Selecting a car insurance company in Lenexa, Kansas can be time consuming since there are a lot of options and choosing the right Lenexa car insurance agent is harder than just using the same insurance agent as your neighbor. Chances are you not only want a professional agent, but you also need great rates as well.
With companies like Farmers, Allstate, and independent agents all competing for business in Lenexa, consumers have a hard time knowing which insurance agency will give you the best service and rates. To begin, consumers can get online quotes to assemble a group of insurance agents from which to choose.
Your local neighborhood insurance agent
Educated insurance agents can point out coverage gaps and help you file claims. One of the best bonuses of getting online price quotes is the fact that you can find the lowest rates and still choose a local agent. Supporting local businesses is important particularly in Lenexa.
By using this quick form, your insurance coverage information is instantly submitted to agents in your area who will give you bids for your insurance coverage. You don’t have to drive around due to the fact that quote results will go to your email. Now that’s easy! It’s the lowest rates AND a local agent.
Independent or Captive: It’s your choice
When finding local Lenexa agents, you need to know there are two different agency structures that you can select. Insurance agencies in Lenexa can either be captive or independent (non-captive).
Independent Agents
Independent insurance agents are not employed by any specific company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part. When comparing rates, it’s a good idea to get quotes from multiple independent agents to get the best comparison.
Shown below are Lenexa independent insurance agencies that may be able to provide rate quotes.
Country Insurance and Financial – 9732 Rosehill Rd – Lenexa, KS 66215 – (913) 341-0873
Financial Insurance Corp – 11831 W 77th St – Lenexa, KS 66214 – (913) 631-7441
Captive Agents
These agents work for only one company such as Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to give you multiple price quotes so keep that in mind. These agents receive extensive training on their company’s products and that can be a competitive advantage.
Shown below are captive agencies in Lenexa who can help you get comparison quotes.
American Family Insurance – 14908 W 87th St – Lenexa, KS 66215 – (913) 649-0070
Farmers Insurance Group – 12852 W 87th Street Pkwy – Lenexa, KS 66215 – (913) 385-3773
Allstate Insurance Co – 9730 Rosehill Rd – Lenexa, KS 66215 – (913) 310-9322
State Farm Insurance – 12014 W 87th Street Pkwy – Lenexa, KS 66215 – (913) 492-0505
For a full directory of captive insurance agents in Lenexa, please view this page.
Choosing an insurance agency requires more thought than just the premium amount. Agents should be asked these questions:
- Do they regularly work with personal auto policies?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are they full-time agents?
- Is the agency involved in supporting local community causes?
- Is vehicle damage repaired with OEM or aftermarket parts?
After getting acceptable answers to all your questions and an acceptable price quote, you have narrowed it down to an auto insurance agent that is a good match to service your policy.
Isn’t it cheaper to buy direct online?
Car insurance agents serve a purpose, but you can also buy Kansas car insurance direct from companies that only sell online. A few companies who sell through the agent channel also let you quote and buy online, so keep that in mind if you are the do-it-yourself type.
If you’re uncomfortable with whether or not you’ll have guidance when shopping online, don’t let it bother you. Online car insurance companies that require consumers to choose their own coverages give you access to trained agents that you can contact for information.
Does car insurance cost less online? Many people swear by it, but it’s difficult to answer since there are so many components which can adversely affect your policy premium. Common sense would say that shopping online for auto insurance saves money because there is no commission. But the reality is marketing their products costs a lot of money and this drives up their premium costs.
Learn more about car insurance in Kansas
Much more information about car insurance in Kansas can be found on the website for the Kansas Insurance Department through this link. Kansas drivers can file complaints about an insurance agent or broker, get help finding coverage, read consumer alerts, and read state legal mandates and laws.
The articles below may also help you learn more about car insurance in Lenexa
A tidy conclusion
Lower-priced car insurance can be sourced both online and with local Lenexa insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.
When shopping online for car insurance, make sure you don’t skimp on critical coverages to save a buck or two. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.
