If you’re trying to find a good insurance agent in Lawrenceville, Georgia, you can always do an initial search on the web rather than looking in the yellowpages. For this article’s sake, it’s assumed you not only want an excellent agent, but you also need the lowest possible price.
With companies like independent agents, Allstate and State Farm having local Lawrenceville offices, it’s difficult to determine which one will have the cheapest rates and the best coverage. Fortunately, consumers can get online quoting in order to build a list of insurance agencies and price estimates.
Quote online but work with a neighborhood agent
Insurance agents are trained to spot inefficiencies and help file insurance claims. The best thing about comparing rates online is that you can obtain lower rates but also keep your business local. Supporting local businesses is important particularly in Lawrenceville.
For easy comparison, once you complete this simple form, your insurance coverage information is transmitted to participating agents in Lawrenceville who will return price quotes to get your business. You won’t need to leave your house as quotes are delivered directly to your email. How cool is that?!
Multiple types of insurance agencies in Lawrenceville
When finding a good Lawrenceville insurance agent, you need to know there are two different types of agents from which to choose. Agents are categorized either captive or independent (non-captive). While both can do a good job, but it’s worth learning how they differ since it may influence the type of agent you choose
Independent Agents
Independent insurance agents are not required to write business for one company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies.
When comparing rates, it’s a good idea to include multiple independent agents for maximum quote selection.Most can insure with smaller regional carriers which can save you money.
Listed below are independent agents in Lawrenceville that are able to give price quotes.
- Direct General Ins Agency – 250 Grayson Hwy – Lawrenceville, GA 30045 – (770) 962-9990
- Stuckey Agency Inc – 695 Lyle Cir # E – Lawrenceville, GA 30045 – (770) 339-4333
- Perimeter Insurance – 2369 Lawrenceville Hwy # B – Lawrenceville, GA 30044 – (770) 237-3505
- Peachstate Insurance – 2449 Lawrenceville Hwy – Lawrenceville, GA 30044 – (770) 277-4779
- Bill Winn Agency – 250 Langley Dr # 1313 – Lawrenceville, GA 30045 – (770) 963-2178
Captive Insurance Agents
These agents are contracted to one company such as Liberty Mutual, State Farm, Allstate and AAA. They usually cannot compare other company’s rates so it’s a take it or leave it situation. Captive agencies are well schooled on the products they sell which helps them compete with independent agents. Consumers sometimes buy from captive agents partially due to high brand loyalty and the convenience of having a single billing for all their coverages.
Listed below are captive agents in Lawrenceville willing to provide rate quotes.
- State Farm Insurance – 1154 Lawrenceville Hwy – Lawrenceville, GA 30045 – (770) 963-3231
- Liberty Mutual Insurance – 875 Oak Rd # 104 – Lawrenceville, GA 30044 – (770) 972-2859
- Allstate Insurance – 3664 Club Dr # 204 – Lawrenceville, GA 30044 – (770) 237-3353
- Farm Bureau Insurance – 1150 Cripple Creek Dr – Lawrenceville, GA 30043 – (770) 963-6209
For a complete listing of captive agencies in Lawrenceville, visit this site.
Choosing a car insurance agent should depend on more than just the price. These are valid questions to ask:
- Is working in the agency their full-time job?
- How long has their agency been open in Lawrenceville?
- Does the agency provide any after hours assistance?
- Is the agent and/or agency licensed to do business in Georgia?
- Do they receive special compensation for putting your coverage with one company over another?
After getting satisfactory answers and a good coverage price, you have narrowed it down to a car insurance agent that will adequately provide car insurance.
Does buying direct online get me lower rates?
Insurance agencies are perfect for certain consumers, but Georgia consumers also have the option to buy direct over the internet. Some specific companies, such as Farmers Insurance and State Farm, that sell primarily through agents also give you the option to buy a policy online, and that is helpful if you prefer to buy online.
If you’re anxious about choosing your own coverages when buying online, that shouldn’t be an issue. Online car insurance companies that allow you to purchase coverage provide phone numbers and online resources for getting the best coverage.
Are online rates lower? That is a tough question to answer because there are so many things that influence your rates. You may think that going direct saves the cost of an agent commission. But the fact is, marketing their products costs a lot of money so this can offset any savings.
More comparisons equals lower rates
Cheap car insurance is available both online as well as from independent agents in Lawrenceville, and you should be comparing both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.
As you go through the steps to switch your coverage, make sure you don’t reduce coverage to reduce premium. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. The aim is to get the best coverage possible for the lowest price.
Additional information is located on the Georgia Insurance and Safety Fire Commissioner website located here. Georgia consumers can find out industry alerts, find out which companies have the most complaints, and report car insurance fraud.
