Finding good auto insurance in Springdale can be challenging since you have many choices and choosing the right Springdale insurance agency is not as easy as just randomly choosing from the yellow pages. Consumers require a friendly agent, but also need competitive auto insurance rates.
You have multiple insurance agencies to pick from, and though it is a good thing to have a selection, so many choices can make it hard to locate the cheapest rates.
Springdale agents for auto insurance
Professional agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of comparing insurance prices online is you can get lower rates but also keep your business local.
Upon completion of this form (opens in new window), your insurance data is emailed to agents in your area who will battle for your coverage. You never need to visit any agencies as quotes are delivered straight to your inbox. How’s that for easy!
Deciding on an insurance agency requires more thought than just a cheap price. Any agent should have no problem answering these questions:
- Do they have any clout with companies to ensure a fair claim settlement?
- What insurance companies do they work with?
- How often do they review policy coverages?
- How much can you save by raising your physical damage deductibles?
- If they are an independent agency, which companies do they recommend?
Insurance agent types
If you’re trying to find an insurance agent, there are two different types of agents that you can select. Agencies in Springdale can either be captive or independent. Both types can write coverage properly, but it’s worth mentioning the differences because it can influence the type of agent you choose
Captive Insurance Agents
Captive agents work for only one company and examples are Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to place coverage with different providers so keep that in mind. They are very knowledgeable on their products and sales techniques which can be an advantage. Consumers frequently purchase coverage from captives mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.
Shown below are captive agencies in Springdale that can give you price quote information.
- Farm Bureau Insurance – 3020 W Huntsville Ave – Springdale, AR 72762 – (479) 750-2062
- State Farm Insurance – 2871 American St – Springdale, AR 72764 – (479) 750-1500
- Farmers Insurance Group – 906 Holcomb St – Springdale, AR 72764 – (479) 756-9994
- Allstate Insurance – 1602 E Robinson Ave – Springdale, AR 72764 – (479) 751-2215
- Shelter Insurance – 1712 W Sunset Ave # A – Springdale, AR 72762 – (479) 751-8000
Independent Agents (or Brokers)
Independent agencies do not work for one specific company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency. When searching for an agent, you should always include price quotes from at a minimum one independent agency to ensure the widest selection of prices.Many can place coverage with different regional companies which can save you money.
Below is a list of independent insurance agencies in Springdale that are able to give comparison quotes.
- Prudential Insurance Co – 203 Holcomb St – Springdale, AR 72764 – (479) 751-4734
- Direct General Ins Agency – 5204 S Thompson St # B – Springdale, AR 72764 – (479) 750-4455
- Doug Matayo Insurance – 620 E Henri DE Tonti Blvd – Springdale, AR 72762 – (479) 238-1153
- Amy Johnson Agency – 201 W Emma Ave # B – Springdale, AR 72764 – (479) 756-8222
- Rick Mc Cain Agency – 1402 Arapaho Ave – Springdale, AR 72764 – (479) 751-7023
To view a full list of insurance agents in Springdale, view this link.
Once you have received good answers for all questions you ask and locked in a price quote, it’s possible that you found an auto insurance agent that is a good match to provide auto insurance coverage.
Do online insurance companies have lower rates?
Insurance agents are a valuable resource, but you also have the option of buying direct over the internet. Certain companies that are more known for using agents, also allow you to buy a policy 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 direct, that is normal but is not a big issue. Car insurance companies that allow you to purchase coverage provide phone numbers and online resources to answer your questions.
If the best price is important to you, the most effective way to determine who has the best deal, local agents or online insurance companies, is comparing prices for both of them. Lots of times people will get different prices for the identical company if you compare an online quote to agent rates.
Will buying online save you money? That question is hard to answer because of the fact that insurance companies use many factors that determine the price you pay. It’s often assumed that a consumer who buys direct cuts out the agent as a middleman. But truthfully, there are very high advertising costs so the lack of a commission may be a wash.
One last thing about your coverage
When trying to cut insurance costs, don’t be tempted to buy less coverage just to save a little money. In many instances, an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.
People who switch companies do it for a number of reasons such as not issuing a premium refund, unfair underwriting practices, poor customer service and being labeled a high risk driver. It doesn’t matter what your reason, switching auto insurance companies is not as hard as you think.
Learn more about Arkansas auto insurance
Even more information can be found at the Arkansas Insurance Department website. Arkansas consumers can learn about insurance regulations, file complaints about an insurance agent or broker, find out industry alerts, and file complaints about a company.
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