Useful Tips for Searching Online for an Evansville, IN Insurance Agent

When finding a good insurance agent in Evansville, Indiana, you can always start your research using online quotes to save time. It’s highly likely you’re looking for a good agent that listens to you, but you also need great rates as well.

With insurance companies like independent agents, Allstate and State Farm having offices in Evansville, it’s difficult to determine which will have the cheapest rates and the best coverage. Fortunately, consumers can use online quoting to get a list of agencies to choose from.

How to find Evansville insurance agents online

Educated insurance agents can help determine the best coverages and help in the event of a claim. The biggest benefit of comparing insurance prices online is you can get the best rates and still have an agent to talk to. And providing support for local businesses is definitely important in Evansville.

After completing this short form, your insurance data is instantly submitted to companies in Evansville who will compete for your insurance coverage. You won’t need to visit any agencies since price quotes are sent directly to your email. How cool is that?!

Captive agents vs. Independent agents

When searching for a local agent, there are two types of insurance agents that you can select. Evansville agents are classified as either captive or independent (non-captive). Both do a good job, but it’s worth learning the difference between them because it can impact the selection process.

Independent Agencies or Brokers

These agents are not required to write business for one company so they can insure your vehicles with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, your agent can switch companies without you having to go to a different agency. When shopping rates, it’s a good idea to get quotes from at least one independent agent for maximum quote selection.

Listed below is a short list of independent insurance agents in Evansville that can give you competitive price quotes.

James Shannon Insurance – 4445 Commerce St # 107 – Evansville, IN 47710 – (812) 437-4000
Ron Higgs Agency – 4837 University Dr – Evansville, IN 47712 – (812) 423-5491
Rick Vanhoose Agency – 5130 Vogel Rd # 201 – Evansville, IN 47715 – (812) 473-2090
Michael D Di Legge Insurance – 901 N Main St – Evansville, IN 47711 – (812) 424-4001
Roe-Tanoos Agency – 3101 N Green River Rd # 310 – Evansville, IN 47715 – (812) 479-1034

Agency Captives

Captive agencies can only place business with one company like AAA, Allstate and State Farm. These agents are not able to shop your coverage around so they have no alternatives for high prices. Captives are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums.

Listed below are captive insurance agencies in Evansville that can give you price quote information.

Farm Bureau Insurance – 445 Cross Pointe Blvd # 120 – Evansville, IN 47715 – (812) 479-9902
State Farm Insurance – 4533 1st Ave – Evansville, IN 47710 – (812) 428-0673
American Family Insurance – 4816 W Lloyd Expy # B – Evansville, IN 47712 – (812) 464-5500
Farmers Insurance Group – 2621 Stringtown Rd # 4 – Evansville, IN 47711 – (812) 477-0542
Allstate Insurance – 4112 S Villa Dr – Evansville, IN 47715 – (812) 477-5599
Shelter Insurance Co – 2309 N Kentucky Ave # A – Evansville, IN 47711 – (812) 428-0300
Liberty Mutual Insurance – 4424 Vogel Rd # 403 – Evansville, IN 47715 – (812) 473-3214

To view a complete directory of captive agencies in Evansville, go to this page.

Choosing an insurance agent requires more thought than just the premium amount. These are valid questions to ask:

  • Is the agent and/or agency licensed to do business in Indiana?
  • How are they compensated?
  • If you are a high risk driver, do they have special markets for your coverage?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Which members of your family are coverage by the policy?
  • What insurance companies do they recommend if they are an independent agent?
  • Which company do they place the most coverage with?

Once you have good answers to your questions and a good coverage price, most likely you have located an insurance agency that can insure your vehicles.

Can I save by buying direct online?

Local insurance agents are indespensible for some people, but Indiana drivers can also buy direct over the internet. Even companies who employ agents also let you buy direct online, so this should also be taken into consideration as an alternative to contacting agents.

If you’re worried about choosing your own coverages, don’t sweat it. Online insurance companies give you access to trained agents to answer any questions you may have. You can also use a frequently asked questions page to help you make a buying decision.

Does it save money buying online? The answer to that question is complicated since there are so many factors that can increase policy rates. You may think that a consumer who buys direct prevents the agent from taking a cut. But truthfully, getting their brand in front of customers is expensive and that impacts the rates consumers pay.

The only method to determine who has the best deal, local agents or online insurance companies, is to set aside time to compare rates from both. Lots of times people will get different prices from the same insurance company depending on if you quote online or with their agents.

More quotes mean more savings

People switch companies for a variety of reasons including denial of a claim, delays in responding to claim requests, an unsatisfactory settlement offer and even lack of trust in their agent. No matter why you want to switch, switching auto insurance companies is actually quite simple.

Find Evansville IN insurance agent

When shopping online for auto insurance, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits and learned later that the savings was not a smart move. Your goal should be to get the best coverage possible at the best price while not skimping on critical coverages.

Much more information about auto insurance in Indiana is located on the website for the Indiana Department of Insurance located here. Indiana consumers can file complaints about a company, learn about insurance regulations, view agent and company licensing information, and find disaster information.

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