Comparing car insurance companies in Natchez, Mississippi can be challenging because picking a good Mississippi insurance agency is not as easy as just calling the closest agent. There is a good chance you want an excellent agent, but also the lowest possible price.
With companies like Farmers, Allstate, and independent agents all competing for your business, it can be hard to know which one will give you the best rates, service and coverage. To begin, you can use online quotes in order to build a list of agents and price estimates.
Local Natchez agents and car insurance
Licensed agents can answer important questions and help you file claims. The biggest benefit of comparing rates online is that you can obtain lower rates and still have an agent to talk to. And supporting local businesses is definitely important in Natchez.
To find an agent, once you fill out this quick form, your insurance coverage information is sent to insurance agents in Natchez who will battle for your coverage. There is no reason to leave your house because quoted prices will be sent directly to your email. How’s that for easy!
Auto insurance agents in Natchez come in two varieties
When researching a good insurance agency, there are a couple of types of agencies from which to choose. Natchez agents can either be independent or captive. While both can insure your vehicles, but it’s worth mentioning the difference between them since it may influence the selection process.
Independent Insurance Agents
These agents do not work for one specific company so they can insure your vehicles with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part.
When shopping rates, you should always include price quotes from several independent insurance agents for the best price selection. Many write coverage with different regional companies which can save you money.
The following are Natchez independent insurance agents that are able to give pricing information.
- Insurance Center – 909 State St – Natchez, MS 39120 – (601) 442-4823
- Muirhead Agency Inc – 255 Highway 61 S – Natchez, MS 39120 – (601) 446-8494
- Laird Insurance – 118 S Wall St – Natchez, MS 39120 – (601) 442-4041
Captive Insurance Agents
Captive agents can only place business with one company such as State Farm, AAA, Farmers Insurance or Allstate. They usually cannot compare other company’s rates so they have no alternatives for high prices. Captives are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums. Some consumers prefer to choose to use a captive agent primarily because of loyalty to the company and solid financial strength.
The following is a list of captive agents in Natchez that are able to give rate quotes.
- Allstate Insurance – 174 Sgt Prentiss Dr # B – Natchez, MS 39120 – (601) 442-1668
- Shelter Insurance – 118 Jeff Davis Blvd – Natchez, MS 39120 – (601) 445-9781
- State Farm Insurance – 195 Sgt Prentiss Dr – Natchez, MS 39120 – (601) 442-0204
To view a full list of Natchez captive agents, simply jump to this page.
Selecting a car insurance agent requires more thought than just a low price. Here are some questions to ask:
- Do they specialize in personal lines coverage?
- Do they assist clients in filing claims?
- How are they compensated?
- Do they carry Errors and Omissions coverage?
- Do they review policy coverages at every renewal?
- Can glass repairs be made at your home?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
After receiving positive feedback to these questions in addition to an acceptable price estimate, it’s possible that you found a car insurance agent that is a good match to service your policy.
Isn’t it cheaper to buy from online companies like Geico?
Local insurance agents are perfect for certain consumers, but Mississippi consumers also have the option to buy direct from companies that only sell online. Some car insurance companies who have local agents in Natchez also permit you to buy online, so that should be considered as an alternative to contacting agents.
If you’re uncomfortable with choosing your own coverages when shopping online, don’t be too concerned. Online companies have toll-free phone numbers and other options to help you decide which coverages are appropriate. Also available are 24/7 live help and a car insurance FAQ section that you can use if you have questions.
Will you save money buying auto insurance online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since companies use quite a few components that determine the price you pay. It would make sense to think that buying online saves the commission normally paid to an agent. For the majority of companies, however, marketing their products costs a lot of money so the rates may be similar to buying from an agent.
Final considerations
Drivers leave their current company for many reasons like not issuing a premium refund, extreme rates for teen drivers, unfair underwriting practices or even high rates after DUI convictions. It doesn’t matter what your reason, finding a great new company is easier than you think.
Budget-conscious car insurance can be bought on the web and with local Natchez insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some car insurance companies do not offer online quoting and these smaller companies work with independent agents.
More information can be read on the Mississippi Insurance Department website through this link. Consumers can report car insurance fraud, view agent and company licensing information, learn about insurance regulations, and find a variety of consumer forms.
Other useful links include Auto Insurance 101 and this page of insurance agents in Natchez.
