Lowest Rates from Kent Washington Auto Insurance Agencies

Comparing auto insurance rates in Kent can be a lot of work since selecting the best Kent car insurance agent for your needs is harder than just picking up the phone. Consumers require a good agent that listens to you, but also need the cheapest rates you can possibly find.

Popular companies such as GEICO, 21st Century and Progressive all claim big savings, bombarding you with catchy ads and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

Kent agents for auto insurance

Licensed agents can point out coverage gaps and give you peace of mind. The biggest benefit of getting online price quotes is the fact that you can find better rates but also keep your business local.

For easy comparison, once you complete this simple form, your insurance data gets sent to local insurance agents who will give you bids to get your business. You won’t need to leave your computer since price quotes are sent straight to your inbox. How cool is that?!

Picking an auto insurance agent should depend on more than just the price. Here are some questions to ask:

What will you get paid if your car is a total loss? How is that amount determined?
Do they feel the quoted coverages are adequate?
Do the companies they represent have a solid financial rating?
Do they make recommendations based only on price?
Do they receive special compensation for putting your coverage with one company over another?
Do they review policy coverages at every renewal?
Are there any discounts that you might be missing?

The type of insurance agent you choose is important

When looking for a good Kent insurance agent, you need to know there are two different agency structures that you can select. Agents can either be independent or captive. Both insure your vehicles, but it’s worth learning the difference between them since it can impact the type of agent you choose

Captive Agents

These agents can only write with one company and some examples include Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to compare other company’s rates so it’s a take it or leave it situation. These agents are trained well on the products they sell which helps them compete with independent agents.

The following are captive agents in Kent willing to provide rate quotes.

Farmers Insurance Group – 409 3rd Ave S # B – Kent, WA 98032 – (253) 852-9727
Allstate Insurance – 841 Central Ave N # 102 – Kent, WA 98032 – (253) 854-7003

Independent Agents

Independent agencies are not locked into one company but instead can place your coverage with multiple insurance companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and you don’t have to find a new agent.

When searching for an agent, it’s a good idea to include several independent insurance agents to get the best comparison.

Shown below is a list of independent agencies in Kent that can give you price quote information.

Duane Weber Insurance – 327 5th Ave S – Kent, WA 98032 – (253) 852-1251
American Modern Insurance Grp – 9524 S 234th Pl – Kent, WA 98031 – (253) 852-9511
Don Gregory Agency – 1048 W James St # 103 – Kent, WA 98032 – (253) 854-3021
Brinkley Family Agency – 603 Central Ave N – Kent, WA 98032 – (253) 850-9043

To view a complete directory of insurance agents in Kent, visit this site.

Upon getting answers to your satisfaction for all questions you ask and locked in a price quote, chances are good that you have found a car insurance agent that can insure your vehicles.

Do I need special coverages?

When it comes to choosing coverage, there is no single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions might point out if you may require specific advice.

Does my vehicle need full coverage?
How high should my uninsured/underinsured coverage be in Washington?
Who is covered by my policy?
When does my teenage driver need to be added to my policy?
Are my tools covered if they get stolen from my vehicle?
Who is covered when they drive my vehicle?
Do all my vehicles need collision coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent.

Can you find lower rates by buying online?

Insurance agents are important to many people, but you can also find affordable Washington auto insurance direct from companies online. Some companies who have local Kent agents also give you the option to buy online. This is something to consider and can also potentially find you lower rates.

If you’re anxious about not getting advice from an agent, this is normal but is quickly overcome. Insurance companies that require consumers to choose their own coverages all have toll-free customer service that you can contact for information. They also offer anytime access to help and a customer research section to help with the buying process.

Will you save money buying auto insurance online? It’s difficult to say for sure because there are a lot of things that are calculated into your premium. Some people think that buying car insurance online prevents the agent from taking a cut. For most online online companies, however, online and traditional media advertising are expensive so the lack of a commission may be a wash.

Smart shoppers get results

When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced liability limits or collision coverage only to regret that it was a big mistake. Your focus should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Lower-priced auto insurance can be purchased both online as well as from independent agents in Kent, and you need to price shop both to get a complete price analysis. Some insurance providers don’t offer online quoting and most of the time these small insurance companies sell through independent agents.

More resources for learning

More tips and info about auto insurance is available at the Washington State Office of the Insurance Commissioner website. Washington consumers can find out industry alerts, find a variety of consumer forms, learn about insurance regulations, and discover disciplinary actions.

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