If you’re trying to find a good insurance agent in Seward, Nebraska, you can start your search using online quotes rather than picking up the phone. Chances are good that not only do you want a friendly agent, but you also need affordable coverage.
With insurance companies like American Family, Allstate, State Farm and Farmers having offices in Seward, it can be hard to know which will give you the cheapest rates and the best coverage. To help decide, it’s easy to use online quotes in order to build a list of agencies to choose from.
Quote online but work with a neighborhood agent
Insurance agents can answer important questions and help in the event of a claim. One of the best bonuses of price shopping on the web is that you can obtain the lowest rates but also keep your business local. And supporting local businesses is definitely important in Seward.
After filling out this form (opens in new window), the quote information is instantly submitted to local insurance agents in Seward who will compete for your coverage. You won’t need to drive around since price quotes are sent to your email. How cool is that?! Get lower rates and work with a local agent.
Captive or Independent: There is a difference
When looking for a local agent, you need to know there are two types of agencies that you can select. Seward agents are either captive or independent.
Independent Insurance Agents
Independent agents are not locked into one company but instead can place your coverage with lots of companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency. When comparison shopping, it’s a good idea to contact at a minimum one independent agency to have the most options to choose from. They also have the ability to place coverage with smaller companies which can be an advantage.
Below is a short list of independent agencies in Seward who can help you get comparison quotes.
- Cooksey Insurance – 127 N 6th St – Seward, NE 68434 – (402) 643-2906
- Kolterman Agency Inc – 341 N 6th St – Seward, NE 68434 – (402) 643-2900
- Brenda Henning Insurance – 23 Main St – Seward, NE 68434 – (402) 643-4548
Captive Insurance Agents
Captive insurance agents can only place business with one company like Allstate, Farmers Insurance or State Farm. Captives cannot give you multiple price quotes so they are skilled at selling on more than just price. Captive agencies are well schooled on their products and sales techniques which helps them compete with independent agents. Some consumers prefer to choose to use a captive agent mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.
Below is a short list of captive agencies in Seward that can give you price quotes.
- Farm Bureau Insurance – 729 Seward St # 3 – Seward, NE 68434 – (402) 643-4211
- American Family Insurance – 123 N 6th St – Seward, NE 68434 – (402) 643-4961
To view a complete directory of Seward captive agencies, click here to link.
Deciding on an insurance agent should depend on more than just the bottom line cost. These questions are important to ask:
- Does the agency have a good rating with the Better Business Bureau?
- Does the agency support the community they serve?
- Do they regularly work with personal auto policies?
- Are they properly licensed to sell insurance in Nebraska?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
After receiving reasonable responses to all your questions as well as a affordable price, it’s possible that you found an auto insurance agent that meets your needs to adequately provide car insurance.
Online companies can help you save
Local insurance agents are indespensible for some people, but you can also buy Nebraska car insurance direct online. Some specific companies, such as Farmers Insurance and State Farm, who sell through agents in Seward also give you the option to get quotes and purchase online. This is something to consider if you don’t want to take the time to contact agents.
If you’re apprehensive about selecting your own policy coverages, this is expected but don’t let that bother you. Online insurance companies provide options for getting questions answered.
The only method to determine if agents have better prices than online companies is to compare price quotes from both. Lots of times people will get different prices from online quotes as compared to agent rates from the same car insurance company. It’s just impossible to know which method provides the best price without quoting coverages using both methods.
Is it cheaper to buy online? That question is hard to answer since there are so many components that influence the price you pay. It’s often assumed that a customer who purchases direcly from an online company prevents the agent from taking a cut. But truthfully, the cost of constant advertising is expensive so there may not be significant savings.
To learn more about car insurance in Nebraska
More information is located on the Nebraska Department of Insurance website. Click here for link. Visitors are able to file complaints about an insurance agent or broker, discover disciplinary actions, find a variety of consumer forms, and get help finding coverage.
The articles below may also help you learn more about car insurance in Seward
Affordable insurance is out there
While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. There are too many instances where consumers will sacrifice full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at the best price, not the least amount of coverage.
Drivers leave their current company for a variety of reasons including extreme rates for teen drivers, denial of a claim, high rates after DUI convictions or even poor customer service. Whatever your reason, choosing a new company is pretty simple and you could end up saving a buck or two.
