Compare Auto Insurance Rates From Wilmington Insurance Agents

When searching for a licensed insurance agent in Wilmington, we recommend you start your research online instead of calling around. It’s assumed you require not only a decent agent, but you also need affordable coverage.

With companies like Allstate, Farmers, State Farm and many independent agents all competing for your business, it can be hard to know which provider will provide the cheapest rates and the best coverage. Thankfully, consumers can get online price quotes to get a list of agents and thier coverage prices.

Wilmington agents for auto insurance

Educated insurance agents can answer important questions and give you peace of mind. One of the best bonuses of comparing rates online is that you can obtain better rates and still have an agent to talk to. And supporting local insurance agencies is especially important in Wilmington.

By using this short form, your insurance data is sent to companies in Wilmington who will give you bids for your business. There is no reason to drive around as quotes are delivered immediately to your email address. How’s that for easy!

Captive and independent Wilmington insurance agents

When researching local Wilmington agents, you must know there are a couple types of insurance agents to choose from. Insurance agencies in Wilmington are classified as either independent (non-captive) or captive. While both can do a good job, but it’s good to learn the differences since it can impact your selection of an agent.

Independent Insurance Agents

Independent agencies are not employed by any specific company but instead can place your coverage with many different companies and potentially find a lower price. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to find a new agent.

When comparing rates, it’s a good idea to get quotes from at a minimum one independent agency for maximum quote selection. They often place coverage with smaller companies who may have lower rates.

Listed below is a short list of independent insurance agents in Wilmington that may be able to provide pricing information.

Walker Taylor Agency Inc – 1430 Commonwealth Dr # 302 – Wilmington, NC 28403 – (910) 509-9000
Brad Sizemore Agency – 4922 Randall Pkwy # 1 – Wilmington, NC 28403 – (910) 791-1011
Direct General Ins Agency – 4210 Oleander Dr – Wilmington, NC 28403 – (910) 395-5577
Farm Bureau Insurance – 3137 Wrightsville Ave – Wilmington, NC 28403 – (910) 343-9900
Owens Insurance and Financial – 5704 Oleander Dr # 101 – Wilmington, NC 28403 – (910) 392-1985

Captive Agents

This type of agents are contracted to one company such as Allstate, Farmers Insurance, State Farm and AAA. They generally cannot give you multiple price quotes so keep that in mind. They are well schooled on their company’s products which can be an advantage. Consumers frequently choose to use a captive agent mostly because of high brand loyalty and solid financial strength.

Shown below is a short list of captive agents in Wilmington that can give you price quote information.

Farm Bureau Insurance – 3240 Burnt Mill Dr # 9 – Wilmington, NC 28403 – (910) 343-9815
Allstate Insurance Co – 3902 Shipyard Blvd # 2 – Wilmington, NC 28403 – (910) 392-3392
State Farm Insurance – 2816 S College Rd # A – Wilmington, NC 28412 – (910) 395-2300

To view a full list of Wilmington captive agencies, visit this site.

Deciding on an auto insurance agent shouldn’t rely on just the premium amount. These are valid questions to ask:

Does the agent have professional designations like CIC, CPCU or AIC?
Is the agent and/or agency licensed to do business in North Carolina?
Will their companies depreciate repairs to your car based on the mileage?
Is vehicle damage repaired with OEM or aftermarket parts?
What insurance companies do they recommend if they are an independent agent?
Are claims handled at the agent’s location?
Are there any discounts that you might be missing?

After getting positive feedback for all questions you ask and a good coverage price, you may have just found a car insurance agent that is a good match to properly insure your vehicles.

Do I need special coverages?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is unique.

For example, these questions may help highlight if your situation might need an agent’s assistance.

Why am I required to get a high-risk car insurance policy?
Can my teen driver be rated on a liability-only vehicle?
Am I covered when pulling a rental trailer?
When would I need additional glass coverage?
Do I need to file an SR-22 for a DUI in North Carolina?
Will my rates increase for filing one claim?
Is North Carolina a no-fault state?
Can I pay claims out-of-pocket if I buy high deductibles?
Am I covered when driving in Canada or Mexico?
How much underlying liability do I need for an umbrella policy?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent.

Also consider buying direct

Professional insurance agents are indespensible for some people, but you also have the option of buying directly from online companies. Certain auto insurance companies that are more known for using agents, additionally provide the ability to get quotes and purchase online, and that is helpful if you want to do it yourself.

If you’re concerned about not having professional advice when buying car insurance direct, don’t be too concerned. Online companies that allow you to purchase coverage have customer service departments to walk you through the process. You can also use anytime access to help and a customer research section that can help answer basic questions.

Are online premiums lower? It’s hard to say exactly because of the number of factors that impact your final bill. Common sense would say that shopping online for auto insurance cuts out the agent as a middleman. But truthfully, marketing their products costs a lot of money so rates may not be all that different from traditional agents.

Online plus local equals savings

Insureds change insurance companies for a variety of reasons including policy cancellation, being labeled a high risk driver, lack of trust in their agent and even unfair underwriting practices. No matter why you want to switch, choosing a new insurance company can be easy and end up saving you some money.

Budget-conscious auto insurance is attainable on the web and with local Wilmington insurance agents, and you need to comparison shop both to have the best rate selection. Some companies do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

For more North Carolina car insurance information

Additional auto insurance information is located on the North Carolina Department of Insurance website through this link. North Carolina drivers can find disaster information, file complaints about an insurance agent or broker, and read state legal mandates and laws.