When searching for an insurance agent in Madisonville, Kentucky, we recommend you do an initial search online rather than picking up the phone. We’re assuming you not only want a good agent that listens to you, but you also want the lowest possible price.
With companies like Allstate, Farmers and State Farm as well as independent agents all competing for business in Madisonville, consumers have a hard time knowing which provider will provide the best rates, service and coverage. To begin, it’s easy to use online price quotes to build a list of insurance agents and thier coverage prices.
Your insurance agent down the street
Licensed agents are trained to spot inefficiencies and help submit paperwork. The best thing about getting online price quotes is the fact that you can find the lowest rates and still have an agent to talk to. And supporting local agencies is especially important in Madisonville.
To find an agent, once you fill out this short form, the quote information is emailed to participating agents in Madisonville who will compete to get your business. You won’t need to leave your computer as quotes are delivered straight to your inbox. How cool is that?!
What type of Madisonville insurance agency is right for you?
When finding a reliable agent, there are two types of insurance agents that differ in how they can insure your vehicles. Agencies in Madisonville can either be independent (non-captive) or captive. While both can write coverage properly, but it’s worth mentioning the differences since it can impact the type of agent you choose
Independent Agencies or Brokers
Independent insurance agents do not work for one specific company so they can insure your vehicles with many different companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency.
When comparing rates, it’s a good idea to include at a minimum one independent agency to have the most options to choose from.
Shown below are independent agencies in Madisonville willing to provide price quote information.
Hawkins Insurance Svc Inc – 231 E Arch St – Madisonville, KY 42431 – (270) 821-9395
Farm Bureau Insurance – 585 Nebo Rd – Madisonville, KY 42431 – (270) 821-5887
Captive Insurance Agents
Captive agents write business for a single company and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are not able to provide prices from multiple companies so keep that in mind. Captive agents are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
The following is a list of captive agencies in Madisonville that are able to give rate quotes.
State Farm Insurance – 643 S Main St – Madisonville, KY 42431 – (270) 821-4477
Shelter Insurance – 425 S Main St – Madisonville, KY 42431 – (270) 821-1078
Farm Bureau Insurance – 585 Nebo Rd – Madisonville, KY 42431 – (270) 821-5887
Allstate Insurance – 614 E Arch St – Madisonville, KY 42431 – (270) 825-9920
For a full directory of captive agents in Madisonville, view this link.
Deciding on an auto insurance agent requires more thought than just a cheap price. Here are some questions to ask:
- How long have they worked with personal auto insurance coverage?
- How much will you save each year by using a higher deductible?
- Will your rates increase after a single accident?
- If your car is totalled, how to they determine the replacement cost?
- What is the agency’s Better Business Bureau rating?
- Can glass repairs be made at your home?
- If you are a high risk driver, do they have special markets for your coverage?
Upon getting reasonable responses to any questions you have in addition to an acceptable price estimate, chances are good that you have found an auto insurance agent that is a good match to insure your vehicles.
The online company option
Insurance agencies serve a purpose, but you also have the option of buying Kentucky car insurance from companies direct over the internet. Even companies who sell through agents in Madisonville also permit you to buy online, and that is helpful if finding the best price is important.
If you’re concerned about not having professional advice when buying direct, this really isn’t an issue. Car insurance companies have customer service departments to help you decide which coverages are appropriate. Additionally, most companies also offer 24/7 live help and a car insurance FAQ section to make it easier to purchase.
Will buying online save you money? Many people swear by it, but it’s difficult to answer since there are so many factors that determine your policy premium. It’s often assumed that buying car insurance online prevents the agent from taking a cut. For most companies selling online, however, getting their brand in front of customers is expensive and that impacts the rates consumers pay.
More information about auto insurance
Additional information is located on the website for the Kentucky Department of Insurance. Click here for link. Kentucky consumers can discover disciplinary actions, find out which companies have the most complaints, find a variety of consumer forms, and read state legal mandates and laws.
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More comparisons equals lower rates
When trying to cut insurance costs, you should never buy poor coverage just to save money. In many cases, an insured cut liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.
Lower-priced auto insurance is definitely available on the web and also from your neighborhood Madisonville agents, so you should compare both to get a complete price analysis. Some companies may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.
