Comparing auto insurance rates in Sand Springs can be a lot of work since you have many choices and picking a good Oklahoma car insurance agent is harder than just using the same insurance agency as your neighbor. Consumers require a great agent that can assess your needs, but also need the lowest rates in Sand Springs.
Because you have many insurance providers from which to choose, it is very difficult to find the most cost effective insurance company.
Working with a local agent
Agents are trained to spot inefficiencies and help you file claims. One of the great benefits of price shopping on the web is the fact that you can find better rates but also keep your business local.
After completing this quick form, your coverage information is transmitted to local insurance agents who will return price quotes for your coverage. You won’t need to leave your house because quoted prices will be sent to your email. How’s that for easy! You’ll get the best rates AND a local agent.
Deciding on a car insurance agent needs to be determined by more than just the price. Ask your prospective agent these questions:
- How are claims handled?
- Are you getting all the discounts the company offers?
- What insurance company do they write the most business with?
- What is the agency’s Better Business Bureau rating?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Who is covered by the car insurance policy?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Choose the right auto insurance agent
If you’re trying to find an insurance agent, you need to know there are two different types of agents that differ in how they can insure your vehicles. Sand Springs agents are categorized either independent (non-captive) or captive.
Agency Captives
Captive agents have only one company to place business with and some examples include Allstate, Farmers Insurance or State Farm. They are unable to compare other company’s rates so always compare other rates. Captive agencies are trained well on their products and sales techniques and that can be a competitive advantage.
The following is a list of captive insurance agents in Sand Springs that are able to give rate quotes.
Shelter Insurance – 640 E Charles Page Blvd – Sand Springs, OK 74063 – (918) 245-7595
Farmers Insurance Group – 1120 S 221st West Ave – Sand Springs, OK 74063 – (918) 241-2631
Allstate Insurance – 16427 W 56th Pl S – Sand Springs, OK 74063 – (918) 245-6102
Independent Agencies or Brokers
Independent insurance agents are not locked into one company so they have the ability to put coverage amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency.
When comparison shopping, it’s a good idea to get quotes from several independent insurance agents to get the best comparison.
Shown below are Sand Springs independent insurance agents that are able to give comparison quotes.
Woodmen Of The World Insurance – 29620 Wildwood Pl – Sand Springs, OK 74063 – (918) 246-0033
Guide One Insurance – 24 W 41st St # D – Sand Springs, OK 74063 – (918) 245-5433
For a complete listing of Sand Springs insurance agents, visit this link.
Upon getting positive feedback as well as a affordable price, it’s possible that you found an insurance agent that can properly service your auto insurance policy.
Can you find lower rates by buying online?
Insurance agencies are indespensible for some people, but you can also find affordable Oklahoma auto insurance from companies direct over the internet. Certain auto insurance companies who sell through the agent channel also let you get a quote and buy online, and that can save time and can also potentially find you lower rates.
If you’re uncomfortable with not having someone to ask questions when shopping online, that should not be a issue. Online insurance companies that allow you to purchase coverage have toll-free phone numbers and other options for getting advice on proper coverages.
Do online companies have better rates? It’s hard to say exactly since there are many things that impact your final bill. Common logic is that a consumer who buys direct prevents the agent from taking a cut. In reality, marketing their products costs a lot of money and this tends to eat up any savings.
The only way to know who has the best rates, online companies or local insurance agents, is getting rates for as many of both types of providers as possible. Even though it sounds odd, people frequently get different pricing from online quotes as compared to agent rates from the SAME company.
In Summary
When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced liability limits or collision coverage and discovered at claim time that the small savings ended up costing them much more. Your focus should be to find the BEST coverage at the best price.
Insureds change insurance companies for a variety of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, unfair underwriting practices and questionable increases in premium. Whatever your reason, finding a new company can be pretty painless.
Online resources for education
More tips and info about auto insurance is located at the Oklahoma Insurance Department website. Oklahoma drivers can learn about insurance regulations, get help finding coverage, file complaints about an insurance agent or broker, and read consumer alerts.
