Comparing auto insurance companies in Prattville, AL can be challenging because you have many choices and finding the best Alabama insurance agency is more difficult than just using the same insurance agent as your neighbor. Consumers need a decent agent, but also need the best possible price.
Numerous insurance agencies battle for your business, and because of this it can be hard to compare car insurance agents to discover the definitive lowest rate possible.
Online quotes with a local Prattville insurance agent
Good agents can answer important questions and give you someone to call. The best thing about price shopping on the web is the fact that you can find lower rates but still work with a licensed agent.
Once you complete this short form, the quote information is sent to participating agents in Prattville who will return price quotes for your business. There is no reason to even leave your home because quoted prices will be sent directly to your email. How’s that for easy!
Deciding on an insurance agent needs to be determined by more than just a low price. Any agent should be forthright in answering these questions:
- Does the agency provide any after hours assistance?
- Do they review policy coverages at every renewal?
- Which insurance companies are they affiliated with?
- Are claim adjusters local or do you have to take your car somewhere else?
- Is the agency involved in supporting local community causes?
- Are they full-time agents?
- Will your rates increase after a single accident?
- Will their companies depreciate repairs to your car based on the mileage?
Do you need an independent or captive insurance agency?
If you’re trying to find a local agent, you must know there are a couple types of insurance agents that you can select. Agencies in Prattville are classified as either captive or independent (non-captive). Both properly insure your vehicles, but it’s important to know how they differ since it may influence the type of agent you choose
Captive Agents
Captive agents write business for a single company and some examples include Liberty Mutual, State Farm, Allstate and AAA. Captives cannot place coverage with different providers so they are skilled at selling on more than just price. These agents receive extensive training in insurance sales and that can be a competitive advantage. Consumers often buy insurance from these agents mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.
The following is a list of captive insurance agencies in Prattville that can give you price quote information.
- State Farm Insurance – 1300 E Main St – Prattville, AL 36066 – (334) 365-1300
- Farmers Insurance Group – 1345 S Memorial Dr # A – Prattville, AL 36066 – (334) 361-8111
Independent Agents (or Brokers)
Independent insurance agents are not locked into one company so they can insure your vehicles amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and you don’t have to find a new agent. When comparing rates, it’s recommended you get quotes from at least one independent agent for maximum quote selection. They often place coverage with smaller companies which can save you money.
Listed below are independent agents in Prattville that are able to give comparison quotes.
- Ralph M Stewart Insurance – 133 Quail Run – Prattville, AL 36067 – (334) 365-4286
- Hunnicutt Insurance Svc – 137 S Court St – Prattville, AL 36067 – (334) 365-4129
- Davenport Agency – 1288 E Main St # B – Prattville, AL 36066 – (334) 358-1344
To view a full list of licensed insurance agents in Prattville, visit this site.
After getting positive responses to all your questions in addition to an acceptable price estimate, you have narrowed it down to an insurance agency that is a good match to provide auto insurance coverage.
Also keep in mind buying direct
Insurance agents are important, but you also have the option of buying direct over the internet. Certain companies that sell primarily through agents also allow you to get quotes and purchase online, and consumers should do that if you prefer to buy online.
If you’re uneasy about whether or not you’ll have guidance when buying direct, this is expected but don’t let that bother you. Online insurance companies give you access to trained agents to answer your questions.
Does buying online save money? Many people swear by it, but it’s difficult to answer since there may be dozens of rate factors that can increase policy rates. It would make sense to think that a customer who purchases direcly from an online company cuts out the middleman. For most online online companies, however, marketing expenses are significant and that can cost more than having to pay agents.
More information about auto insurance
Even more information can be read at the Alabama Department of Insurance website. Visitors are able to read consumer alerts, get help finding coverage, and file complaints about a company.
One last thing
As you shop your coverage around, you should never sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at the best price.
Affordable auto insurance can be found both online as well as from independent agents in Prattville, so you should compare both to have the best rate selection. Some companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.
