If you’re looking for a licensed insurance agent in Dyersburg, it’s recommended you do the preliminary legwork by getting online comparison quotes rather than looking in the yellowpages. The chances are good you’re looking for a professional licensed agent, but you also want to find the best rates possible.
With insurance companies like Allstate, Farmers, State Farm and many independent agents all competing for business in Dyersburg, it’s difficult to determine which insurance agency will have the cheapest rates and the best coverage. Fortunately, you can use online quoting to build a list of insurance agents from which to choose.
Your local neighborhood insurance agent
Educated insurance agents can point out coverage gaps and give you someone to call. One of the great benefits of comparing insurance prices online is you may find the best rates but also keep your business local. Supporting local agencies is definitely important in Dyersburg.
To find an agent, once you fill out this simple form, your coverage information is emailed to local insurance agents who will compete for your coverage. You don’t have to leave your computer because quoted prices will be sent directly to your email. It doesn’t get any easier! It’s the lowest rates without the usual hassles of price shopping.
Not all auto insurance agents are the same
When searching for a reputable insurance agent or broker, there are a couple of different agency structures to choose from. Dyersburg agents are categorized either captive or independent.
Independent Agents (or Brokers)
Independent insurance 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, they simply move the coverage in-house and you don’t have to find a new agent. When shopping rates, it’s a good idea to get quotes from at least one independent agent to get the best comparison.Most can insure with lesser-known insurance companies which may provide better rates.
The following are independent agencies in Dyersburg who can help you get comparison quotes.
- Direct General Ins Agency – 1295 Us Highway 51 Byp W # C – Dyersburg, TN 38024 – (731) 285-7000
- Campbell Insurance – – Dyersburg, TN 38024 – (731) 285-8432
- Acceptance Insurance Agency – 1681 US Highway 51 Byp N – Dyersburg, TN 38024 – (731) 286-2666
- Associates Insurance Co – 222 E Court St – Dyersburg, TN 38024 – (731) 287-7016
Captive Agents
Captive agencies can only write with one company like Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to give you multiple price quotes so always compare other rates. Captive agents are usually quite knowledgeable in insurance sales and that can be a competitive advantage. Some people will only purchase coverage from captives mainly due to the prominence of the brand and strong financial ratings.
The following is a list of captive insurance agents in Dyersburg willing to provide rate quotes.
- Shelter Insurance – 1160 Us Highway 51 Byp W – Dyersburg, TN 38024 – (731) 286-5408
- Farmers Insurance Group – 106 S Main Ave – Dyersburg, TN 38024 – (731) 285-4000
- Farm Bureau Insurance – 125 Everett Ave – Dyersburg, TN 38024 – (731) 285-1275
- Allstate Insurance Co – 1935 Saint John Ave – Dyersburg, TN 38024 – (731) 287-1282
- State Farm Insurance – 220 N Main Ave # 101 – Dyersburg, TN 38024 – (731) 285-3519
For a full directory of captive agencies in Dyersburg, view this link.
Picking an insurance agency shouldn’t rely on just a cheap price. Ask your prospective agent these questions:
- How long have they worked with personal auto insurance coverage?
- Will your rates increase after a single accident?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they assist clients in filing claims?
After receiving positive feedback for all questions you ask and an acceptable price quote, it’s possible that you found an insurance agent that will adequately provide car insurance.
Can I save by buying online?
Local insurance agents can be invaluable at times, but Tennessee car insurance can also be bought directly from online companies. Some specific companies that sell primarily through agents also let you get quotes and purchase online, so this should also be taken into consideration if you are the do-it-yourself type.
If you’re apprehensive about having to choose coverages yourself when shopping online, this really isn’t an issue. Insurance companies that allow you to purchase coverage have toll-free phone numbers and other options to answer any questions you may have. Consumers also can use 24/7 live help and a car insurance FAQ section so you can feel comfortable buying online.
The best approach to find out if the cheapest policy comes from an agent or online is making fair comparisons of each of their rates. It’s possible to get different rates when quoting both agents prices and online prices for the same auto insurance company. You won’t discover whether the best rates are online or from an agent until you actually compare rates utilizing both methods.
Are car insurance rates lower online? That question is hard to answer since there may be dozens of rate factors that are calculated into your premium. Common logic is that a shopper who purchases direct lowers rates due to not having any agent compensation. For most companies selling online, however, there are very high advertising costs so rates may not be all that different from traditional agents.
Much more information about car insurance in Tennessee can be found on the Tennessee Department of Commerce and Insurance website located here. Tennessee drivers can discover disciplinary actions, find out which companies have the most complaints, find a variety of consumer forms, and learn about insurance regulations.
A tidy conclusion
Drivers change insurance companies for any number of reasons including being labeled a high risk driver, not issuing a premium refund, extreme rates for teen drivers or high prices. No matter why you want to switch, finding a great new company is pretty simple and you could end up saving a buck or two.
As you restructure your insurance plan, do not reduce coverage to reduce premium. In many instances, an insured cut full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at the best price.
