Comparing car insurance companies in New Albany, Indiana can be challenging because you have many choices and finding the best Indiana car insurance agent is not as easy as just driving to the closest agent’s office. It’s assumed that not only do you want a professional licensed agent, but you also want the best rates possible.
With State Farm, Allstate and Farmers Insurance all competing for your business, it’s difficult to determine which will provide the cheapest rates and the best coverage. Fortunately, you can use online price quotes to assemble a group of agents to choose from.
How to find New Albany insurance agents online
Insurance agents can point out coverage gaps and help you file claims. The biggest benefit of price shopping on the web is you may find lower rates and still choose a local agent. And supporting local businesses is definitely important in New Albany.
To find an agent, once you fill out this simple form, your insurance coverage information gets sent to participating agents in New Albany who will give you bids to get your business. You don’t have to leave your computer since price quotes are sent to your email. Now that’s easy! You’ll get the best rates and work with a local agent.
Types of insurance agents
When researching an insurance agent, you need to know there are two types of agencies from which to choose. Insurance agencies in New Albany are categorized either captive or independent (non-captive).
Independent Agencies or Brokers
These agents are not required to write business for one company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies. When comparing rates, you should always contact at a minimum one independent agency for maximum quote selection.
Shown below are independent insurance agencies in New Albany that can give you price quote information.
Countryside Insurance – 303 E Spring St – New Albany, IN 47150 – (812) 945-9123
Barbara A Limeberry Insurance – 2733 Charlestown Rd – New Albany, IN 47150 – (812) 944-0770
Captive Agents
These agents can only place business with one company and examples are Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are unable to compare other company’s rates so they are skilled at selling on more than just price. Captives are trained well on the products they sell which helps them sell insurance even at higher premiums.
The following is a list of captive agencies in New Albany that can give you rate quotes.
State Farm Insurance – 3321 Ballard Ln – New Albany, IN 47150 – (812) 981-5300
American Family Insurance – 3217 Grant Line Rd – New Albany, IN 47150 – (812) 949-7900
Allstate Insurance – 2871 Charlestown Rd – New Albany, IN 47150 – (812) 949-1600
Farm Bureau Insurance – 1730 N Audubon Dr – New Albany, IN 47150 – (812) 944-8439
To view a full list of captive agencies in New Albany, visit this site.
Choosing an insurance agent requires more thought than just a cheap price. Here are some questions to ask:
- Can they give you a list of client referrals?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they feel the quoted coverages are adequate?
- Is the agent and/or agency licensed to do business in Indiana?
- Do they receive special compensation for putting your coverage with one company over another?
- Which insurance companies are they affiliated with?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Who is covered by the car insurance policy?
Upon getting satisfactory answers to any questions you have in addition to an acceptable price estimate, it’s possible that you found an auto insurance agent that is a good match to properly service your car insurance policy.
The online companies are an option
Insurance agents serve a purpose, but you also have the option of buying direct over the internet. A few companies who employ agents also give you the ability to get quotes and purchase online, so that should be considered.
If you’re concerned about not having an agent to talk to when buying car insurance direct, that should not be a issue. All companies all provide contact methods that you can contact for information.
Are online premiums lower? It’s difficult to say for sure since there may be dozens of rate factors that impact your final bill. It’s logical to say that buying direct saves by not paying a commission. But the reality is getting their brand in front of customers is expensive so this can offset any savings.
Cheaper insurance is a realistic goal
The cheapest car insurance is available on the web in addition to many New Albany insurance agents, so compare prices from both to get a complete price analysis. There are still a few companies who do not provide online quoting and these small, regional companies work with independent agents.
Insureds who switch companies do it for a number of reasons such as poor customer service, questionable increases in premium, policy non-renewal and being labeled a high risk driver. Whatever your reason, choosing a new company can be less work than you think.
More information is located on the website for the Indiana Department of Insurance through this link. Consumers can read consumer alerts, report car insurance fraud, and learn about insurance regulations.
The articles below may also help you learn more about car insurance in New Albany
