To find an insurance agent in Blue Springs, Missouri, you can always start your research online instead of making phone calls. For this article’s sake, it’s assumed you’re not only searching for a competent insurance agent, but also the best rates possible.
With companies like State Farm, Allstate, Farmers and independent agents having offices in Blue Springs, it’s difficult to determine which provider will provide you with the best service and rates. To begin, it’s easy to use insurance quotes online in order to build a list of agencies and thier coverage prices.
Online quotes with a local Blue Springs insurance agent
Good agents can point out coverage gaps and help in the event of a claim. The biggest benefit of getting online price quotes is you may find the best rates but still work with a licensed agent. Supporting local agencies is important especially in Blue Springs.
By using this simple form, the quote information is instantly submitted to insurance agents in Blue Springs who will give you bids for your coverage. You won’t need to visit any agencies because quoted prices will be sent directly to your email. How cool is that?! It’s the lowest rates and work with a local agent.
The type of insurance agent you choose is important
When researching a local agent, there are a couple of types of agencies that you can select. Agencies in Blue Springs are categorized either independent or captive.
Independent Agents
These agents are not locked into one company so they have the ability to put coverage amongst many companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies and you won’t have to switch agencies.
When comparing rates, we recommend you contact multiple independent agents to ensure the widest selection of prices.Many can place coverage with smaller companies which may provide better rates.
Shown below are Blue Springs independent insurance agencies willing to provide pricing information.
- Insurance Sales Svc – – Blue Springs, MO 64015 – (816) 220-9998
- Direct General Ins Agency – 1610 SW State Route 7 – Blue Springs, MO 64014 – (816) 224-6116
- Mike Parker Insurance – 1040 NW South Outer Rd – Blue Springs, MO 64015 – (816) 228-3215
- A L Rider Agency Inc – 1052 SW Luttrell Rd # A – Blue Springs, MO 64015 – (816) 229-6300
- Jim Evans Agency Inc – 1400 SW State Route 7 # B – Blue Springs, MO 64014 – (816) 229-1111
Agency Captives
Captive agents work for only one company such as State Farm or Allstate. They usually cannot compare other company’s rates so always compare other rates. These agents are well schooled in insurance sales which helps them compete with independent agents. Consumers sometimes choose to use a captive agent primarily because of the prominence of the brand and the convenience of having a single billing for all their coverages.
Shown below is a list of captive agencies in Blue Springs that can give you comparison quotes.
- Allstate Insurance – 104 NW State Route 7 – Blue Springs, MO 64014 – (816) 228-8850
- State Farm Insurance – 1208 SW Us Highway 40 – Blue Springs, MO 64015 – (816) 229-1156
- Liberty Mutual Insurance – 1705 SW State Route 7 – Blue Springs, MO 64014 – (816) 228-9997
- American Family Insurance – 805 W Main St – Blue Springs, MO 64015 – (816) 220-1672
- Shelter Insurance – 706 NW Summit St – Blue Springs, MO 64015 – (816) 224-0355
- Farmers Insurance Group – 1040 NW South Outer Rd – Blue Springs, MO 64015 – (816) 228-2886
To view a complete directory of captive insurance agents in Blue Springs, please click here.
Picking an auto insurance agent requires more thought than just the price. Ask your prospective agent these questions:
- How long have they worked with personal auto insurance coverage?
- Do they regularly work with personal auto policies?
- Can they provide you with a list of referrals?
- Does the agency have a good rating with the Better Business Bureau?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Once you have good answers to all your questions and an affordable coverage quote, you’ve probably found an auto insurance agent that can properly service your auto insurance policy.
Alternatives to buying from an agent
Licensed agents serve a purpose, but you can also buy Missouri car insurance from companies direct over the internet. A few companies, such as Farmers Insurance and State Farm, who employ agents also let you buy a policy online, so this should also be taken into consideration if you want to do it yourself.
If you’re uncomfortable with not having professional advice, don’t be too concerned. Car insurance companies that allow you to purchase coverage provide toll-free numbers to help you decide which coverages are appropriate. Most companies also provide live help and 24/7 access to help you answer questions.
When trying to find the best rates, the only way to determine if local insurance agents or online providers are cheaper is to make apples-to-apples comparisons of both. Even though it sounds odd, people frequently get different pricing from online quotes as compared to agent rates from exactly the same company. But you won’t know where the best price is without quoting identical coverages each way.
Will auto insurance cost less online? Many people swear by it, but it’s difficult to answer because of the number of factors that can increase policy rates. It would make sense to think that purchasing direct online cuts out the middleman. But that assumption is generally incorrect because it’s expensive to advertise and that can cost more than having to pay agents.
Summing up your auto insurance search
Consumers who switch companies do it for any number of reasons including high rates after DUI convictions, denial of a claim, unfair underwriting practices or not issuing a premium refund. It doesn’t matter what your reason, switching companies is pretty easy and you might even save some money in the process.
As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage at a price you can afford while still protecting your assets.
Additional auto insurance information can be found on the Missouri Department of Insurance website. Click here for link. Consumers can learn about specific coverages, read enforcement actions against agents and companies, and view agent and company licensing information.
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