Online Rate Quotes for Madison, WI Car Insurance Agents

Finding good car insurance in Madison can be challenging since picking a good Wisconsin insurance agent takes more work than just making a phone call. For the sake of this article, we’ll assume you’re wanting a professional licensed agent, but you also want to find the best rates possible.

With companies like Farmers, Allstate, and independent agents all competing for business in Madison, it can be hard to know which one will have the lowest rates and best service. To help decide, consumers can use online quoting to assemble a group of insurance agents and price estimates.

Local Madison car insurance agents

Good agents can point out coverage gaps and help you file claims. One of the best bonuses of getting online price quotes is you can get lower rates and still have an agent to talk to. And providing support for local businesses is especially important in Madison.

To make it easy to find an agent, after completing this form (opens in new window), the coverage information is transmitted to local insurance agents in Madison who will battle to get your business. There is no reason to drive around because quoted prices will be sent to your email. Now that’s easy!

Car insurance agents in Madison come in two varieties

When researching a reliable agent, there are a couple of different agency structures to choose from. Agents are categorized either captive or independent. Both types can insure your vehicles, but it’s worth learning the differences because it can influence buying decisions.

Independent Agencies or Brokers

Independent agents do not work for one specific company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part.

When shopping rates, we recommend you contact at least one independent agent to ensure the widest selection of prices.

Listed below are independent insurance agents in Madison who can help you get comparison quotes.

Olson Insurance – 2702 Monroe St – Madison, WI 53711 – (608) 233-9166
WRC Agency Inc – 2810 City View Dr – Madison, WI 53718 – (608) 242-4519
Dave Gervasi Agency – 7818 Big Sky Dr – Madison, WI 53719 – (608) 827-6994
Wisconsin Mutual Insurance Co – 8201 Excelsior Dr – Madison, WI 53717 – (608) 836-4663
Jeff Swalve Agency – 3511 E Washington Ave – Madison, WI 53704 – (608) 241-8688

Captive Agents

These agents write business for a single company such as Liberty Mutual, State Farm, Allstate and AAA. They are unable to shop your coverage around so they have no alternatives for high prices. They are trained well on the products they sell which can be an advantage.

The following is a list of captive agencies in Madison willing to provide price quote information.

Allstate Insurance – 4210 E Washington Ave – Madison, WI 53704 – (608) 249-6900
Farmers Insurance Group – 6314 Odana Rd # 1 – Madison, WI 53719 – (608) 274-3366
State Farm Insurance – 515 Junction Rd # 2400 – Madison, WI 53717 – (608) 662-9900
Liberty Mutual Insurance – 258 Corporate Dr # 211 – Madison, WI 53714 – (608) 242-5665
American Family Insurance – 324 Junction Rd – Madison, WI 53717 – (608) 662-7600

For a full directory of Madison captive insurance agencies, simply jump to this page.

Picking a car insurance agent should depend on more than just a low price. Ask your prospective agent these questions:

  • Do they regularly work with personal auto policies?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Which insurance companies are they affiliated with?
  • Do they carry Errors and Omissions coverage?
  • How are they compensated?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • If you are a high risk driver, do they have special markets for your coverage?

After getting positive feedback to your questions as well as a affordable price, you’ve probably found an auto insurance agent that will provide car insurance coverage.

Include online companies when price shopping

Auto insurance agents are a valuable resource, but you also have the option of buying Wisconsin car insurance from companies direct over the internet. Certain auto insurance companies that are more known for using agents, also give you the option to buy direct on their websites. This is something to consider as an alternative to contacting agents.

If you’re uneasy about not receiving proper advice when buying direct, this really isn’t an issue. Insurance companies that require consumers to choose their own coverages provide toll-free numbers for getting advice on proper coverages.

Does buying online save money? It’s hard to say exactly since there are so many factors that are calculated into your premium. Many people think that shopping online for auto insurance saves money because there is no commission. But that assumption is generally incorrect because advertising budgets are huge and that impacts the rates consumers pay.

When shopping for low rates, the only way to find out who has the best deal, local agents or online insurance companies, is to get price quotes for both. It’s even possible to receive different pricing for the same auto insurance company if you compare an online quote to agent rates.

For more reading

Much more information about car insurance in Wisconsin is available on the website for the Wisconsin Office of the Commissioner of Insurance through this link. Wisconsin drivers can find disaster information, find a variety of consumer forms, get help finding coverage, and discover disciplinary actions.

Madison WI insurance banner

The following information may also be useful.

Shop smart and save

People leave their current company for a number of reasons such as not issuing a premium refund, extreme rates for teen drivers, high prices or delays in paying claims. No matter why you want to switch, finding a new car insurance company can be easier than you think.

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. In too many instances, an insured cut liability coverage limits only to discover later that it was a big error on their part. The ultimate goal is to purchase plenty of coverage for the lowest price while still protecting your assets.