Searching for the most affordable Independence auto insurance online is problematic for consumers new to shopping for insurance online. With such a large number of companies competing online, how can anyone possibly compare every one to find the cheapest rates?
It’s a good habit to price shop coverage every six months due to the fact that insurance rates change regularly. If you had the best deal a year ago you will most likely find a better rate today. There is a lot of wrong information about auto insurance on the web, but by reading this article, you’re going to learn the easiest ways to reduce your auto insurance bill.
Independence Auto Insurance Comparisons
There are several ways you can shop for auto insurance but some are easier and takes less work. You could spend the better part of a day talking to agents in Independence, or you can utilize the internet to get rate comparisons in just a few minutes.
Many popular insurance companies enroll in a system that allows shoppers to enter their coverage request one time, and every company can provide price quotes. This eliminates the need for repetitive form submissions for each company.
To access this free quoting program, click to open in new window.
The one downside to getting quotes like this is you are unable to specify which providers to get pricing from. If you prefer to choose specific providers to receive pricing from, we have assembled a list of auto insurance companies in Kansas. Click here to view list.
Whichever method you choose, double check that you are using identical coverages and limits with each company. If you are comparing mixed coverages you can’t possibly determine which rate is truly the best in Independence.
But I prefer to buy car insurance from an agent
Certain consumers would rather visit with an insurance agent and there is nothing wrong with that. Professional agents can answer important questions and help submit paperwork. The biggest benefit of getting online price quotes is you may find the lowest rates and still choose a local agent. Supporting local agencies is especially important in Independence.<img class="alignright" style="padding-top:15px;" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-41.jpg" alt="Independence Kansas car insurance prices“/>
After completing this quick form, your information is sent to participating agents in Independence who will give you bids to get your business. You never need to drive around since price quotes are sent directly to your email. How’s that for easy!
Multiple types of car insurance agents in Independence
When finding a good insurance agency, you must know there are a couple different types of agents to choose from. Agents are classified as either captive or independent. While both can do a good job, but it’s important to know the difference between them because it can impact the selection process.
Independent Insurance Agents
Independent agents are not locked into one company so they can insure your vehicles amongst many companies and potentially find a lower price. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part. When shopping rates, you should always include price quotes from several independent insurance agents to ensure the widest selection of prices. Most have the option of insuring with lesser-known insurance companies who may have lower rates.
Listed below is a short list of independent insurance agents in Independence that can give you pricing information.
- Ashcraft Agency – 115 E Main St – Independence, KS 67301 – (620) 331-1960
- Southern Kansas Agency – 124 E Main St – Independence, KS 67301 – (620) 331-2620
- Bob Harris Agency – 103 N Penn Ave – Independence, KS 67301 – (620) 331-0300
- Personal Insurance Ctr – 125 S 26th St – Independence, KS 67301 – (620) 331-7234
- Sheldon Insurance – 921 N 10th St – Independence, KS 67301 – (620) 331-8100
Captive Insurance Agents
This type of agents can only write with one company and examples are AAA, State Farm, Farmers Insurance and Allstate. These agents are unable to place coverage with different providers so they have no alternatives for high prices. These agents are well schooled on their company’s products which can be an advantage. Consumers frequently choose to use a captive agent mostly because of the brand legacy and the convenience of having all coverages with one company.
Shown below are Independence captive agents that are able to give rate quotes.
- Farmers Insurance Group – 109 W Laurel St – Independence, KS 67301 – (620) 331-4454
- Shelter Insurance – 1633 N Penn Ave – Independence, KS 67301 – (620) 331-2898
For a full directory of captive insurance agents in Independence, view this link.
Choosing an insurance agency shouldn’t rely on just the price. Here are some questions to ask:
- Did they already check your driving record and credit reports?
- Will your rates increase after a single accident?
- Can they provide you with a list of referrals?
- Who is covered by the car insurance policy?
- Can glass repairs be made at your home?
Once you have received positive feedback to your questions and an affordable coverage quote, you’ve probably found a car insurance agent that can adequately provide auto insurance.
Much more information about auto insurance in Kansas can be found on the Kansas Insurance Department website located here. Kansas drivers can learn about insurance regulations, view a list of available companies, and find disaster information.
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