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Buying Auto Insurance Saint Joseph MO

Some insurance companies use only one of these methods of selling to customers, others may use a combination of methods. Let's look at the advantages and disadvantages of each.

Schilling- Robert T
(816) 279-2795
1602 Frederick Ave
Saint Joseph, MO
 
American Family Insurance
(816) 233-9590
1109 South Belt Highway
Saint Joseph, MO
 
American Family Insurance CO
(816) 232-0723
4802 Mitchell Avenue
Saint Joseph, MO
 
Pierpoint- Greg - State Farm Insurance Agent
(816) 364-6282
3120 Karnes Road Ste J
Saint Joseph, MO
 
Chavez- Jeanne M - State Farm Insurance Agent
(816) 279-4224
4734 Frederick Avenue
Saint Joseph, MO
 
Allstate Insurance Companies
(816) 279-2440
1109 South Belt Highway
Saint Joseph, MO
 
Allstate Insurance - Mark Kellison Crabill
(816) 232-9111
2210 S Belt #c
Saint Joseph, MO
 
Dark- Joseph E
(816) 232-5307
3510 Messanie St Ste F
Saint Joseph, MO
 
Holmes- Linda K - State Farm Insurance Agent
(816) 233-0040
2407 North Woodbine Road Ste D
Saint Joseph, MO
 
McAtee- Emily K - State Farm Insurance Agent
(816) 364-5959
2921 North Belt Highway
Saint Joseph, MO
 

Buying Auto Insurance

You can buy car insurance in different ways, from a variety of sources, depending on the insurance company. Does it make a difference how or where you buy? It might. Let's take a look.

There are essentially four ways to purchase auto insurance. They are:

  • From an agent (employed representative) of an insurance company
  • From an independent agent
  • From an online broker
  • Directly from an insurance company

Some insurance companies use only one of these methods of selling to customers, others may use a combination of methods. Let's look at the advantages and disadvantages of each.

From an insurance company agent
Some national or regional auto insurance companies employ agents who are commissioned sales and support people, and who work directly for the insurance company from small offices located around the country. Allstate, State Farm, and Farmers are examples of companies who work this way. Some people feel that there are benefits to being able to talk to a familiar voice regarding policy questions, billing concerns, renewals, and claim advice. Good agents will even call customers about new discounts or program options that offer cost savings. Just be aware that agents don't administer claims.

From an independent agent
This type of agent is an independent business person or company, often called a broker or agency, that represents a number of different insurance companies. This is most common way that auto insurance, and o...

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