Finding good auto insurance in Webster Groves can be challenging since you have many choices and choosing the right Webster Groves insurance agent is not as easy as just making a phone call. Consumers require a professional agent, but also the lowest rates for auto insurance in Webster Groves.
Many insurance agents compete for your business, and it can be difficult to compare rates and get the definite best price available.
Webster Groves agents for auto insurance
Good agents can answer important questions and give you peace of mind. The biggest benefit of getting online price quotes is that you can obtain the lowest rates and still have an agent to talk to.
After filling out this form (opens in new window), your coverage information is instantly submitted to local insurance agents who will compete for your insurance coverage. There is no need to drive around due to the fact that quote results will go directly to your email. It doesn’t get any easier! It’s the lowest rates without the usual hassles of price shopping.
Choosing an insurance agency shouldn’t rely on just a low price. Here are some questions to ask:
- Do they make recommendations based only on price?
- What is the agency’s Better Business Bureau rating?
- How long has their agency been open in Webster Groves?
- How many years of experience in personal lines insurance coverages do they have?
- Is assistance available after office hours?
- Is vehicle damage repaired with OEM or aftermarket parts?
Choose the right car insurance agent
When looking for local Webster Groves agents, there are two different agency structures that you can select. Webster Groves agents are classified as either captive or independent.
Captive Agents
This type of agents can only place business with one company like American Family, State Farm and Allstate. Captives cannot compare other company’s rates so keep that in mind. They are usually quite knowledgeable on their company’s products and that can be a competitive advantage. Consumers frequently buy insurance from these agents primarily because of loyalty to the company and solid financial strength.
Below is a short list of captive agents in Webster Groves that can give you price quotes.
- Farmers Insurance Group – 8039 Watson Rd # 195 – Webster Groves, MO 63119 – (314) 962-0777
- Allstate Insurance – 9849 Manchester Rd # 2 – Webster Groves, MO 63119 – (314) 963-0432
- State Farm Insurance – 8084 Watson Rd # 261 – Webster Groves, MO 63119 – (314) 849-0202
- American Family Insurance – 23 N Gore Ave # 307 – Webster Groves, MO 63119 – (314) 962-0226
Independent Insurance Agents
Independent agents are not employed by any specific company but instead can place your coverage with multiple insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can switch companies and you won’t have to switch agencies. When searching for an agent, it’s recommended you include multiple independent agents to ensure the widest selection of prices. Most have the option of insuring with different regional companies which can save you money.
Shown below are independent agents in Webster Groves that are able to give price quotes.
- Vincent K Blair Agency – 20 N Gore Ave – Webster Groves, MO 63119 – (314) 961-1501
- Commercial Insurance Marketing – 8460 Watson Rd # 201 – Webster Groves, MO 63119 – (314) 842-7320
- A T Insurance – 8050 Watson Rd # 167 – Webster Groves, MO 63119 – (314) 842-3533
For a complete listing of insurance agents in Webster Groves, please go to this site.
Upon getting answers to your satisfaction in addition to an acceptable price estimate, you may have just found a car insurance agent that can insure your vehicles.
Online companies should also be compared
Local insurance agents are important to many people, but Missouri consumers also have the option to buy from online companies direct. Certain companies like State Farm and Allstate who employ agents also give you the option to buy online, so this should also be taken into consideration.
If you’re uncomfortable with having to choose coverages yourself when shopping online, that shouldn’t be an issue. Online companies provide access to licensed agents for getting advice on proper coverages. Also available are anytime access to help and a customer research section that you can use before buying.
For price-conscious consumers, the only way of knowing if car insurance prices are lower online or from agents is to get price quotes for both. It’s even possible to receive different pricing from insurance agents and online quoting for the exact same company.
Is pricing better online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there are so many factors which can adversely affect your policy premium. Some people think that shopping direct saves the commission normally paid to an agent. But in most cases, marketing their products costs a lot of money so this can offset any savings.
Find out more about auto insurance
Additional detailed information can be read at the Missouri Department of Insurance website. Missouri consumers can download brochures, read enforcement actions against agents and companies, learn about specific coverages, and view agent and company licensing information.
Quote more, save more
When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. In too many instances, an accident victim reduced comprehensive coverage or liability limits and learned later that the savings was not a smart move. Your focus should be to get the best coverage possible at an affordable rate.
Consumers leave their current company for many reasons like policy non-renewal, extreme rates for teen drivers, poor customer service or even unfair underwriting practices. Whatever your reason, switching auto insurance companies is easier than you think.
