Comparing auto insurance companies in Muskogee, Oklahoma can be challenging because there are a lot of options and finding the best Oklahoma insurance agent is harder than just calling the closest agent. It’s assumed you not only want a professional agent, but you also want to find great rates as well.
With companies like Farmers, Allstate, and independent agents having local Muskogee offices, consumers have a hard time knowing which will provide you with the cheapest rates and the best coverage. Thankfully, it’s easy to use insurance quotes online to assemble a group of insurance agencies to choose from.
Car Insurance through a local Muskogee agent
Insurance agents can answer important questions and help you file claims. One of the best bonuses of getting online price quotes is you can get better rates and still have an agent to talk to. And supporting local insurance agencies is especially important in Muskogee.
To make it easy to find an agent, after completing this simple form, your insurance data is transmitted to local insurance agents in Muskogee who will battle for your insurance coverage. You never need to drive around due to the fact that quote results will go directly to your email. Now that’s easy! It’s the lowest rates AND an agent nearby.
Two types of auto insurance agents
When looking for a good Muskogee insurance agent, there are two types of agencies that you can select. Muskogee agents are classified as either independent (non-captive) or captive.
Independent Agents
Independent agents are not employed by any specific company but rather can write business with any number of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies and you won’t have to switch agencies. When comparing rates, you should always get quotes from at least one independent agent to have the most options to choose from. Many write coverage with smaller regional carriers which may provide better rates.
The following are independent insurance agencies in Muskogee who may be able to give you competitive price quotes.
- Ken Frazier Insurance – 2702 W Okmulgee St – Muskogee, OK 74401 – (918) 682-4003
- Darren Perry Agency – 3005 Azalea Park Dr – Muskogee, OK 74401 – (918) 681-1130
- Stephen Smalley Agency – 1143 N Main St – Muskogee, OK 74401 – (918) 683-0261
- Farm Bureau Insurance – 820 N Main St – Muskogee, OK 74401 – (918) 682-2091
- Gerald Witherspoon Agency – 811 N York St # 117 – Muskogee, OK 74403 – (918) 684-9085
Captive Insurance Agents
These agents work for only one company such as Allstate, State Farm and Farmers Insurance. They generally cannot compare other company’s rates so it’s a take it or leave it situation. These agents are usually quite knowledgeable on their company’s products and that can be a competitive advantage. Some consumers prefer to purchase coverage from captives partially due to the prominence of the brand and the convenience of having all coverages with one company.
Below are captive agents in Muskogee that are able to give price quotes.
- Shelter Insurance – 800 W Okmulgee St # A – Muskogee, OK 74401 – (918) 682-0051
- Allstate Insurance Co – 2406 E Shawnee Rd # A – Muskogee, OK 74403 – (918) 684-2011
- State Farm Insurance – 3300 Chandler Rd – Muskogee, OK 74403 – (918) 687-7536
- Farm Bureau Insurance – 820 N Main St – Muskogee, OK 74401 – (918) 682-2091
- Farmers Insurance Group – 623 Eastside Blvd – Muskogee, OK 74403 – (918) 682-0795
For a complete listing of captive agencies in Muskogee, go to this page.
Picking an insurance agent should depend on more than just the bottom line cost. These questions are important to ask:
- How long has their agency been in business in Muskogee?
- Does the agency provide any after hours assistance?
- What insurance companies do they recommend if they are an independent agent?
- How many years of experience in personal lines insurance coverages do they have?
- Will their companies depreciate repairs to your car based on the mileage?
- Are you getting all the discounts the company offers?
Once you have answers to your satisfaction for all questions you ask and locked in a price quote, it’s possible that you found a car insurance agent that can insure your vehicles.
Are online companies an option?
Local insurance agents are important to many people, but you also have the option of buying direct over the internet. Some companies like State Farm and Allstate who have local Muskogee agents also give you the option to get a quote and buy online. This is something to consider if you don’t want to take the time to contact agents.
If you’re uncomfortable with having to choose coverages yourself when buying online, this is expected but don’t let that bother you. Online insurance companies that require consumers to choose their own coverages all provide contact methods to answer your questions.
Is it cheaper to buy online? It’s hard to say exactly because there are a lot of things that impact your final bill. It’s logical to say that buying online reduces premiums because there is no agent. But the fact is, getting their brand in front of customers is expensive so rates may not be all that different from traditional agents.
More quotes mean more savings
As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.
Cost effective auto insurance is available on the web as well as from independent agents in Muskogee, and you should compare price quotes from both to have the best selection. Some insurance companies don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.
Learn more today
Additional information is available on the Oklahoma Insurance Department website. Click here for link. Oklahoma consumers can file complaints about a company, find out industry alerts, read consumer alerts, and file complaints about an insurance agent or broker.
Other useful links include FindNewCarInsurance.com and this page for help finding agents in Muskogee, OK.
