Finding good auto insurance in Nebraska City can be challenging since you have many choices and selecting the best Nebraska City insurance agent for your needs is harder than just picking up the phone. We’re guessing you’re not only searching for a good agent that listens to you, but you also want to find affordable coverage.
With insurance companies like American Family, Allstate, State Farm and independent agents all competing for your business, it’s hard to tell which provider will give you the best service and rates. Fortunately, consumers can get online quotes to build a list of agents and thier coverage prices.
How to buy auto insurance from an agent in Nebraska City
Agents can help determine the best coverages and give you someone to call. One of the great benefits of comparing rates online is that you can obtain the lowest rates and still choose a local agent. And providing support for small agencies is definitely important in Nebraska City.
To help locate an agent, after submitting this short form, your coverage information is transmitted to local insurance agents in Nebraska City who will return price quotes for your business. There is no reason to leave your house because quoted prices will be sent directly to your email. How cool is that?!
Best car insurance agent in Nebraska City
When searching for a reputable insurance agent or broker, there are a couple of different agency structures to choose from. Agencies in Nebraska City are either captive or independent (non-captive). Both insure your vehicles, but it’s good to learn the differences because it can influence the selection process.
Independent Agents (or Brokers)
Independent agents are not locked into one company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to find a new agent.
When comparing rates, it’s recommended you include price quotes from at a minimum one independent agency for the best price selection. They also have the ability to place coverage with smaller companies which can be an advantage.
Listed below is a short list of independent agents in Nebraska City that can give you price quote information.
- Miller Monroe Insurance Co – 115 N 10th St – Nebraska City, NE 68410 – (402) 873-3331
- Heft Insurance – 1807 4th Ave # 6 – Nebraska City, NE 68410 – (402) 873-7977
- Carl Satterfield Agency – 1106 Central Ave – Nebraska City, NE 68410 – (402) 873-6911
Captive Insurance Agents
Captive agents can only write with one company like Liberty Mutual, Allstate, Farmers Insurance or State Farm. They usually cannot compare other company’s rates so they have to upsell other benefits. These agents are well schooled in insurance sales and that can be a competitive advantage. Some consumers prefer to buy insurance from these agents mainly due to the prominence of the brand and strong financial ratings.
Below are captive insurance agents in Nebraska City that can give you price quote information.
- Farm Bureau Insurance – 104 S 12th St – Nebraska City, NE 68410 – (402) 873-9032
- Shelter Insurance – 123 S 8th St # 1 – Nebraska City, NE 68410 – (402) 873-9149
To view a full list of auto insurance agents in Nebraska City, simply jump to this page.
Selecting an auto insurance agent requires more thought than just a low price. Ask your prospective agent these questions:
- How are claims handled?
- How long has their agency been open in Nebraska City?
- Do the companies they represent have a solid financial rating?
- How long have they worked with personal auto insurance coverage?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
Once you have satisfactory answers to these questions and a good coverage price, it’s possible that you found an insurance agent that will insure your vehicles.
Do online insurance companies save me money?
Licensed agents are important to many people, but you also have the option of buying Nebraska car insurance directly from online companies. Some car insurance companies, such as Farmers Insurance and State Farm, who employ agents also let you buy direct on their websites, so this should also be taken into consideration if you’re trying to lower your rates.
If you’re worried about not getting proper coverage, don’t be too concerned. Car insurance companies provide customer service to help you decide which coverages are appropriate.
Do online companies have better rates? It’s hard to say exactly since there are so many factors that are calculated into your premium. It’s a logical assumption that shopping online for auto insurance saves money by not requiring a commission. But that assumption is generally incorrect because marketing expenses are significant and that impacts the rates consumers pay.
Quote more, save more
Insureds who switch companies do it for a variety of reasons including high prices, delays in paying claims, questionable increases in premium or not issuing a premium refund. It doesn’t matter why you want to switch choosing a new company is pretty easy and you might even save some money in the process.
The cheapest auto insurance is possible online and also from your neighborhood Nebraska City agents, so you should compare both to get a complete price analysis. A few companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.
Some additional reading
Additional information can be read on the Nebraska Department of Insurance website. Click here for link. Nebraska drivers can file complaints about an insurance agent or broker, view agent and company licensing information, and view a list of available companies.