Comparison Shop the Cheapest Auto Insurance Rates From Agents in Independence, MO

If you’re looking to buy auto insurance, you have many choices and choosing the right Independence insurance agency is harder than just calling the closest agent. There is a good chance you’re not only searching for a competent insurance agent, but also the best rates possible.

With Farmers, Allstate, and independent agents having offices in Independence, it’s hard to tell which car insurance agent will provide the best rates, service and coverage. To begin, you can use online price quotes to assemble a group of agencies from which to choose.

When might I need an agent?

When choosing adequate coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions might help in determining whether or not you might need an agent’s assistance.

  • When should I remove comp and collision on my vehicle?
  • Are my friends covered when driving my vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Does my liability insurance cover pulling a trailer or camper?
  • What vehicles should carry emergency assistance coverage?
  • Should I buy only the required Missouri minimum liability coverage?
  • Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent.

Local Independence auto insurance agents

Licensed agents are trained to spot inefficiencies and give you peace of mind. One of the best bonuses of comparing rates online is you can get lower rates but also keep your business local. Buying from small agencies is especially important in Independence.

To find an agent, once you fill out this simple form, your coverage information is sent to agents in your area who will battle to get your business. You won’t need to visit any agencies since price quotes are sent to your email. How cool is that?! You can find the lowest rates and an insurance agent to talk to.

Two types of car insurance agents

When looking for a good insurance agency, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Independence agents are classified as either independent or captive.

Independent Agencies or Brokers

Independent agents are not employed by any specific company but instead can place your coverage with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency. When searching for an agent, we recommend you include price quotes from at least one independent agent to get the best comparison.

Below are independent agents in Independence that can give you price quotes.

Brent Lilly Agency Inc – 3720 Arrowhead Ave # 101 – Independence, MO 64057 – (816) 795-9945
Guide One Insurance – 17000 E Us Highway 40 # 11 – Independence, MO 64055 – (816) 478-6440
Lisa J Clay Agency – 2866 S State Route 291 # C – Independence, MO 64057 – (816) 373-0068
Thomas Blau Agency Inc – 13922 E Noland Ct – Independence, MO 64055 – (816) 461-4444
Guide One Insurance – 3640 S Noland Rd # 251 – Independence, MO 64055 – (816) 461-7900

Captive Insurance Agents

These agents can only place business with one company and examples are AAA, Allstate and State Farm. They are unable to place coverage with different providers so always compare other rates. These agents are well schooled on the products they sell which helps them sell insurance even at higher premiums.

Below is a short list of captive agencies in Independence that can give you price quotes.

Shelter Insurance – 9306 E Us Highway 40 # A – Independence, MO 64055 – (816) 356-1336
State Farm Insurance – 3600 S Noland Rd # K – Independence, MO 64055 – (816) 836-0114
Allstate Insurance – 16650 E Us Highway 40 – Independence, MO 64055 – (816) 373-7590
Farm Bureau Insurance – 2112 S State Route 291 # B – Independence, MO 64057 – (816) 833-4440
Farmers Insurance Group – 19401 E Us Highway 40 # 151 – Independence, MO 64055 – (816) 795-0660
American Family Insurance – 19401 E Us Highway 40 # 195 – Independence, MO 64055 – (816) 795-2424

To view a complete directory of auto insurance agents in Independence, please click here.

Selecting an insurance agency should depend on more than just a low price. Any agent should have no problem answering these questions:

  • Do the coverages you’re quoting properly cover your vehicle?
  • Are there any discounts that you might be missing?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • How much can you save by raising your physical damage deductibles?
  • What insurance companies do they recommend if they are an independent agent?
  • How are they compensated?

Upon receiving positive feedback to any questions you have and a good coverage price, you’ve probably found an auto insurance agent that is a good match to properly insure your vehicles.

Can you save by buying online?

Auto insurance agents are important to many people, but Missouri consumers also have the option to buy direct online. Certain companies like Allstate and State Farm who employ agents also give you the ability to buy a policy online, and consumers should do that if the lowest rate is your goal.

If you’re uneasy about not having someone to ask questions when buying online, this is normal but is quickly overcome. Insurance companies provide options to help you decide which coverages are appropriate.

Will auto insurance cost less online? That is a tough question to answer because there are so many things which can adversely affect your policy premium. Common sense would say that shopping online for auto insurance cuts out the middleman. But the reality is marketing expenses are significant so this can offset any savings.

Additional information is located on the website for the Missouri Department of Insurance found here. Missouri consumers can file complaints about an insurance agent or broker, file complaints about a company, discover disciplinary actions, and download brochures.

Independence MO insurance banner

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Compare but don’t skimp

When shopping online for auto insurance, it’s very important that you do not buy poor coverage just to save money. There have been many situations where consumers will sacrifice physical damage coverage only to regret that it was a big mistake. Your strategy should be to get the best coverage possible at the best price.

Affordable auto insurance can be purchased online in addition to many Independence insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.