When pricing auto insurance in Vicksburg, MS, there are a lot of options and picking a good Mississippi insurance agent is not as easy as just using the same insurance agent as your neighbor. Consumers need a good professional insurance agent, and also the best possible rates.
You have multiple car insurance agents to pick from, and although it’s a good thing to have a selection, too many choices makes it more difficult to compare rates and cut insurance costs.
Quote online but still have a local agent
Good agents can answer important questions and give you someone to call. The biggest benefit of getting online price quotes is that you can obtain better rates and still have an agent to talk to.
For easy comparison, once you complete this quick form, your insurance coverage information is immediately sent to companies in Vicksburg who will return price quotes for your insurance coverage. You won’t need to visit any agencies due to the fact that quote results will go to the email address you provide. How cool is that?! You can find the lowest rates AND a local agent.
Picking a car insurance agent requires more thought than just a cheap price. Some important questions to ask are:
- Do they carry Errors and Omissions coverage?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Which company do they place the most coverage with?
- Is working in the agency their full-time job?
- Are claims handled at the agent’s location?
- How are they compensated?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
What type of Vicksburg insurance agent is right for you?
When looking for a local agent, there are two types of agencies that differ in how they can insure your vehicles. Agencies in Vicksburg are either independent or captive.
Agency Captives
This type of agents are contracted to one company such as State Farm, AAA and Liberty Mutual. They generally cannot provide prices from multiple companies so they have no alternatives for high prices. They receive extensive training on the products they sell and that can be a competitive advantage.
Shown below is a list of captive insurance agencies in Vicksburg who may provide you with price quotes.
Allstate Insurance – 1910 Drummond St – Vicksburg, MS 39180 – (601) 636-5568
Farm Bureau Insurance – 1115 Grove St – Vicksburg, MS 39183 – (601) 636-1003
Shelter Insurance – 2703 Clay St # B – Vicksburg, MS 39183 – (601) 619-9400
State Farm Insurance – 2839 Clay St – Vicksburg, MS 39183 – (601) 636-2217
Independent Agencies or Brokers
Independent agents are not employed by any specific company but rather can write business with lots of companies and potentially find a lower price. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part.
When comparison shopping, it’s a good idea to include at a minimum one independent agency for the best price selection.
Shown below are Vicksburg independent insurance agencies that can give you price quotes.
Dan Muirhead Jr Insurance – 2000 Clay St – Vicksburg, MS 39183 – (601) 631-0111
Direct General Ins Agency – 3046 Indiana Ave # I – Vicksburg, MS 39180 – (601) 630-0000
Farm Bureau Insurance – 1115 Grove St – Vicksburg, MS 39183 – (601) 636-1003
For a complete listing of licensed insurance agents in Vicksburg, simply jump to this page.
Once you have received good answers to all your questions and an affordable coverage quote, you’ve probably found an insurance agency that can service your policy.
Online companies appeal to some consumers
Car insurance agents are important to many people, but you can also find affordable Mississippi auto insurance direct online. Some car insurance companies who have local Vicksburg agents also allow you to buy direct on their websites, so keep that in mind to possibly find a better rate.
If you’re apprehensive about not receiving proper advice when buying online, this is normal but is quickly overcome. Companies give you access to trained agents to walk you through the process.
Are online premiums lower? That is a tough question to answer because there are many factors that influence your rates. Common logic is that a customer who purchases direcly from an online company saves money because there is no agent involvement. But in reality, there are high advertising and marketing costs and those expenses can offset most of the savings by selling direct.
When shopping for low rates, the only 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. It’s even possible to receive different pricing from agents as you do online for the same auto insurance company.
Online resources for education
More detailed Mississippi auto insurance information is available at the Mississippi Insurance Department website. Consumers can get help finding coverage, view a list of available companies, find disaster information, and learn about specific coverages.
Other related articles:
- Follow These Tested Techniques for Paying Less for Vicksburg Mississippi Auto Insurance
- 5 Ways You Can Buy Car Insurance for Less in Vicksburg Mississippi
Summing up your auto insurance search
Consumers leave their current company for a variety of reasons including questionable increases in premium, an unsatisfactory settlement offer, delays in paying claims or even being labeled a high risk driver. Regardless of your reason, finding the right auto insurance provider is not as difficult as it may seem.
When shopping online for auto insurance, never skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced full coverage only to regret they didn’t purchase enough coverage. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
