agencies receive extensive training on the products they sell which helps them compete with independent agents. Some consumers prefer to buy from captive agents primarily because of the prominence of the brand and strong financial ratings.

Shown below is a list of captive insurance agencies in Paducah willing to provide rate quotes.

  • Shelter Insurance – 120 Augusta Ave # 1 – Paducah, KY 42003 – (270) 554-3731
  • State Farm Insurance – 1207 Lone Oak Rd – Paducah, KY 42003 – (270) 443-7338
  • Kentucky Farm Bureau – 1600 Broadway St – Paducah, KY 42001 – (270) 442-7179
  • Allstate Insurance – 4333 Cairo Rd – Paducah, KY 42001 – (270) 442-3707
Independent Agencies or Brokers

Independent agents are not locked into one company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency.

When searching for an agent, you should always contact several independent insurance agents for the best price selection. They also have the ability to place coverage with different regional companies which may provide better rates.

Below are independent insurance agents in Paducah willing to provide comparison quotes.

  • Direct General Ins Agency – 3330 Irvin Cobb Dr – Paducah, KY 42003 – (270) 443-0045
  • Hibbs Insurance – 3124 Lone Oak Rd – Paducah, KY 42003 – (270) 554-2105
  • Steve Vasseur Agency – 2500 Jackson St – Paducah, KY 42003 – (270) 415-9089
  • Tri-State Insurance – 3420 Lone Oak Rd – Paducah, KY 42003 – (270) 554-4743

To view a full list of insurance agents in Paducah, visit this link.

Upon getting satisfactory answers to these questions and locked in a price quote, most likely you have located an insurance agency that can properly service your auto insurance policy.

Can I save by cutting out the agent?

Insurance agencies are perfect for certain consumers, but you also have the option of buying directly from online companies. Certain companies who sell through the agent channel additionally provide the ability to get a quote and buy online, and that is helpful if you prefer not to work with an agent.

If you’re concerned about not having an agent to talk to when buying online, don’t sweat it. Auto insurance companies provide toll-free numbers for getting advice on proper coverages.

Will you save money buying auto insurance online? The answer is complex because of the number of factors that influence how your policy is priced. Some people think that shopping online for auto insurance reduces premiums because there is no agent. For the majority of companies, however, promoting brand recognition is pricey and this drives up their premium costs.

Compare but don’t skimp

When you buy insurance online, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced uninsured motorist or liability limits and learned later that the savings was not a smart move. Your strategy should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Kentucky agents

Budget-conscious auto insurance is possible online as well as from independent agents in Paducah, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers don’t offer online quoting and most of the time these smaller companies sell through independent agents.

Kentucky auto insurance information

Even more information can be found at the Kentucky Department of Insurance website. Kentucky drivers can read enforcement actions against agents and companies, learn about insurance regulations, read state legal mandates and laws, and read consumer alerts.