If you’re looking to buy car insurance, there are a lot of options and finding the best Wyoming insurance agency is more difficult than just picking up the phone. You require a professional agent, and also want to find the cheapest rates you can possibly find.
Many insurance agencies vie for your insurance dollar, and because of this it can be hard to compare insurance agents and get the best coverage at the lowest rate possible.
Why do I need an agent?
Good agents can point out coverage gaps and help in the event of a claim. One of the great benefits of getting online price quotes is that you can obtain lower rates and still have an agent to talk to.
For easy comparison, once you complete this short form, your insurance data is transmitted to companies in Glenrock who will return price quotes for your coverage. You won’t need to drive around because quoted prices will be sent straight to your inbox. It doesn’t get any easier!
Deciding on an insurance agent requires more thought than just the bottom line cost. These are valid questions to ask:
- Did they already check your driving record and credit reports?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they have any clout with companies to ensure a fair claim settlement?
- Do they regularly work with personal auto policies?
- What insurance companies do they work with?
What types of insurance agencies are in Glenrock?
When researching a good Glenrock insurance agent, there are two different types of agents that differ in how they can insure your vehicles. Agencies in Glenrock are categorized either captive or independent. Either one can write coverage properly, but it’s worth learning the difference between them because it can influence your selection of an agent.
Captive Insurance Agents
This type of agents work for only one company like Allstate, AAA, Liberty Mutual and State Farm. They generally cannot shop your coverage around so they have no alternatives for high prices. They receive extensive training on the products they sell which helps them sell insurance even at higher premiums. Consumers frequently buy from captive agents mostly because of the brand legacy and strong financial ratings.
Shown below is a list of captive agencies in Glenrock who can help you get price quote information.
- Farm Bureau Insurance – 110 S 4th St – Glenrock, WY 82637 – (307) 436-8402
Independent Agencies or Brokers
Independent insurance agents are not required to write business for one company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and that require little work on your part. When comparison shopping, you should always get quotes from at a minimum one independent agency to have the most options to choose from. They often place coverage with smaller companies which can be an advantage.
Shown below are Glenrock independent agents that are able to give rate quotes.
- Robertson Insurance Inc – 404 W Birch St # 1 – Glenrock, WY 82637 – (307) 436-5303
- Burns Insurance – 217 W Birch St – Glenrock, WY 82637 – (307) 436-5301
For a full directory of insurance agents in Glenrock, simply jump to this page.
Once you have received positive feedback to any questions you have and an affordable coverage quote, you may have just found an auto insurance agent that will adequately provide car insurance.
Can you buy online and save?
Car insurance agents are indespensible for some people, but Wyoming car insurance can also be bought direct over the internet. A few companies like State Farm and Allstate that are more known for using agents, also give you the ability to quote and buy online, so that should be considered if you want to do it yourself.
If you’re anxious about not having someone to ask questions, that shouldn’t be an issue. Online insurance companies provide customer service for getting advice on proper coverages. They also make available live help and an extensive research center to help you answer questions.
If you’re not set on any one company, the best way to find out whether prices are lower online or from agents is to get price quotes for both. Even though it sounds odd, people frequently get different pricing from the exact same provider depending on where you get the price quote from.
Do customers save by switching to an online company? Many people think so, but it’s hard to say for sure since companies use quite a few components that impact your premium. Some people think that a consumer who buys direct saves money because there is no agent involvement. But in most cases, there are high advertising and marketing costs and that can cost more than having to pay agents.
Read more about Wyoming car insurance
Even more information is available at the Wyoming Insurance Department website. Wyoming consumers can find a variety of consumer forms, read enforcement actions against agents and companies, and learn about specific coverages.
Smart consumers save more
When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where someone dropped collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.
Insureds leave their current company for any number of reasons including delays in paying claims, high prices, poor customer service and denial of a claim. It doesn’t matter what your reason, finding a new car insurance company is easier than you think.
