Get Car Insurance Comparison Quotes From Memphis, TN Insurance Agents

If you’re looking to buy car insurance, you have many choices and finding the best Tennessee car insurance agent is more difficult than just using the same insurance agent as your neighbor. You require a great agent that can assess your needs, and also decent rates too.

Drivers have so many insurance agents to buy insurance from, and although it’s a good thing to have multiple companies, lots of choices makes it harder to locate the cheapest rates.

Buying car insurance locally

Educated insurance agents can answer important questions and give you someone to call. The best thing about price shopping on the web is you can get the lowest rates and still have an agent to talk to.

Upon completion of this short form, the coverage information is transmitted to insurance agents in Memphis who will return price quotes for your business. You don’t have to drive around because quoted prices will be sent straight to your inbox. It doesn’t get any easier! It’s the lowest rates and a licensed agent to work with.

Deciding on an insurance agent shouldn’t rely on just the price. Here are some questions to ask:

• Is vehicle mileage a factor when determining depreciation for repairs?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• Is vehicle damage repaired with OEM or aftermarket parts?
• What insurance companies do they recommend if they are an independent agent?
• Which company do they place the most coverage with?
• Do they specialize in personal lines coverage?

The type of insurance agency you choose is important

When researching a good insurance agency, there are two types of insurance agents to choose from. Insurance agencies in Memphis are classified as either captive or independent (non-captive).

Captive Agents

Captive agencies can only write with one company such as Allstate, State Farm and Farmers Insurance. They are unable to provide prices from multiple companies so always compare other rates. They are usually quite knowledgeable on the products they sell which can be an advantage.

Shown below are captive insurance agents in Memphis who may provide you with rate quotes.

Allstate Insurance – 4646 Poplar Ave # 237 – Memphis, TN 38117 – (901) 761-2783
Farmers Insurance Group – 3606 Austin Peay Hwy # 104 – Memphis, TN 38128 – (901) 377-9500
State Farm Insurance – 1355 Lynnfield Rd # 110 – Memphis, TN 38119 – (901) 767-9446
Liberty Mutual Group Personal – 2758 Bartlett Blvd – Memphis, TN 38134 – (901) 385-1081
Shelter Insurance – 3205 Kirby Whitten Rd # 103a – Memphis, TN 38134 – (901) 388-4010

Independent Agents (or Brokers)

These agents do not work for one specific 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, an independent agent can move your coverage and you won’t have to switch agencies. When comparing rates, you should always get quotes from at least one independent agent for the best price selection.

Below is a short list of independent insurance agencies in Memphis that can give you comparison quotes.

Standard Insurance Co – 1355 Lynnfield Rd # 221 – Memphis, TN 38119 – (901) 818-6868
Kevin Howard Agency – 1440 E Shelby Dr # 2 – Memphis, TN 38116 – (901) 767-0030
Barker-Mc Millian Agency – 6099 Mount Moriah Road Ext – Memphis, TN 38115 – (901) 794-8838
Crump Insurance Svc – 1000 Ridgeway Loop Rd # 4 – Memphis, TN 38120 – (901) 761-1770
Associated Agency – 5050 Poplar Ave # 300 – Memphis, TN 38157 – (901) 682-3301

For a complete listing of insurance agents in Memphis, simply jump to this page.

Upon receiving answers to your satisfaction and locked in a price quote, you’ve probably found an insurance agent that can provide car insurance coverage.

Isn’t it cheaper to buy from online companies like GEICO?

Insurance agents can be invaluable at times, but you can also find affordable Tennessee auto insurance from companies direct over the internet. Some car insurance companies like Allstate and State Farm that are more known for using agents, also permit you to buy a policy online, and that can save time to possibly find a better rate.

If you’re uneasy about not receiving proper advice, that should not be a issue. Insurance companies that require consumers to choose their own coverages give you access to trained agents for getting advice on proper coverages.

Can you find lower rates online? Many people think so, but it’s hard to say for sure due to the fact that there are multiple individual factors that impact your rate calculation. Many people think that going direct saves the commission normally paid to an agent. But in reality, marketing their products costs a lot of money so the rates may be similar to buying from an agent.

Buy online or local, you save

Insureds switch companies for a number of reasons such as an unsatisfactory settlement offer, poor customer service, being labeled a high risk driver and even denial of a claim. Whatever your reason, finding a great new company is easier than you think.

Affordable car insurance can be bought both online and with local Memphis insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some car insurance companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

For more Tennessee car insurance information

More detailed Tennessee car insurance information can be found at the Tennessee Department of Commerce and Insurance website. Tennessee drivers can find a variety of consumer forms, get help finding coverage, read enforcement actions against agents and companies, and find out which companies have the most complaints.

Additional helpful sites include BankRate.com’s Car Insurance: When not to Skimp and see this list of insurance agents in Memphis.