If you’re looking to buy car insurance, you have many choices and picking a good Idaho car insurance agent is more difficult than just calling the closest agent. Consumers need a highly trained agent, and also the best price on car insurance.
Multiple car insurance agents compete for your business, and because of this it can be hard to compare insurance agencies and get the best coverage at the cheapest price
Quote online but work with a neighborhood agent
Agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of price shopping on the web is the fact that you can find lower rates and still have an agent to talk to.
By using this short form, your information is emailed to insurance agents in Jerome who will battle for your coverage. You never need to drive around as quotes are delivered straight to your inbox. Now that’s easy! You can find the lowest rates and a licensed agent to work with.
Choosing a car insurance agent requires more thought than just the premium amount. Here are some questions to ask:
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- If your car is in the repair shop, do you have coverage for a rental car?
- Is the agent and/or agency licensed to do business in Idaho?
- What insurance companies do they work with?
- Are claims handled at the agent’s location?
- If you are a high risk driver, do they have special markets for your coverage?
Types of insurance agents
When researching a reputable insurance agent or broker, there are a couple of different agency structures from which to choose. Insurance agencies in Jerome can either be independent (non-captive) or captive.
Agency Captives
Captive agencies work for only one company like American Family, State Farm and Allstate. They usually cannot give you multiple price quotes so they have to upsell other benefits. Captives are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums. Some people will only purchase coverage from captives mainly due to the brand legacy and strong financial ratings.
Shown below is a list of captive agents in Jerome that are able to give rate quotes.
- Farm Bureau Insurance – 200 E Avenue A – Jerome, ID 83338 – (208) 324-4378
- Farmers Insurance Group – 476 W Main St – Jerome, ID 83338 – (208) 324-2741
Independent Agencies or Brokers
Independent agencies do not work for one specific company so they have the ability to put coverage with any number of 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 comparison shopping, we recommend you get quotes from several independent insurance agents to have the most options to choose from.Many can place coverage with lesser-known insurance companies which can be an advantage.
Shown below is a short list of independent agents in Jerome who can help you get rate quotes.
- Farm Bureau Insurance – 200 E Avenue A – Jerome, ID 83338 – (208) 324-4378
- Jerry Haney Insurance – 101 W Main St # 3 – Jerome, ID 83338 – (208) 324-7910
- Dulling Agency Inc – 706 S Lincoln Ave – Jerome, ID 83338 – (208) 324-3131
For a full directory of licensed insurance agents in Jerome, please view this page.
Once you have positive feedback to all your questions in addition to an acceptable price estimate, it’s possible that you found a car insurance agent that will provide car insurance coverage.
You have the option to buy direct online
Car insurance agents serve a purpose, but you can also buy Idaho car insurance from companies direct over the internet. Some car insurance companies who have local Jerome agents also give you the ability to buy direct online, and consumers should do that if the lowest rate is your goal.
If you’re uneasy about choosing your own coverages when shopping online, this really isn’t an issue. Insurance companies provide access to licensed agents for customer questions.
Are car insurance rates lower online? The answer is complex because there are so many things which can adversely affect your policy premium. Some people think that buying car insurance online prevents the agent from taking a cut. For most companies selling online, however, there are high advertising and marketing costs so the lack of a commission may be a wash.
Quote more, save more
Consumers leave their current company for many reasons like policy cancellation, high prices, poor customer service and even questionable increases in premium. No matter why you want to switch, finding the right car insurance provider is not as difficult as it may seem.
Cheaper car insurance is definitely available online and also from your neighborhood Jerome agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and many times these smaller companies only sell through independent insurance agents.
Informative consumer insurance sites
More tips and info about car insurance is available at the Idaho Department of Insurance website. Idaho consumers can learn about insurance regulations, read industry bulletins, and find disaster information.
The following articles may also be useful.
