Top Tips to Find an Insurance Agent in Kenosha Wisconsin

When buying auto insurance in Kenosha, you have many choices and picking a good Wisconsin car insurance agent is not as easy as just making a phone call. Chances are you’re not only searching for a professional licensed agent, but you also want to find the best rates possible.

With companies like State Farm, Allstate and Farmers Insurance having local Kenosha offices, it’s hard to tell which one will provide you with the best rates, service and coverage. To help decide, it’s easy to use insurance quotes online to get a list of insurance agencies and price estimates.

Will just any policy work for me?

When it comes to choosing proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions might point out whether your personal situation might need professional guidance.

  • Why is insurance for a teen driver so high in Kenosha?
  • How many claims can I have before being cancelled?
  • Does liability extend to a camper or trailer?
  • Do I need medical payments coverage since I have good health insurance?
  • What if I don’t agree with a claim settlement offer?
  • Do I need to file an SR-22 for a DUI in Wisconsin?
  • Is my babysitter covered when using my vehicle?
  • How much underlying liability do I need for an umbrella policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent.

How to buy auto insurance from an agent in Kenosha

Insurance agents are trained to spot inefficiencies and help submit paperwork. The biggest benefit of comparing insurance prices online is the fact that you can find better rates but also keep your business local. Buying from local insurance agencies is important particularly in Kenosha.

For easy comparison, once you complete this quick form, your coverage information gets sent to participating agents in Kenosha who will compete for your coverage. You never need to leave your house due to the fact that quote results will go immediately to your email address. It doesn’t get any easier! Get lower rates AND an agent nearby.

Types of insurance agents in Kenosha

If you’re trying to find a good Kenosha insurance agent, there are a couple of different agency structures that differ in how they can insure your vehicles. Kenosha agents are classified as either captive or independent (non-captive).

Independent Agents

Independent agents are not required to write business for one company so they can insure your vehicles with many different companies and potentially find a lower price. If your agent finds better pricing, the business is moved internally without you having to go to a different agency.

When searching for an agent, you should always contact at least one independent agent to ensure the widest selection of prices.

Listed below is a short list of independent agencies in Kenosha that are able to give comparison quotes.

Vern Kotten Agency – 5401 60th St – Kenosha, WI 53144 – (262) 654-1212
Leonard Agency – 618 55th St # 3 – Kenosha, WI 53140 – (262) 654-1633
Donna M Anderson Insurance – 6040 39th Ave # 1 – Kenosha, WI 53142 – (262) 652-4053
Horace Mann Insurance Co – – Kenosha, WI 53144 – (262) 553-1927
Valeri Agency Inc – 3416 Roosevelt Rd – Kenosha, WI 53142 – (262) 654-0221

Agency Captives

These agents work for only one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. Captives cannot place coverage with different providers so they have to upsell other benefits. They are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.

The following is a list of captive agencies in Kenosha who can help you get price quotes.

Allstate Insurance – 6201 75th St – Kenosha, WI 53142 – (262) 694-0754
Farmers Insurance Group – 2525 63rd St – Kenosha, WI 53143 – (262) 925-9947
State Farm Insurance – 2622 30th Ave – Kenosha, WI 53144 – (262) 551-7047
American Family Insurance – 5612 7th Ave – Kenosha, WI 53140 – (262) 654-1006

For a complete listing of auto insurance agents in Kenosha, visit this site.

Choosing a car insurance agent requires more thought than just the premium amount. Some important questions to ask are:

  • Can they provide you with a list of referrals?
  • Is their price quote a firm figure or are their hidden costs?
  • Are they full-time agents?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Which insurance companies are they affiliated with?
  • Are they properly licensed to sell insurance in Wisconsin?

After receiving positive responses for all questions you ask and locked in a price quote, chances are good that you have found an auto insurance agent that can properly service your auto insurance policy.

Alternatives to buying from an agent

Professional insurance agents are indespensible for some people, but you also have the option of buying Wisconsin car insurance from companies direct over the internet. Some companies who have local agents in Kenosha also give you the ability to quote and buy online. This is something to consider if finding the best price is important.

If you’re anxious about not receiving proper advice when shopping online, that shouldn’t be an issue. Auto insurance companies have customer service departments to help you decide which coverages are appropriate. You can also use online help and live chat to clarify any questions you may have.

Do online companies provide lower prices? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there are many things that influence your rates. It’s logical to say that buying directly from the company saves money because there is no commission. In many cases, advertising budgets are huge and this drives up their premium costs.

Additional information is available on the website for the Wisconsin Office of the Commissioner of Insurance located here. Consumers can read enforcement actions against agents and companies, file complaints about a company, and find out which companies have the most complaints.

Kenosha car insurance agents

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In conclusion

As you go through the steps to switch your coverage, never reduce needed coverages to save money. In too many instances, someone dropped physical damage coverage to discover at claim time that they should have had better coverage. Your strategy should be to find the BEST coverage at the best price while not skimping on critical coverages.

Low-cost auto insurance can be found both online in addition to many Kenosha insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not provide you the ability to get quotes online and these small insurance companies work with independent agents.