To locate a licensed insurance agent in Arnold, you can always start your search by comparing rates online instead of calling around. Most likely you want a good agent that listens to you, but you also want to find great rates as well.
With insurance companies like State Farm, Allstate and Farmers Insurance all competing for business in Arnold, it can be hard to know which will have the cheapest rates and the best coverage. Fortunately, you can use online quoting in order to build a list of insurance agents to choose from.
Your local neighborhood insurance agent
Educated insurance agents can answer important questions and help you file claims. One of the best bonuses of comparing rates online is the fact that you can find lower rates but also keep your business local. And supporting local agencies is important especially in Arnold.
After filling out this quick form, your insurance data gets sent to companies in Arnold who will compete to get your business. You won’t need to even leave your home due to the fact that quote results will go to the email address you provide. How’s that for easy!
The different types of insurance agents
When searching for a good insurance agency, you must know there are a couple types of insurance agents from which to choose. Agents are classified as either independent or captive. Both types can write coverage properly, but it’s important to know the difference between them because it can impact buying decisions.
Independent Agents
Independent agencies are not locked into one company but rather can write business with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies. When comparing rates, you should always include price quotes from at least one independent agent to get the best comparison. They often place coverage with different regional companies which can be an advantage.
Below are independent insurance agencies in Arnold who may be able to give you pricing information.
- Direct General Ins Agency – 16 Fox Valley Ctr – Arnold, MO 63010 – (636) 287-8887
- Yellow Key Insurance – 1164 Jeffco Blvd – Arnold, MO 63010 – (636) 296-9630
- Paul Flowers Insurance – 4051 Jeffco Blvd # 2 – Arnold, MO 63010 – (636) 461-0770
- Moellenbech Jordan Agency Inc – 681 Jeffco Blvd – Arnold, MO 63010 – (636) 296-0101
Captive Insurance Agents
These agents have only one company to place business with like Allstate, State Farm and Farmers Insurance. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. These agents receive extensive training on their company’s products which helps them compete with independent agents. Consumers frequently purchase coverage from captives mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.
Below is a short list of captive insurance agents in Arnold that can give you price quotes.
- Jefferson Co Farm Bureau Ins – 1370 Jeffco Blvd – Arnold, MO 63010 – (636) 797-2285
- American Family Insurance – 521 Jeffco Blvd – Arnold, MO 63010 – (636) 296-4978
- Allstate Insurance – 12 Village Plz – Arnold, MO 63010 – (636) 464-2400
- Shelter Insurance – 1623 Jeffco Blvd # 207 – Arnold, MO 63010 – (636) 296-2656
- Farmers Insurance Group – 1623 Jeffco Blvd # 203 – Arnold, MO 63010 – (636) 296-3320
- State Farm Insurance – 1331 Jeffco Blvd # 1 – Arnold, MO 63010 – (636) 296-3333
For a full directory of Arnold captive agencies, visit this link.
Picking an insurance agent should depend on more than just the premium amount. These questions are important to ask:
- Are they able to influence company decisions when a claim is filed?
- Are claim adjusters local or do you have to take your car somewhere else?
- How long have they worked with personal auto insurance coverage?
- Does the company allow you to choose your own collision repair facility?
- Which company do they place the most coverage with?
- What insurance companies do they recommend if they are an independent agent?
- Which members of your family are coverage by the policy?
Upon getting good answers to these questions as well as a affordable price, it’s possible that you found an insurance agent that meets your needs to insure your vehicles.
Alternatives to local agents
Professional insurance agents are important, but you also have the option of buying Missouri car insurance direct online. Some car insurance companies who have local Arnold agents additionally provide the ability to get a quote and buy online. This is something to consider if the lowest rate is your goal.
If you’re concerned about not having an agent to talk to, don’t be too concerned. Insurance companies that allow you to purchase coverage give you access to trained agents for answering any questions you have.
When shopping for low rates, the only way to find out if local insurance agents or online providers are cheaper is getting rates for as many of both types of providers as possible. It’s not unheard of to actually get different prices for the exact same company when they get quotes from both.
Do online companies have better rates? It’s hard to say exactly because there are many components that are calculated into your premium. Some people think that a consumer who buys direct saves money because there is no agent involvement. But in reality, getting their brand in front of customers is expensive and that can quickly cost more than paying an agent.
Consumer car insurance information in Missouri
Additional car insurance information is available on the Missouri Department of Insurance website. Click here for link. Visitors are able to view a list of available companies, file complaints about a company, and read consumer alerts.
More comparisons equals lower rates
Drivers switch companies for a number of reasons such as high rates after DUI convictions, policy non-renewal, lack of trust in their agent or delays in responding to claim requests. Whatever your reason, finding a new car insurance company can be pretty painless.
As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where an insured cut collision coverage only to discover later that it was a big error on their part. Your strategy should be to buy enough coverage at a price you can afford while not skimping on critical coverages.
