Wheatland Car Insurance Agent Rate Comparisons

When finding a good insurance agent in Wheatland, WY, you can always do the preliminary legwork for an agent online in order to save time. You require a good agent that listens to you, but also cheap rates.

Because there are so many companies to choose from, it can be impossible to locate the cheapest provider.

Buying car insurance from a local Wheatland agent

Insurance agents are trained to spot inefficiencies and give you someone to call. One of the great benefits of comparing rates online is that you can obtain the best rates but also keep your business local.

To make it easy to find an agent, after completing this form (opens in new window), your information is submitted to agents in your area who will return price quotes for your coverage. You don’t have to even leave your home due to the fact that quote results will go immediately to your email address. How’s that for easy! You can find better rates and work with a local agent.

Deciding on an auto insurance agent needs to be determined by more than just the premium amount. Agents should be asked these questions:

  • How many years of experience in personal lines insurance coverages do they have?
  • Does the company allow you to choose your own collision repair facility?
  • Will your rates increase after a single accident?
  • Are claims handled at the agent’s location?
  • Which insurance companies are they affiliated with?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Who is covered by the car insurance policy?

Different types of Wheatland car insurance agents

When researching a good Wheatland insurance agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Agents are categorized either captive or independent.

Captive Insurance Agents

This type of agents work for only one company like American Family, State Farm and Allstate. They are unable to shop your coverage around so it’s a take it or leave it situation. Captive agencies are trained well on the products they sell and that can be a competitive advantage.

The following is a short list of captive agencies in Wheatland that are able to give price quotes.

Farm Bureau Insurance – 1556 Gilchrist St – Wheatland, WY 82201 – (307) 322-3791
State Farm Insurance – 1309 9th St – Wheatland, WY 82201 – (307) 322-3244

Independent Agents

Independent agents are not employed by any specific company so they have the ability to put coverage amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to find a new agent.

When shopping rates, you should always get quotes from at least one independent agent to have the most options to choose from.

Below is a short list of independent insurance agents in Wheatland willing to provide rate quotes.

Platte Valley Insurance Ctr – 968 Gilchrist St # 3 – Wheatland, WY 82201 – (307) 322-4025
Burns Insurance – 2052 W Mariposa Pkwy – Wheatland, WY 82201 – (307) 322-2907

For a full directory of car insurance agents in Wheatland, please click here.

Upon getting positive responses to all your questions and locked in a price quote, you’ve probably found an auto insurance agent that can properly insure your vehicles.

Can you buy online and save?

Insurance agencies are indespensible for some people, but you can also buy Wyoming car insurance directly from online companies. Some specific companies like Allstate and State Farm that are more known for using agents, also allow you to get quotes and purchase online, and consumers should do that.

If you’re worried about having to choose coverages yourself when shopping online, don’t sweat it. All companies provide customer service for customer questions. They also offer live help and 24/7 access to clarify any questions you may have.

Is car insurance cheaper online? Many people swear by it, but it’s difficult to answer because there are a lot of things that determine your policy premium. Common sense would say that purchasing direct online saves money by not requiring a commission. But the fact is, advertising and marketing take a lot of money so the rates may be similar to buying from an agent.

find Wheatland WY insurance agents

One last thing

When buying insurance coverage, don’t be tempted to buy less coverage just to save a little money. There have been many cases where an insured dropped physical damage coverage and found out when filing a claim they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Discount car insurance can be purchased both online and with local Wheatland insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

More tips and info about car insurance is available at the Wyoming Insurance Department website. Wyoming consumers can read consumer alerts, read industry bulletins, file complaints about an insurance agent or broker, and learn about insurance regulations.

These articles may also be worth reading.