Finding good car insurance in Ridgeland can be challenging since you have many choices and choosing the right Ridgeland car insurance agent takes more work than just using the same insurance agency as your neighbor. There is a good chance you not only want a good agent that listens to you, but you also need great rates as well.
With insurance companies like Farmers, Allstate, and independent agents having offices in Ridgeland, it’s hard to tell which insurance agency will give you the lowest rates and best service. Fortunately, consumers can get online quotes to get a list of agencies from which to choose.
Compare Ridgeland agent rates online
Good agents can answer important questions and help you file claims. The biggest benefit of comparing rates online is the fact that you can find better rates but still work with a licensed agent. Supporting local insurance agencies is especially important in Ridgeland.
After filling out this quick form, your insurance coverage information is transmitted to agents in your area who will battle for your coverage. You won’t need to even leave your home due to the fact that quote results will go to your email. Now that’s easy!
Two types of auto insurance agents
When researching a reputable insurance agent or broker, you need to know there are two different agency structures to choose from. Ridgeland agents are classified as either independent or captive. Both do a good job, but it’s important to know how they are different because it can influence your agent selection.
Independent Insurance Agents
Independent insurance agents are not locked into one company so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house and that require little work on your part. When searching for an agent, you should always contact at a minimum one independent agency to get the best comparison.
Below is a list of independent agencies in Ridgeland that are able to give pricing information.
Compensation Insurance Svc – 682 Town Center Blvd # 102 – Ridgeland, MS 39157 – (601) 977-9456
Wooten Insurance Inc – 400 Ih 55 N – Ridgeland, MS 39157 – (601) 605-6338
Jerry Lyons Agency – 101 Business Park Dr # G1 – Ridgeland, MS 39157 – (601) 977-0170
Captive Insurance Agents
These agents can only place business with one company like State Farm, AAA and Liberty Mutual. These agents are unable to shop your coverage around so keep that in mind. They are trained well on their company’s products which helps them compete with independent agents.
Below is a list of captive insurance agencies in Ridgeland who can help you get rate quotes.
Shelter Insurance – 6600 Old Canton Rd # D – Ridgeland, MS 39157 – (601) 977-0002
Southern Farm Bureau Cslty Ins – 1800 E County Line Rd # 400 – Ridgeland, MS 39157 – (601) 957-7777
State Farm Insurance – 6969 Old Canton Rd – Ridgeland, MS 39157 – (601) 956-6556
To view a complete directory of car insurance agents in Ridgeland, go to this page.
Deciding on an insurance agency shouldn’t rely on just the premium amount. Agents should be asked these questions:
- Is vehicle damage repaired with OEM or aftermarket parts?
- Which members of your family are coverage by the policy?
- Are they able to influence company decisions when a claim is filed?
- If your car is in the repair shop, do you have coverage for a rental car?
- Is their price quote a firm figure or are their hidden costs?
Upon getting positive feedback to all your questions as well as a affordable price, most likely you have located an insurance agency that will insure your vehicles.
Are online companies an option?
Car insurance agents are perfect for certain consumers, but you can also find affordable Mississippi auto insurance from companies direct over the internet. A few companies like Allstate and State Farm who sell through the agent channel also allow you to buy online, so keep that in mind if the lowest rate is your goal.
If you’re uneasy about choosing your own coverages when buying car insurance direct, don’t be too concerned. Online companies that require consumers to choose their own coverages provide access to licensed agents to walk you through the process. Also available are help pages and frequently asked questions to help you answer questions.
Will buying online save you money? The answer to that question is complicated since there may be dozens of rate factors that impact your premium. It’s a common assumption that a consumer who buys direct saves the cost of an agent commission. But the reality is advertising budgets are huge so this can offset any savings.
More effort can pay off
Cost effective car insurance can be purchased from both online companies and also from your neighborhood Ridgeland agents, so compare prices from both to have the best rate selection. A few companies may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.
People who switch companies do it for many reasons like lack of trust in their agent, policy cancellation, an unsatisfactory settlement offer or questionable increases in premium. Regardless of your reason for switching companies, switching car insurance companies can be pretty painless.
Consumer car insurance information in Mississippi
Additional information can be found on the website for the Mississippi Insurance Department located here. Mississippi consumers can read enforcement actions against agents and companies, report car insurance fraud, and file complaints about an insurance agent or broker.
The following information may also be useful.
