When buying car insurance in Murray, selecting the best Murray insurance agent for your needs is not as easy as just using the same insurance agent as your neighbor. It’s likely you’re not only searching for a professional licensed agent, but you also need the lowest possible price.
With companies like State Farm, Allstate, Farmers and independent agents all competing for business in Murray, consumers have a hard time knowing which provider will provide the lowest rates and best service. Fortunately, consumers can use online price quotes in order to build a list of insurance agents and thier coverage prices.
Online quotes help locate Murray agents
Agents can help determine the best coverages and help you file claims. One of the great benefits of comparing insurance prices online is you may find the best rates and still have an agent to talk to. And supporting local insurance agencies is important especially in Murray.
To help locate an agent, after submitting this form (opens in new window), your information is emailed to local insurance agents in Murray who will battle for your business. There is no reason to drive around because quoted prices will be sent directly to your email. It doesn’t get any easier! You can find the lowest rates and a licensed agent to work with.
Choose the right car insurance agent
If you’re trying to find an insurance agent, there are a couple of different types of agents to choose from. Insurance agencies in Murray are categorized either captive or independent (non-captive).
Independent Insurance Agents
These agents are not employed by any specific company but instead can place your coverage with lots of companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house and you won’t have to switch agencies.
When shopping rates, it’s recommended you include multiple independent agents to ensure the widest selection of prices.
Below is a short list of independent insurance agents in Murray that are able to give comparison quotes.
Eriksen Agency – 4901 S State St # E – Murray, UT 84107 – (801) 264-9222
Rob Jackson Insurance – 198 E 4500 S – Murray, UT 84107 – (801) 263-1800
Alder Insurance Agency – 1035 Bellwood Ln – Murray, UT 84123 – (801) 968-1172
Bellewood Insurance Assoc Inc – 1002 Bellwood Ln – Murray, UT 84123 – (801) 288-0577
Captive Agents
These agents work for only one company and some examples include Liberty Mutual, State Farm, Allstate and AAA. These agents are not able to shop your coverage around so always compare other rates. These agents are trained well in insurance sales and that can be a competitive advantage.
Shown below are captive agents in Murray that can give you rate quotes.
Farmers Insurance Group – 214 E 4500 S – Murray, UT 84107 – (801) 268-4843
Liberty Mutual Insurance – 756 E Winchester St – Murray, UT 84107 – (801) 685-0515
Allstate Insurance – 404 E 4500 S # B34 – Murray, UT 84107 – (801) 685-8450
State Farm Insurance – 195 W Winchester St – Murray, UT 84107 – (801) 266-4215
For a full directory of captive insurance agencies in Murray, click here to link.
Picking an auto insurance agent should depend on more than just a cheap price. Here are some questions to ask:
- Is assistance available after office hours?
- Do they carry Errors and Omissions coverage?
- What insurance companies do they recommend if they are an independent agent?
- Do the coverages you’re quoting properly cover your vehicle?
- How are claims handled?
- Which insurance companies are they affiliated with?
- What are the financial ratings for the companies they represent?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Upon receiving satisfactory answers to any questions you have as well as a affordable price, you may have just found a car insurance agent that will provide car insurance coverage.
Can I save by buying direct online?
Professional insurance agents are perfect for certain consumers, but Utah car insurance can also be bought from online companies direct. A few companies who have local agents in Murray also give you the option to get quotes and purchase online, so that should be considered.
If you’re anxious about not getting proper coverage when shopping online, don’t let it bother you. Car insurance companies provide toll-free numbers to answer your questions.
Is pricing better online? The answer is complex because there are many components which can adversely affect your policy premium. Some people think that buying direct saves the cost of an agent commission. But that assumption is generally incorrect because marketing their products costs a lot of money so there may not be significant savings.
Quote often and quote early
When shopping online for car insurance, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits and learned later that they should have had better coverage. The proper strategy is to buy enough coverage at the best price, not the least amount of coverage.
Cost effective car insurance is possible from both online companies and also from your neighborhood Murray agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.
More information about car insurance
Additional car insurance information is available on the website for the Utah Insurance Department. Click here for link. Visitors are able to file complaints about a company, find out industry alerts, and file complaints about an insurance agent or broker.
Other useful links include these car insurance answers and this link where you can get more info about Murray coverage.
