If you’re looking for a licensed insurance agent in La Crosse, it’s recommended you do the preliminary legwork using online quotes to save time. We’re assuming you require not only a friendly agent, but you also want the lowest possible price.
With companies like State Farm, Allstate, Farmers and independent agents having offices in La Crosse, consumers have a hard time knowing which provider will provide you with the cheapest rates and the best coverage. Thankfully, you can use insurance quotes online to assemble a group of agencies and thier coverage prices.
Quote online, buy local
Agents can answer important questions and help submit paperwork. The best thing about comparing insurance prices online is the fact that you can find better rates and still have an agent to talk to. And supporting small agencies is important particularly in La Crosse.
To make it easy to find an agent, after completing this quick form, the coverage information is sent to insurance agents in La Crosse who will return price quotes for your insurance coverage. You don’t have to drive around since price quotes are sent directly to your email. It doesn’t get any easier!
The type of car insurance agent you choose is important
When looking for a good insurance agency, there are two types of insurance agents to choose from. Insurance agencies in La Crosse can either be captive or independent. Either one can insure your vehicles, but it’s worth mentioning the difference between them since it may influence the selection process.
Independent Agents
These agents are not required to write business for one company so they have the ability to put coverage amongst many companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part.
When shopping rates, we recommend you include price quotes from at a minimum one independent agency for maximum quote selection.
The following are La Crosse independent agents willing to provide price quote information.
James C Tracy Insurance Inc – 3628 East Ave S # 108 – La Crosse, WI 54601 – (608) 787-1000
Stanley Mc Donald Agency Inc – 2018 State Rd – La Crosse, WI 54601 – (608) 788-6160
Mutual Of Omaha Insurance Co – 505 King St # 124 – La Crosse, WI 54601 – (608) 782-5293
Irv Hougom Agency – 105 7th St S – La Crosse, WI 54601 – (608) 784-9004
Anderson Agency Inc – 1609 Caroline St – La Crosse, WI 54603 – (608) 785-0689
Captive Insurance Agents
These agents can only write with one company such as Allstate, AAA, Liberty Mutual and State Farm. They are unable to compare other company’s rates so they have to upsell other benefits. These agents are trained well on the products they sell and that can be a competitive advantage.
Listed below are captive agencies in La Crosse that can give you rate quotes.
American Family Insurance – 2519 South Ave – La Crosse, WI 54601 – (608) 787-1820
State Farm Insurance – 111 2nd St S – La Crosse, WI 54601 – (608) 784-9518
To view a complete directory of captive agencies in La Crosse, visit this site.
Selecting an auto insurance agent should depend on more than just a cheap price. Some important questions to ask are:
- Are claims handled at the agent’s location?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do the coverages you’re quoting properly cover your vehicle?
- How much can you save by raising your physical damage deductibles?
- Will your rates increase after a single accident?
- Are they able to influence company decisions when a claim is filed?
- Is their price quote a firm figure or are their hidden costs?
Upon receiving positive responses to all your questions and an affordable coverage quote, you have narrowed it down to an auto insurance agent that can insure your vehicles.
Can I save by cutting out the agent?
Insurance agents are perfect for certain consumers, but Wisconsin consumers also have the option to buy from online companies direct. A few companies like Allstate and State Farm who employ agents also allow consumers to buy direct online, so that should be considered if the lowest rate is your goal.
If you’re uneasy about not having professional advice when buying car insurance direct, that shouldn’t be an issue. Companies give you access to trained agents for answering any questions you have.
Do people save by buying online? That is a tough question to answer because of the number of factors that can increase policy rates. Some people think that buying car insurance online saves money because there is no agent involvement. In many cases, there are very high advertising costs and that can cost more than having to pay agents.
A tidy conclusion
The cheapest auto insurance is possible online in addition to many La Crosse insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not provide online quoting and most of the time these smaller companies sell through independent agents.
Consumers change insurance companies for a variety of reasons including denial of a claim, policy non-renewal, delays in responding to claim requests and not issuing a premium refund. No matter why you want to switch, choosing a new company is not as hard as you think.
Additional auto insurance information can be read on the website for the Wisconsin Office of the Commissioner of Insurance through this link. Consumers can find out which companies have the most complaints, find out industry alerts, and learn about specific coverages.
Other useful links include this page for auto insurance prices in Wisconsin and this link where you can get more info about La Crosse coverage.
