Online Rate Quotes for Greeley Auto Insurance Agents

When trying to find an insurance agent in Greeley, CO, you can do the preliminary legwork online to save time. You need a great agent that can assess your needs, but also need the lowest rates for auto insurance in Greeley.

Lots of car insurance agents contend for your insurance dollar, and because of this it can be hard to compare car insurance agents to get the lowest rate possible.

Do I just need basic coverages?

When choosing the right insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

These are some specific questions can help discover if you would benefit from an agent’s advice.

  • Am I covered when pulling a rental trailer?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered if I wreck a rental car?
  • Do I need motorclub coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Which companies will insure high-risk drivers?

If you can’t answer these questions, you may need to chat with an agent.

Buying car insurance locally

Good agents can point out coverage gaps and help file insurance claims. The best thing about comparing rates online is the fact that you can find the lowest rates but still work with a licensed agent.

Upon completion of this short form, the quote information is emailed to companies in Greeley who will battle for your business. There is no reason to visit any agencies because quoted prices will be sent directly to your email. Now that’s easy!

Selecting an insurance agent requires more thought than just a low price. Agents should be asked these questions:

  • Are they able to influence company decisions when a claim is filed?
  • Can glass repairs be made at your home?
  • Will their companies depreciate repairs to your car based on the mileage?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Are claims handled at the agent’s location?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • If they are an independent agency, which companies do they recommend?

Greeley auto insurance agents come in two flavors

When searching for an insurance agent, there are a couple of types of agencies to choose from. Greeley agents can either be captive or independent. Both types can properly insure your vehicles, but it’s good to learn how they differ since it may influence buying decisions.

Captive Insurance Agents

These agents have only one company to place business with and some examples include State Farm or Allstate. They usually cannot compare other company’s rates so they have no alternatives for high prices. Captives receive extensive training on their company’s products which can be an advantage. Some people will only purchase coverage from captives partially due to high brand loyalty and the convenience of having a single billing for all their coverages.

Listed below are captive insurance agencies in Greeley that can give you comparison quotes.

  • Colorado Farm Bureau Insurance – 2525 W 16th St # D – Greeley, CO 80634 – (970) 353-8000
  • Shelter Insurance – 2005 9th St # 1 – Greeley, CO 80631 – (970) 356-8282
  • State Farm Insurance – 3527 W 12th St # C – Greeley, CO 80634 – (970) 356-8502
  • American Family Insurance – 2308 W 29th St # 102 – Greeley, CO 80631 – (970) 330-7240
  • Farmers Insurance Group – 1714 Topaz Dr # 135 – Greeley, CO 80631 – (970) 405-9311
  • Allstate Insurance – 1630 25th Ave # K – Greeley, CO 80634 – (970) 356-6620
Independent Agents (or Brokers)

Independent insurance agents do not work for one specific company but instead can place your coverage with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies. When shopping rates, we recommend you include price quotes from multiple independent agents for the best price selection. They often place coverage with smaller regional carriers which may provide better rates.

The following are Greeley independent agents that are able to give price quotes.

  • Flood and Peterson Insurance Inc – 4687 W 18th St – Greeley, CO 80634 – (970) 356-0123
  • Klausner Insurance Inc – 6310 W 10th St # 9 – Greeley, CO 80634 – (970) 378-4818
  • Scott Bicknell Agency – 5586 W 19th St # 150 – Greeley, CO 80634 – (970) 330-8887
  • Bode Agency – 710 11th Ave # 215 – Greeley, CO 80631 – (970) 356-4990
  • Hi Country Agency Inc – 1335 8th Ave – Greeley, CO 80631 – (970) 353-2199

To view a full list of Greeley insurance agents, simply jump to this page.

After getting satisfactory answers to all your questions and an acceptable price quote, you’ve probably found an insurance agency that meets your needs to properly service your auto insurance policy.

But what about buying insurance online?

Licensed agents serve a purpose, but you also have the option of buying direct online. Some specific companies, such as State Farm, Allstate and Farmers, who have local Greeley agents also give you the option to buy direct on their websites, so that should be considered if you prefer to buy online.

If you’re apprehensive about not getting proper coverage when buying direct, this is expected but don’t let that bother you. Companies that allow you to purchase coverage provide customer service for getting advice on proper coverages. They also make available live help and an extensive research center to clarify any questions you may have.

When shopping for low rates, the only way to find out if agents have better prices than online companies is to get free quotes from both and compare them. It’s not unheard of to actually get different prices returned by the same company when they get quotes from both. But you won’t know which method provides the best price unless you get rate quotes from both.

Does buying online save money? The answer is complex because there are a lot of things that influence your rates. It would make sense to think that a customer who purchases direcly from an online company saves money because there is no agent involvement. But the reality is online and traditional media advertising are expensive and this drives up their premium costs.

Learn more today

More tips and info about auto insurance is available at the Colorado DORA Division of Insurance website. Consumers can file complaints about an insurance agent or broker, file complaints about a company, and learn about insurance regulations.

The articles below may also help you learn more about auto insurance in Greeley

A tidy conclusion

As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced collision coverage only to regret that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Car insurance in Colorado

Insureds switch companies for a number of reasons such as not issuing a premium refund, policy cancellation, lack of trust in their agent and even delays in responding to claim requests. Whatever your reason, finding a new auto insurance company is pretty easy and you might even save some money in the process.