Selecting a auto insurance company in Ferguson, Missouri can be time consuming since there are a lot of options and finding the best Missouri insurance agency takes more work than just calling the closest agent. For this article’s sake, it’s assumed you’re looking for a highly trained agent, but you also want great rates as well.
With companies like State Farm, Allstate and many independent agents having offices in Ferguson, it’s hard to tell which will provide you with the best service and rates. To begin, consumers can use insurance quotes online to assemble a group of agencies to choose from.
Local Ferguson agents and auto insurance
Good agents can answer important questions and give you someone to call. One of the best bonuses of price shopping on the web is that you can obtain the best rates and still have an agent to talk to. And providing support for local agencies is important particularly in Ferguson.
After completing this simple form, your insurance data is emailed to local insurance agents who will compete for your coverage. You won’t need to drive around due to the fact that quote results will go immediately to your email address. Now that’s easy! You can find the lowest rates and an insurance agent to talk to.
Pick the best insurance agent in Ferguson for you
When finding a local agent, you must know there are a couple different agency structures from which to choose. Ferguson agents are classified as either captive or independent.
Independent Agencies or Brokers
Independent agencies are not locked into one company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part. When shopping rates, you should always contact at a minimum one independent agency to have the most options to choose from.Most can insure with different regional companies who may have lower rates.
Listed below are independent agencies in Ferguson that are able to give competitive price quotes.
- Meadowpark Insurance – 910 S Florissant Rd – Ferguson, MO 63135 – (314) 838-5145
- Smith Insurance Group – 325 Paul Ave # 100 – Ferguson, MO 63135 – (314) 524-0999
Agency Captives
Captive agencies have only one company to place business with such as Allstate, Farmers Insurance or State Farm. They are unable to provide prices from multiple companies so they have no alternatives for high prices. Captives are usually quite knowledgeable on the products they sell which can be an advantage. Some consumers prefer to purchase coverage from captives mostly because of high brand loyalty and the convenience of having all coverages with one company.
Below is a short list of captive insurance agencies in Ferguson that can give you price quote information.
- Farmers Insurance Group – 9 S Florissant Rd # 5 – Ferguson, MO 63135 – (314) 521-1260
- American Family Insurance – 1562 Charlotte Dr – Ferguson, MO 63135 – (314) 524-5519
To view a complete directory of auto insurance agents in Ferguson, please go to this site.
Picking an insurance agent should depend on more than just the price. These questions are important to ask:
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Will your rates increase after a single accident?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Do they assist clients in filing claims?
- Do they have any clout with companies to ensure a fair claim settlement?
- Does the agency provide any after hours assistance?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
Upon receiving answers to your satisfaction to any questions you have and a good coverage price, it’s possible that you found an insurance agency that meets your needs to provide auto insurance coverage.
Purchasing car insurance direct online is an option
Insurance agencies are perfect for certain consumers, but you also have the option of buying Missouri car insurance direct over the internet. Certain companies, such as State Farm, Allstate and Farmers, who sell through the agent channel also permit you to buy direct online, and that can save time if the lowest rate is your goal.
If you’re anxious about not having an agent to talk to when shopping online, that shouldn’t be an issue. Online car insurance companies provide options to help you decide which coverages are appropriate.
Is pricing better online? The answer to that question is complicated due to the large number of individual components that can increase policy rates. It would make sense to think that shopping online for auto insurance reduces premiums because there is no agent. But the fact is, there are very high advertising costs and this drives up their premium costs.
To find out more about Missouri auto insurance
Much more information about auto insurance in Missouri is located on the Missouri Department of Insurance website through this link. Missouri consumers can discover disciplinary actions, read state legal mandates and laws, view agent and company licensing information, and learn about specific coverages.
Other informative sites include Auto Insurance 101 and this link where you can make Ferguson auto insurance comparisons.
Smart consumers save more
As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where an insured cut liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.
Low-cost auto insurance can be found on the web and with local Ferguson insurance agents, and you need to comparison shop both to get a complete price analysis. Some companies do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.
