When shopping for car insurance, picking a good Nebraska auto insurance agent is not as easy as just using the same auto insurance agent as your neighbor. Most likely you’re wanting a good professional insurance agent, but you also want great rates as well.
With companies like independent agents, Allstate and State Farm having local Lincoln offices, it can be hard to know which one will provide you with the lowest rates and best service. To help decide, you can use insurance quotes online to get a list of insurance agencies and price estimates.
Professional agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of getting online price quotes is the fact that you can find the lowest rates but also keep your business local. Supporting local agencies is important especially in Lincoln.
To make it easy to find an agent, after completing this simple form, your information gets sent to companies in Lincoln who will compete for your business. There is no need to even leave your home since price quotes are sent to your email. How’s that for easy! You’ll get the best rates AND an agent nearby.
When finding a good insurance agency, there are a couple of different agency structures from which to choose. Insurance agencies in Lincoln are categorized either independent or captive.
Independent insurance agents do not work for one specific company so they can insure your vehicles amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent.
When shopping rates, it’s recommended you contact at a minimum one independent agency for maximum quote selection.
Below is a short list of independent insurance agencies in Lincoln that may be able to provide comparison quotes.
Darin Johnson Agency Inc – 145 N 46th St # 2 – Lincoln, NE 68503 – (402) 438-1100
Farm Bureau Insurance – 3600 O St # 4 – Lincoln, NE 68510 – (402) 477-6262
Pat Egan Insurance LTD – 707 N 48th St – Lincoln, NE 68504 – (402) 467-4633
Jim Cox Agency Inc – 5730 R St # C2 – Lincoln, NE 68505 – (402) 466-1500
Deon Johnson Agency – 6111 Havelock Ave # C – Lincoln, NE 68507 – (402) 464-7772
Captive agencies can only write with one company such as Allstate, Farmers Insurance or State Farm. Captives cannot compare other company’s rates so they have to upsell other benefits. Captive agents receive extensive training on their company’s products which helps them sell insurance even at higher premiums.
Listed below are captive agencies in Lincoln that are able to give price quote information.
Farmers Insurance Group – 7111 A St # 103 – Lincoln, NE 68510 – (402) 483-5401
Farm Bureau Financial Svc – 3633 O St # 4 – Lincoln, NE 68510 – (402) 421-6262
State Farm Insurance – 245 S 84th St # W102 – Lincoln, NE 68510 – (402) 489-9615
Shelter Insurance – 5801 S 58th St # Aa – Lincoln, NE 68516 – (402) 420-1993
Allstate Insurance – 100 N 56th St # 107 – Lincoln, NE 68504 – (402) 466-2122
American Family Insurance – 5640 S 16th St # C – Lincoln, NE 68512 – (402) 423-1224
For a complete listing of Lincoln captive insurance agencies, click here to link.
Picking a car insurance agent should depend on more than just the price. Any agent should have no problem answering these questions:
Upon getting positive responses for all questions you ask and a low price estimate, it’s possible that you found an auto insurance agent that will insure your vehicles.
Local insurance agents can be invaluable at times, but you can also buy Nebraska car insurance directly from online companies. Some companies, such as Farmers Insurance and State Farm, who employ agents also allow you to buy direct on their websites. This is something to consider if finding the best price is important.
If you’re uncomfortable with not having an insurance agent’s advice, this is a normal reaction for first-time shoppers. Car insurance companies that require consumers to choose their own coverages have customer service departments for answering any questions you have. They also offer live help and an extensive research center to clarify any questions you may have.
Does it save money buying online? It’s difficult to say for sure since there are so many factors which can raise or lower premium rates. Common logic is that buying direct prevents the agent from taking a cut. But in most cases, online and traditional media advertising are expensive so this can offset any savings.
Additional information is located on the website for the Nebraska Department of Insurance located here. Nebraska drivers can find disaster information, view agent and company licensing information, and learn about insurance regulations.
The following information may also be useful.
Drivers leave their current company for a number of reasons such as policy cancellation, unfair underwriting practices, not issuing a premium refund and even delays in responding to claim requests. Whatever your reason, finding a new company can be easy and end up saving you some money.
Cheaper car insurance is possible both online and with local Lincoln insurance agents, so compare prices from both in order to have the best chance of saving money. Some companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.