If you’re trying to find a licensed insurance agent in Springfield, we recommend you do an initial search by comparing rates online instead of making phone calls. You require a professional licensed agent, but also competitive car insurance rates.
There are many insurance agencies to choose from, and although it’s a good thing to be able to choose, having more insurance agencies makes it harder to adequately compare rates.
Save time by quoting online
Good agents can point out coverage gaps and give you peace of mind. One of the best bonuses of comparing rates online is you may find lower rates and still choose a local agent.
For easy comparison, once you complete this short form, the coverage information is immediately sent to participating agents in Springfield who will battle for your coverage. You don’t have to visit any agencies as quotes are delivered to your email. How cool is that?! You can find the lowest rates AND an agent nearby.
Deciding on a car insurance agent should depend on more than just the bottom line cost. Any agent should have no problem answering these questions:
- How many years of experience in personal lines insurance coverages do they have?
- Are there any discounts that you might be missing?
- Are they full-time agents?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- How much can you save by raising your physical damage deductibles?
- How often do they review policy coverages?
- What is the agency’s Better Business Bureau rating?
Captive or Independent: There is a difference
When looking for a good insurance agency, there are two types of agencies from which to choose. Insurance agencies in Springfield can either be captive or independent (non-captive).
Agency Captives
Captive agents write business for a single company such as Liberty Mutual, State Farm, Allstate and AAA. They usually cannot give you multiple price quotes so keep that in mind. Captive agents are well schooled in insurance sales which helps them sell insurance even at higher premiums.
Shown below is a list of captive insurance agents in Springfield who can help you get comparison quotes.
American Family Insurance – 3050 E Battlefield St – Springfield, MO 65804 – (417) 883-3044
State Farm Insurance – 1835 S Stewart Ave # 110 – Springfield, MO 65804 – (417) 887-2717
Farm Bureau Insurance – 3433 S Campbell Ave # Y – Springfield, MO 65807 – (417) 886-3222
Farmers Insurance Group – 3041 S Kimbrough Ave – Springfield, MO 65807 – (417) 881-2766
Liberty Mutual Insurance – 3556 S Culpepper Cir # 1 – Springfield, MO 65804 – (417) 882-4222
Shelter Insurance – 2135 E Sunshine St # 105b – Springfield, MO 65804 – (417) 883-5692
Allstate Insurance – 5407 S Campbell Ave # E – Springfield, MO 65810 – (417) 886-4979
Independent Agencies or Brokers
Independent agents are not locked into one company but instead can place your coverage with any number of different companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house and that require little work on your part.
When comparing rates, it’s a good idea to get quotes from several independent insurance agents to have the most options to choose from.
Below are Springfield independent insurance agencies who can help you get price quotes.
Insurance Providers-Missouri – 5335 S Campbell Ave # A – Springfield, MO 65810 – (417) 886-8889
Debbie Wixson Agency Inc – 1341 E Kearney St # 300 – Springfield, MO 65803 – (417) 831-1224
David Potter Agency Inc – 1501 E Sunshine St – Springfield, MO 65804 – (417) 883-3307
Goodman-Shank Insurance – 3534 E Sunshine St # G – Springfield, MO 65809 – (417) 883-2062
Rice Agency – 2305 E Latoka St – Springfield, MO 65804 – (417) 866-3038
For a complete listing of licensed insurance agents in Springfield, visit this site.
After receiving positive responses to these questions and a low price estimate, chances are good that you have found an insurance agent that can insure your vehicles.
Online companies can help you save
Car insurance agents are important to many people, but you also have the option of buying Missouri car insurance direct from companies online. Some specific companies who have local Springfield agents also allow consumers to buy direct online, so keep that in mind and can also potentially find you lower rates.
If you’re worried about not receiving proper advice when buying car insurance direct, this really isn’t an issue. Online insurance companies all provide contact methods you can use to get advice on coverages.
Is auto insurance cheaper online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there are many things that determine your policy premium. It’s a common assumption that buying car insurance online saves money by not requiring a commission. But in reality, online and traditional media advertising are expensive so this can offset any savings.
The best approach to find out if local insurance agents or online providers are cheaper is to take the time to compare rates from both. You could possible even receive different price quotes when comparing quotes online and from an agent from the same company. But it’s impossible to know which way will be cheaper until after you compare the same coverages both ways.
Final thoughts
Consumers leave their current company for many reasons like policy non-renewal, unfair underwriting practices, denial of a claim or even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new car insurance company can be easy and end up saving you some money.
As you restructure your insurance plan, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where drivers have reduced physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.
Even more information is located at the Missouri Department of Insurance website. Visitors are able to learn about insurance regulations, find out industry alerts, and find out which companies have the most complaints.
