Little Rock Arkansas Auto Insurance Agency Pricing Compared

When trying to find a good Little Rock agent, we recommend you do the preliminary legwork by comparing rates online rather than looking in the yellowpages. There is a good chance you want an excellent agent, but you also need the lowest possible price.

With State Farm, Allstate and many independent agents having local Little Rock offices, it’s difficult to determine which one will provide the cheapest rates and the best coverage. Fortunately, you can use online price quotes to get a list of insurance agencies and price estimates.

Why do I need an agent?

Good agents can answer important questions and help submit paperwork. The best thing about price shopping on the web is the fact that you can find lower rates but also keep your business local. And providing support for local insurance agencies is especially important in Little Rock.

To make it easy to find an agent, after completing this form (opens in new window), your coverage information is sent to companies in Little Rock who will compete for your business. There is no reason to even leave your home as quotes are delivered to the email address you provide. How’s that for easy!

Pick the best car insurance agent in Little Rock for you

When researching local Little Rock agents, you must know there are a couple different agency structures from which to choose. Insurance agencies in Little Rock can either be independent or captive. While both can insure your vehicles, but it’s good to learn the differences because it can influence the type of agent you choose

Independent Agents (or Brokers)

These agents are not required to write business for one company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency.

When searching for an agent, you should always contact multiple independent agents to get the best comparison.

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

Anderson Agency Inc – 8500 W Markham St # 300 – Little Rock, AR 72205 – (501) 312-2800
Rick Stephens Insurance – 10002 W Markham St – Little Rock, AR 72205 – (501) 225-1500
Hadfield Agency Inc – 500 Pleasant Valley Dr # D-102 – Little Rock, AR 72227 – (501) 224-3300
Superior Insurance – 8 Shackleford Plz # 313 – Little Rock, AR 72211 – (501) 312-1114
Hatcher Agency – 1300 W 6th St – Little Rock, AR 72201 – (501) 375-3737

Captive Insurance Agents

Captive agencies can only write with one company and examples are Allstate, Farmers Insurance or State Farm. Captives cannot provide prices from multiple companies so keep that in mind. Captive agents are well schooled in insurance sales which helps them sell insurance even at higher premiums.

Below are captive agencies in Little Rock willing to provide price quote information.

Shelter Insurance – 9811 Interstate 30 – Little Rock, AR 72209 – (501) 565-0951
Farm Bureau Insurance – 1014 Autumn Rd # 1 – Little Rock, AR 72211 – (501) 228-0888
Allstate Insurance Co – 11125 Arcade Dr # C – Little Rock, AR 72212 – (501) 223-9800
Liberty Mutual Insurance – 200 N Bowman Rd – Little Rock, AR 72211 – (501) 228-5003
State Farm Insurance – 11715 Rainwood Rd # B4 – Little Rock, AR 72212 – (501) 224-0070
Farmers Insurance Group – 13200 W Markham St – Little Rock, AR 72211 – (501) 224-3366

For a complete listing of captive agencies in Little Rock, visit this site.

Deciding on a car insurance agent needs to be determined by more than just a low price. Ask your prospective agent these questions:

  • Are they full-time agents?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Who are their largest clients?
  • How long has their agency been in business in Little Rock?
  • Is the agent and/or agency licensed to do business in Arkansas?
  • Which company do they place the most coverage with?

After getting reasonable responses to any questions you have and an acceptable price quote, most likely you have located an auto insurance agent that can adequately provide auto insurance.

Do online insurance companies have better rates?

Local insurance agents are a valuable resource, but you also have the option of buying directly from online companies. Some car insurance companies that are more known for using agents, also give you the ability to buy direct on their websites. This is something to consider if you don’t want to take the time to contact agents.

If you’re uneasy about choosing your own coverages when shopping online, this is normal but is quickly overcome. Auto insurance companies that require consumers to choose their own coverages provide access to licensed agents for getting the best coverage. Also available are live chat and online tools that you can use before buying.

Does buying online save money? That is a tough question to answer because there are so many things that influence how your policy is priced. Some people think that a customer who purchases direcly from an online company saves money by not requiring a commission. For the majority of companies, however, advertising and marketing take a lot of money so rates may not be all that different from traditional agents.

free Little Rock insurance quote

Much more information about auto insurance in Arkansas is available on the website for the Arkansas Insurance Department through this link. Visitors are able to file complaints about an insurance agent or broker, read consumer alerts, and download brochures.

What is YOUR best insurance company?

Drivers leave their current company for many reasons like high rates after DUI convictions, being labeled a high risk driver, lack of trust in their agent and even denial of a claim. It doesn’t matter what your reason, switching companies is less work than it seems.

Affordable auto insurance can be purchased from both online companies and with local Little Rock insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.