If you’re looking to buy auto insurance, selecting the best Gardner insurance agent for your needs is harder than just calling the closest agent. It’s assumed you’re looking for an excellent agent, but also great rates as well.
With State Farm, Allstate and Farmers Insurance all competing for your business, it can be hard to know which provider will have the best rates, service and coverage. Thankfully, you can use online quoting in order to build a list of agents and thier coverage prices.
Car Insurance through a local Gardner agent
Professional agents can point out coverage gaps and help file insurance claims. The best thing about price shopping on the web is the fact that you can find lower rates and still choose a local agent. And supporting local businesses is especially important in Gardner.
After filling out this quick form, the quote information is immediately sent to companies in Gardner who will battle for your business. There is no reason to leave your house due to the fact that quote results will go straight to your inbox. Now that’s easy!
The different types of insurance agents
If you’re trying to find a reliable agent, there are two types of insurance agents that differ in how they can insure your vehicles. Agents are categorized either captive or independent. While both can write coverage properly, but it’s good to learn the differences because it can influence your selection of an agent.
Independent Agencies or Brokers
Independent insurance agents are not employed by any specific company but instead can place your coverage amongst many companies depending on which coverage is best. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent.
When comparison shopping, you should always contact at least one independent agent for the best price selection.Many can place coverage with smaller regional carriers which can be an advantage.
Listed below is a short list of independent agencies in Gardner that are able to give price quotes.
- Sabin Agency – – Gardner, KS 66030 – (913) 856-4322
- Lehman Insurance – 109 E Main St – Gardner, KS 66030 – (913) 856-7400
- Farmland Insurance – 932 Wildcat Run – Gardner, KS 66030 – (913) 884-2176
Captive Insurance Agents
Captive insurance agents have only one company to place business with and examples are State Farm, AAA, Farmers Insurance or Allstate. They are unable to compare other company’s rates so it’s a take it or leave it situation. Captive agents are very knowledgeable on their products and sales techniques and that can be a competitive advantage. Consumers sometimes buy from captive agents mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.
Below are Gardner captive agents that can give you comparison quotes.
- Farm Bureau Insurance – 820 E Main St – Gardner, KS 66030 – (913) 856-2197
- Allstate Insurance – 315 E Main St – Gardner, KS 66030 – (913) 856-9969
- Farmers Insurance Group – 137 Main St – Gardner, KS 66030 – (913) 856-3816
- State Farm Insurance – 314 E Main St – Gardner, KS 66030 – (913) 856-6124
To view a full list of Gardner captive agents, please view this page.
Selecting an auto insurance agent requires more thought than just the bottom line cost. Ask your prospective agent these questions:
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- If you are a high risk driver, do they have special markets for your coverage?
- Are they able to influence company decisions when a claim is filed?
- Do the coverages you’re quoting properly cover your vehicle?
- Do they carry Errors and Omissions coverage?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Who are their largest clients?
- Does the agency support the community they serve?
Upon receiving positive feedback and a good coverage price, you may have just found a car insurance agent that meets your needs to properly insure your vehicles.
Also consider buying auto insurance direct
Auto insurance agents can be invaluable at times, but you also have the option of buying direct online. Some companies like Allstate and State Farm who employ agents also give you the ability to buy direct online, and consumers should do that if you prefer not to work with an agent.
If you’re uneasy about not getting advice from an agent when buying car insurance direct, don’t let it bother you. Insurance companies have toll-free phone numbers and other options for answering any questions you have. Also available are a frequently asked questions page to make it easier to purchase.
Are online rates lower? The answer to that question is complicated because of the number of factors that impact your rate calculation. It’s logical to say that buying directly from the company saves the cost of an agent commission. For most companies selling online, however, advertising budgets are huge and those expenses can offset most of the savings by selling direct.
More quotes mean more savings
Cheaper auto insurance can be bought online in addition to many Gardner insurance agents, so compare prices from both to have the best rate selection. A few companies do not provide online price quotes and most of the time these small, regional companies sell through independent agents.
Drivers who switch companies do it for a variety of reasons including high rates after DUI convictions, unfair underwriting practices, extreme rates for teen drivers or even poor customer service. Whatever your reason, finding a great new company can be pretty painless.
Much more information about auto insurance in Kansas is located on the Kansas Insurance Department website through this link. Kansas drivers can discover disciplinary actions, report car insurance fraud, and find disaster information.
