Top Tips to Find the Best Insurance Agent in Olathe

To find a good Olathe agent, it’s recommended you do the preliminary legwork using online quotes rather than looking in the yellowpages. You need a friendly agent, but also cheap rates.

Companies like State Farm, Allstate, GEICO and Progressive promote their brand names with fancy advertisements and it can be hard to see past the geckos and flying pigs and take the time to shop coverage around.

Don’t assume everyone needs the same coverage

When it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that can help discover whether you may require specific advice.

• Should I buy more coverage than the required Kansas minimum liability coverage?
• Do I pay less if my vehicle is kept in my garage?
• Are split liability limits better than a combined single limit?
• If my vehicle is totaled, can I afford another vehicle?
• Do no-fault laws apply in Kansas?
• When would I need rental car insurance?
• What is the difference between comprehensive and collision coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent.

Online quotes with a local Olathe insurance agent

Good agents are trained to spot inefficiencies and give you peace of mind. The best thing about comparing insurance prices online is that you can obtain the lowest rates and still have an agent to talk to.

By using this simple form, the coverage information is emailed to companies in Olathe who will compete for your insurance coverage. There is no need to even leave your home since price quotes are sent to the email address you provide. Now that’s easy! Get lower rates and work with a local agent.

Choosing an insurance agent shouldn’t rely on just the premium amount. Agents should be asked these questions:

• Is working in the agency their full-time job?
• Can they give you a list of client referrals?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Who are their largest clients?
• Which members of your family are coverage by the policy?
• Can glass repairs be made at your home?
• Do the companies they represent have a solid financial rating?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?

Captive and independent Olathe insurance agents

When finding an insurance agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Olathe agents are either captive or independent.

Captive Insurance Agents

This type of agents have only one company to place business with such as Liberty Mutual, State Farm, Allstate and AAA. They are unable to provide prices from multiple companies so they have no alternatives for high prices. Captive agents are very knowledgeable on their products and sales techniques and that can be a competitive advantage.

The following are captive agencies in Olathe willing to provide rate quotes.

American Family Insurance – 601 N Mur Len Rd # 5 – Olathe, KS 66062 – (913) 829-4240
Shelter Insurance – 803 S Clairborne Rd – Olathe, KS 66062 – (913) 782-1803
Allstate Insurance – 12755 S Mur Len Rd # B8 – Olathe, KS 66062 – (913) 764-1590
Farmers Insurance Group – 1254 N Prince Edward Is – Olathe, KS 66061 – (913) 768-0269
State Farm Insurance – 2099 E 151st St # 100 – Olathe, KS 66062 – (913) 782-3289
Farm Bureau Insurance – 13839 S Mur Len Rd # D – Olathe, KS 66062 – (913) 829-5700

Independent Agents

Independent agents are not locked into one company but rather can write business with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies. When searching for an agent, it’s a good idea to get quotes from at a minimum one independent agency to have the most options to choose from.

Shown below are Olathe independent agencies who can help you get price quotes.

Waltrip Agency – 600 E Santa Fe St – Olathe, KS 66061 – (913) 782-0101
New Century Insurance – 533 N Mur Len Rd # A – Olathe, KS 66062 – (913) 393-3447
Jeff Harville Agency Inc – 12013 S Strang Line Rd – Olathe, KS 66062 – (913) 829-7007
Brenda Nicoski Agency – 300 S Clairborne Rd # A – Olathe, KS 66062 – (913) 829-6888
Association Insurance Svc Inc – 12877 W 151st St – Olathe, KS 66062 – (913) 397-9400

To view a full list of licensed insurance agents in Olathe, please view this page.

Upon getting good answers as well as a affordable price, you’ve probably found an auto insurance agent that will adequately provide car insurance.

Isn’t it cheaper to buy direct online?

Auto insurance agents are indespensible for some people, but Kansas drivers can also buy direct online. A few companies like Allstate and State Farm who have local Olathe agents also give you the ability to get quotes and purchase online, and that is helpful as an alternative to contacting agents.

If you’re apprehensive about having to choose coverages yourself when buying direct, don’t sweat it. All companies provide options for getting questions answered. You can also use online education and live help anytime you can access prior to buying.

Will buying online save you money? Many people swear by it, but it’s difficult to answer since there are so many factors that can increase policy rates. It’s logical to say that buying online cuts out the agent as a middleman. For the majority of companies, however, the cost of constant advertising is expensive so there may not be significant savings.

The best way to determine where you can get the lowest rate, either online or from agents, is comparing rate quotes from both. It’s possible to get different rates when comparing agent prices to online quotes for the exact same company.

More resources for learning

More tips and info about car insurance can be read at the Kansas Insurance Department website. Kansas drivers can learn about specific coverages, find a variety of consumer forms, and find disaster information.

Also read more on Auto Insurance 101 and this page where you can research Olathe insurance agents.

Final thoughts

Drivers leave their current company for many reasons like high rates after DUI convictions, delays in responding to claim requests, unfair underwriting practices and lack of trust in their agent. It doesn’t matter what your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

When you buy insurance online, you should never sacrifice coverage to reduce premiums. In many cases, an accident victim reduced liability limits or collision coverage only to regret that it was a big mistake. The proper strategy is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.