Comparing car insurance companies in Hayden, ID can be challenging because picking a good Idaho insurance agent is harder than just driving to the closest agent’s office. You require a friendly agent, but also need cheaper car insurance prices.
Because there are so many car insurance companies to choose from, it is very difficult to pick the best insurer.
How to compare Hayden car insurance rates
Agents can answer important questions and give you peace of mind. One of the best bonuses of comparing rates online is the fact that you can find lower rates but still work with a licensed agent.
Once you complete this simple form, your information is submitted to agents in your area who will compete for your coverage. You never need to even leave your home since price quotes are sent directly to your email. It doesn’t get any easier! You can find the lowest rates and an insurance agent to talk to.
Deciding on a car insurance agent should depend on more than just the premium amount. Ask your prospective agent these questions:
- How long have they worked with personal auto insurance coverage?
- Do they assist clients in filing claims?
- What insurance companies do they recommend if they are an independent agent?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is working in the agency their full-time job?
Car insurance agents in Hayden come in two varieties
When finding a reliable agent, you must know there are a couple types of insurance agents from which to choose. Agents are either captive or independent.
Captive Insurance Agents
Captive agents can only write with one company like State Farm or Allstate. Captives cannot place coverage with different providers so they have no alternatives for high prices. Captives are trained well in insurance sales and that can be a competitive advantage. Consumers sometimes purchase coverage from captives mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.
The following is a short list of captive insurance agencies in Hayden who may provide you with price quotes.
- American Family Insurance – 279 W Prairie Ctr # J – Hayden, ID 83835 – (208) 699-7132
Independent Agents (or Brokers)
These agents do not work for one specific company but instead can place your coverage with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage without you having to go to a different agency.
When shopping rates, you should always contact multiple independent agents to have the most options to choose from. They also have the ability to place coverage with different regional companies which can be an advantage.
Listed below is a list of independent insurance agents in Hayden that can give you comparison quotes.
- Group Insurance Plans – 8884 N Government Way # C – Hayden, ID 83835 – (208) 772-3478
- Pat Smith Insurance Care – 157 W Hayden Ave – Hayden, ID 83835 – (208) 762-7877
- Rod Taylor Agency – 157 W Hayden Ave # 101 – Hayden, ID 83835 – (208) 772-6058
- Bill Johnson Agency – 8880 N Hess St # 3 – Hayden, ID 83835 – (208) 772-9535
For a full directory of Hayden insurance agents, go to this page.
Upon receiving answers to your satisfaction to any questions you have as well as a affordable price, most likely you have located an insurance agency that will properly service your car insurance policy.
Online companies can help you save
Licensed agents can be invaluable at times, but Idaho drivers can also buy directly from online companies. Even companies who sell through the agent channel also allow you to quote and buy online, and that is helpful.
If you’re apprehensive about not having an agent to talk to when buying car insurance direct, don’t be too concerned. Online insurance companies that require consumers to choose their own coverages all provide contact methods to walk you through the process.
If you’re not set on any one company, the best way to find out who has the best deal, local agents or online insurance companies, is to make apples-to-apples comparisons of both. It’s even possible to receive different pricing when getting a price from both an agent and online for the identical company.
Are online premiums lower? It’s hard to say exactly since there are so many factors that influence your rates. It’s a common assumption that a customer who purchases direcly from an online company reduces premiums because there is no agent. But in reality, getting their brand in front of customers is expensive so the lack of a commission may be a wash.
And the best car insurance company is…
As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to find out that it was a big error on their part. The ultimate goal is to find the BEST coverage at the best price, not the least amount of coverage.
Insureds leave their current company for a variety of reasons including an unsatisfactory settlement offer, denial of a claim, not issuing a premium refund and high prices. It doesn’t matter why you want to switch switching car insurance companies can be easier than you think.
More tips and info about car insurance is available at the Idaho Department of Insurance website. Idaho drivers can view a list of available companies, learn about specific coverages, and read state legal mandates and laws.
The articles below may also help you learn more about car insurance in Hayden
