When searching for a licensed insurance agent in Moundsville, you can always do the preliminary legwork using online quotes instead of making phone calls. Chances are good you’re not only searching for a competent insurance agent, but you also want the lowest possible price.
With State Farm, Allstate and Farmers Insurance all competing for your business, it’s difficult to determine which auto insurance agent will provide you with the lowest rates and best service. To help decide, consumers can use insurance quotes online to build a list of agents from which to choose.
Comparing rates from local agents
Good agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of comparing rates online is you may find better rates and still have an agent to talk to. And supporting local businesses is definitely important in Moundsville.
After completing this form (opens in new window), your information is instantly submitted to local insurance agents who will battle for your insurance coverage. There is no reason to leave your house because quoted prices will be sent straight to your inbox. It doesn’t get any easier! You can find the lowest rates without the usual hassles of price shopping.
Types of insurance agents
When researching a local agent, you need to know there are two types of agencies from which to choose. Agents are classified as either captive or independent (non-captive).
Independent Agents
Independent agents are not locked into one company so they can insure your vehicles with many different companies and potentially find a lower price. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency. When comparison shopping, you should always contact at least one independent agent to get the best comparison.
Below are Moundsville independent agents who can help you get pricing information.
Paree Insurance Ctr – 605 Lafayette Ave – Moundsville, WV 26041 – (304) 845-3953
Bryan Insurance – 213 Lafayette Ave – Moundsville, WV 26041 – (304) 845-0121
Captive Insurance Agents
These agents can only write with one company and examples are Allstate, Farmers Insurance, State Farm and AAA. Captives cannot provide prices from multiple companies so always compare other rates. They are well schooled on their company’s products which helps them compete with independent agents.
Listed below are Moundsville captive agencies who can help you get price quotes.
State Farm Insurance – 900 Lafayette Ave – Moundsville, WV 26041 – (304) 845-7660
To view a full list of captive insurance agencies in Moundsville, view this link.
Deciding on an insurance agency should depend on more than just a cheap price. These questions are important to ask:
- How often do they review policy coverages?
- Do they carry Errors and Omissions coverage?
- Do the companies they represent have a solid financial rating?
- Are you getting all the discounts the company offers?
- What insurance companies do they recommend if they are an independent agent?
- If your car is in the repair shop, do you have coverage for a rental car?
- How are they compensated?
Once you have reasonable responses to all your questions and a good coverage price, most likely you have located an auto insurance agent that is a good match to properly insure your vehicles.
Don’t dismiss the online option
Insurance agencies are indespensible for some people, but you also have the option of buying West Virginia car insurance from companies direct over the internet. Some car insurance companies, such as State Farm, Allstate and Farmers, that are more known for using agents, additionally provide the ability to buy direct online, so keep that in mind.
If you’re uneasy about not getting advice from an agent when buying car insurance direct, that should not be a issue. Car insurance companies provide options that you can contact for information.
Are online companies cheaper? It’s difficult to say for sure since there may be dozens of rate factors that impact your rate calculation. You may think that shopping direct saves by not paying a commission. But in most cases, the cost of constant advertising is expensive so rates may not be all that different from traditional agents.
In conclusion
While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. There have been many cases where an insured cut uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your aim should be to buy enough coverage for the lowest price while not skimping on critical coverages.
Budget-conscious auto insurance is attainable online and with local Moundsville insurance agents, and you need to price shop both to have the best selection. Some companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.
Additional resources for West Virginia consumers
Much more information about auto insurance in West Virginia can be read on the website for the West Virginia Insurance Commission found here. West Virginia consumers can learn about insurance regulations, view a list of available companies, read industry bulletins, and file complaints about an insurance agent or broker.
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