When trying to find a licensed insurance agent in Junction City, you can always do an initial search using online quotes in order to save time. The chances are good you require not only a competent insurance agent, but you also need great rates as well.
With companies like independent agents, Allstate and State Farm having offices in Junction City, it’s difficult to determine which one will have the lowest rates and best service. Fortunately, consumers can use online quoting in order to build a list of agencies and price estimates.
Buying car insurance locally
Licensed agents can answer important questions and help file insurance claims. One of the best bonuses of getting online price quotes is you may find the best rates but still work with a licensed agent. And providing support for local agencies is important especially in Junction City.
By using this short form, the quote information is emailed to insurance agents in Junction City who will battle for your insurance coverage. You don’t have to drive around because quoted prices will be sent to the email address you provide. How cool is that?!
Choose an insurance agent wisely
When searching for a local agent, there are a couple of different agency structures from which to choose. Agencies in Junction City are categorized either captive or independent. While both can insure your vehicles, but it’s important to know the difference between them because it can impact buying decisions.
Independent Agencies or Brokers
These agents are not locked into one company but rather can write business amongst many companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies.
When searching for an agent, you should always get quotes from several independent insurance agents to ensure the widest selection of prices.Most can insure with smaller regional carriers which may provide better rates.
The following are Junction City independent insurance agencies who can help you get rate quotes.
- Minick Insurance – 1001 W 6th St – Junction City, KS 66441 – (785) 238-3418
- Dillon Insurance – 407 W 6th St – Junction City, KS 66441 – (785) 761-0077
Captive Insurance Agents
This type of agents work for only one company and some examples include AAA, State Farm, Farmers Insurance and Allstate. They are unable to place coverage with different providers so they have to upsell other benefits. Captives are trained well on their company’s products which can be an advantage. Some people will only purchase coverage from captives mostly because of the prominence of the brand and strong financial ratings.
Shown below is a short list of captive insurance agencies in Junction City willing to provide rate quotes.
- Allstate Insurance – 120 Grant Ave – Junction City, KS 66441 – (785) 761-2600
- Farm Bureau Insurance – 807 Barnhill Cir – Junction City, KS 66441 – (785) 762-4213
- American Family Insurance – 238 W 8th St – Junction City, KS 66441 – (785) 238-1987
- Shelter Insurance – 1033 S Washington St # 2 – Junction City, KS 66441 – (785) 238-2175
- State Farm Insurance – 304 E Chestnut St – Junction City, KS 66441 – (785) 238-6114
To view a complete directory of captive insurance agencies in Junction City, view this link.
Deciding on a car insurance agent requires more thought than just a cheap price. These questions are important to ask:
- Are they full-time agents?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Are claim adjusters local or do you have to take your car somewhere else?
- How much will you save each year by using a higher deductible?
- How long has their agency been open in Junction City?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Is the agent and/or agency licensed to do business in Kansas?
- What insurance company do they write the most business with?
Upon getting satisfactory answers to your questions and an affordable coverage quote, you may have just found an insurance agency that will provide car insurance coverage.
Online companies should be in the mix
Insurance agencies are indespensible for some people, but Kansas car insurance can also be bought from online companies direct. Some car insurance companies who have local agents in Junction City additionally provide the ability to buy direct on their websites, and that can save time if you prefer to buy online.
If you’re uneasy about not getting proper coverage when buying direct, this is expected but don’t let that bother you. All companies all provide contact methods to answer any questions you may have.
If you’re not set on any one company, the best way to find out who has the best deal, local agents or online insurance companies, is to set aside time to compare rates from both. You could possible even receive different price quotes for the same auto insurance company from their agents and their website.
Will you save money buying auto insurance online? Many people swear by it, but it’s difficult to answer since there are so many factors that determine the price you pay. It’s logical to say that a customer who purchases direcly from an online company saves the cost of an agent commission. But truthfully, the cost of constant advertising is expensive and this drives up their premium costs.
Final considerations
When trying to cut insurance costs, make sure you don’t buy poor coverage just to save money. There have been many situations where consumers will sacrifice liability coverage limits only to regret that they should have had better coverage. Your strategy should be to get the best coverage possible for the lowest price.
Consumers who switch companies do it for any number of reasons including an unsatisfactory settlement offer, questionable increases in premium, high rates after DUI convictions or even unfair underwriting practices. Regardless of your reason for switching companies, finding a new car insurance company is pretty easy and you might even save some money in the process.
More Kansas car insurance information
Additional information is located on the Kansas Insurance Department website located here. Kansas drivers can view agent and company licensing information, file complaints about an insurance agent or broker, report car insurance fraud, and find out which companies have the most complaints.
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