When finding a licensed insurance agent in Fort Smith, we recommend you start your search by comparing prices online in order to save time. You need a highly trained agent, but also decent rates too.
Insurance companies such as Allstate, Liberty Mutual and State Farm all claim big savings with fancy advertisements and it is challenging if not impossible to sift through the bull and find the best price available.
Price shop online but buy from a local Fort Smith agent
Good agents can point out coverage gaps and help file insurance claims. One of the best bonuses of getting online price quotes is you may find lower rates but still work with a licensed agent.
To find an agent, once you fill out this simple form, the coverage information is emailed to insurance agents in Fort Smith who will give you bids for your business. You won’t need to visit any agencies since price quotes are sent to the email address you provide. How cool is that?! You can find the lowest rates AND an agent nearby.
Selecting a car insurance agent shouldn’t rely on just the premium amount. These questions are important to ask:
- Is assistance available after office hours?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- How much will you save each year by using a higher deductible?
- Are there any discounts that you might be missing?
- Do they specialize in personal lines coverage?
- Does the agent have professional designations like CIC, CPCU or AIC?
Listed below are Fort Smith auto insurance agents that may be willing to give price quote information.
Kohler & Green Insurance – 7320 Rogers Ave # 32, Fort Smith, AR 72903 – (479) 484-9888
Farmers Insurance Group – 15021 Highway 71 S, Fort Smith, AR 72916 – (479) 996-8600
State Farm Insurance – 4900 Rogers Ave # 100f, Fort Smith, AR 72903 – (479) 452-8700
Brad Thomas Insurance Inc – 3301 S 70th St # A, Fort Smith, AR 72903 – (479) 452-4320
Farm Bureau Insurance – 5608 S 14th St, Fort Smith, AR 72901 – (479) 646-3446
Jim Sanders Agency – 5603 Elmwood Pl, Fort Smith, AR 72903 – (479) 452-6303
Allstate Insurance Co – 2004 Brazil Ave, Fort Smith, AR 72908 – (479) 646-1944
Once you have received good answers to any questions you have and a good coverage price, you may have just found an insurance agent that is a good match to service your policy.
Are online companies an option?
Professional insurance agents are important to many people, but you can also find affordable Arkansas auto insurance direct online. Some specific companies who have local Fort Smith agents also allow consumers to buy a policy online, so that should be considered if you don’t want to take the time to contact agents.
If you’re concerned about not having an agent to talk to, don’t sweat it. Insurance companies that allow you to purchase coverage provide customer service for answering any questions you have. You can also use online help and live chat to help you make a buying decision.
Is car insurance cheaper online? Many people swear by it, but it’s difficult to answer because there are many factors that are calculated into your premium. Many people think that shopping direct saves money because there is no commission. But in most cases, the cost of constant advertising is expensive and that impacts the rates consumers pay.
The best way to determine if the cheapest policy comes from an agent or online is to set aside time to compare rates from both. You could possible even receive different price quotes from insurance agents and online quoting from the exact same provider. But you can’t find out whether the best rates are online or from an agent until after you compare the same coverages for both.
Quote often and quote early
People leave their current company for any number of reasons including policy cancellation, delays in responding to claim requests, unfair underwriting practices and high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new company can be less work than you think.
While you’re price shopping online, never buy less coverage just to save a little money. There are a lot of situations where someone dropped liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at an affordable rate, not the least amount of coverage.
Additional detailed information is located at the Arkansas Insurance Department website. Arkansas consumers can read consumer alerts, view a list of available companies, and report car insurance fraud.
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