Wentzville Car Insurance Agents – Consumer’s Guide to Finding the Best

Comparing car insurance rates in Wentzville can be a lot of work since selecting the best Wentzville car insurance agent for your needs is not as easy as just picking up the phone. Consumers require a decent agent, and also want to find the lowest rates in Wentzville.

Because there are so many choices, it is very difficult to choose the best insurer.

Buying car insurance from a local Wentzville agent

Professional agents are trained to spot inefficiencies and give you someone to call. The biggest benefit of comparing rates online is the fact that you can find lower rates and still have an agent to talk to.

After filling out this form (opens in new window), the coverage information is emailed to agents in your area who will give you bids for your insurance coverage. You never need to even leave your home since price quotes are sent immediately to your email address. How’s that for easy!

Picking an auto insurance agent requires more thought than just a cheap price. Some important questions to ask are:

  • Are they properly licensed to sell insurance in Missouri?
  • Which company do they place the most coverage with?
  • Do they review policy coverages at every renewal?
  • What insurance companies do they work with?
  • Is their price quote a firm figure or are their hidden costs?
  • Do they carry Errors and Omissions coverage?

Different types of car insurance agents in Wentzville

If you’re trying to find a local agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Agents are classified as either independent or captive. Either one can insure your vehicles, but it’s worth learning how they differ since it can impact your selection of an agent.

Agency Captives

These agents are contracted to one company like Allstate, Farmers Insurance or State Farm. They are unable to shop your coverage around so always compare other rates. These agents are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage.

The following is a short list of captive insurance agents in Wentzville who may provide you with price quote information.

Allstate Insurance – 14 Wentzville Market Pl – Wentzville, MO 63385 – (636) 332-8988
Farm Bureau Insurance – 136 E Pearce Blvd – Wentzville, MO 63385 – (636) 332-6594
State Farm Insurance – 517 W Pearce Blvd – Wentzville, MO 63385 – (636) 332-8401
American Family Insurance – 18 W Pearce Blvd – Wentzville, MO 63385 – (636) 327-5737
Farmers Insurance Group – 100 E Pearce Blvd – Wentzville, MO 63385 – (636) 332-9171

Independent Agents

Independent agencies do not work for one specific company so they can insure your vehicles amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency.

When shopping rates, we recommend you include price quotes from several independent insurance agents for the best price selection.

Listed below are independent insurance agents in Wentzville that are able to give rate quotes.

Edward L Hampp Agency – 1005 S Callahan Rd – Wentzville, MO 63385 – (636) 332-1601
Tri County Insurance – 3 E Allen St – Wentzville, MO 63385 – (636) 332-3400
American National Insurance Co – 116 May Rd – Wentzville, MO 63385 – (636) 332-0675

For a complete listing of insurance agents in Wentzville, visit this site.

Once you have received good answers in addition to an acceptable price estimate, you may have just found an insurance agent that can properly insure your vehicles.

The online alternatives

Insurance agents serve a purpose, but Missouri car insurance can also be bought directly from online companies. Some companies, such as State Farm, Allstate and Farmers, who sell through agents in Wentzville additionally provide the ability to buy direct on their websites, and that can save time if you prefer to buy online.

If you’re concerned about not having professional advice when buying car insurance direct, don’t be too concerned. Online companies that require consumers to choose their own coverages have customer service departments that you can contact for information. You may also access live help and an extensive research center to help you answer questions.

Are online premiums lower? It’s hard to say exactly since there are many things that are calculated into your premium. Some people think that shopping online for auto insurance saves money because there is no commission. In reality, advertising and marketing take a lot of money so the rates may be similar to buying from an agent.

When trying to find the best rates, the only way to determine if the cheapest policy comes from an agent or online is to get free quotes from both and compare them. You could possible even receive different price quotes returned by the same company from their online quote form as compared to an agent. But you won’t know which way will be cheaper unless free rate quotes are compared from both ways.

More comparisons equals lower rates

Insureds who switch companies do it for many reasons like not issuing a premium refund, delays in responding to claim requests, policy cancellation and even high prices. Regardless of your reason for switching companies, switching companies is easier than you think.

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice full coverage only to discover later they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Informative consumer insurance sites

More tips and info about car insurance is available at the Missouri Department of Insurance website. Consumers can read enforcement actions against agents and companies, get help finding coverage, learn about specific coverages, and read industry bulletins.