To find a good insurance agent in Montgomery, AL, you can start your search by comparing prices online instead of making phone calls. You need a friendly agent, but also the best possible rates.
You have multiple car insurance agents to pick from, and even though it’s nice to have multiple companies, so many choices can make it hard to find the lowest cost provider.
Comparing rates from local agents
Agents can help determine the best coverages and help you file claims. One of the great benefits of comparing rates online is the fact that you can find the lowest rates but also keep your business local.
To help locate an agent, after submitting this short form, your insurance data is sent to local insurance agents who will compete for your coverage. You never need to visit any agencies due to the fact that quote results will go to your email. Now that’s easy! It’s the lowest rates and work with a local agent.
Picking an insurance agency requires more thought than just the price. These are valid questions to ask:
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- What will you get paid if your car is a total loss? How is that amount determined?
- How long has their agency been in business in Montgomery?
- Are you getting all the discounts the company offers?
- Do the coverages you’re quoting properly cover your vehicle?
Two types of insurance agencies
If you’re trying to find a good Montgomery insurance agent, you need to know there are two different agency structures from which to choose. Agents are categorized either independent (non-captive) or captive.
Captive Insurance Agents
These agents are contracted to one company like American Family, Liberty Mutual and AAA. They generally cannot provide prices from multiple companies so they have no alternatives for high prices. Captives are well schooled in insurance sales which can be an advantage.
Below are Montgomery captive agents who may provide you with price quote information.
Farmers Insurance Group – 1749 Platt Pl – Montgomery, AL 36117 – (334) 271-5545
State Farm Insurance – 2101 Eastern Blvd # 420 – Montgomery, AL 36117 – (334) 277-6655
Allstate Insurance – 3614 Debby Dr – Montgomery, AL 36111 – (334) 288-7095
Farm Bureau Insurance – 2571 Bell Rd – Montgomery, AL 36117 – (334) 270-8585
Liberty Mutual – 2367 Central Pkwy – Montgomery, AL 36106 – (334) 213-0651
Independent Agencies or Brokers
Independent agents are not employed by any specific company but instead can place your coverage with many different companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier and you won’t have to switch agencies. When comparing rates, you should always get quotes from at least one independent agent to get the best comparison.
Shown below is a short list of independent insurance agencies in Montgomery who can help you get comparison quotes.
Frederick Agency – 624 S Perry St – Montgomery, AL 36104 – (334) 834-6011
Ralph Mims Insurance – 1256 Perry Hill Rd – Montgomery, AL 36109 – (334) 265-9291
Starke Agency Inc – 210 Commerce St # 1 – Montgomery, AL 36104 – (334) 263-5535
Jordan-Morgan Agency – 2506 Brewton St – Montgomery, AL 36107 – (334) 265-8588
Farm Bureau Insurance – 2571 Bell Rd – Montgomery, AL 36117 – (334) 270-8585
To view a complete directory of Montgomery insurance agents, go to this page.
Upon getting positive feedback to your questions and a good coverage price, you’ve probably found a car insurance agent that is a good match to properly service your auto insurance policy.
Online companies can help you save
Insurance agencies are perfect for certain consumers, but Alabama drivers can also buy direct online. Certain companies like State Farm and Allstate who sell through the agent channel also allow you to get quotes and purchase online. This is something to consider if you prefer to buy online.
If you’re uncomfortable with selecting your own policy coverages when buying online, don’t sweat it. Car insurance companies provide phone numbers and online resources that you can contact for information. Many online companies also provide 24/7 live help and a car insurance FAQ section so you can feel comfortable buying online.
Is car insurance cheaper online? It’s difficult to say for sure because there are many components that influence the price you pay. It’s logical to say that buying direct cuts out the agent as a middleman. In reality, it’s expensive to advertise and this drives up their premium costs.
If you’re trying to save the most money, the best approach to discovering if the cheapest policy comes from an agent or online is comparing prices for both of them. You could possible even receive different price quotes from insurance agents and online quoting for the same auto insurance company.
More Alabama auto insurance resources
Additional detailed information is located at the Alabama Department of Insurance website. Consumers can learn about insurance regulations, read enforcement actions against agents and companies, get help finding coverage, and find disaster information.
In conclusion
When you buy insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced collision coverage only to regret at claim time that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.
Consumers change insurance companies for many reasons like not issuing a premium refund, unfair underwriting practices, policy non-renewal or high rates after DUI convictions. Whatever your reason, switching auto insurance companies can be easy and end up saving you some money.
