When pricing auto insurance in Daphne, Alabama, selecting the best Daphne auto insurance agent for your needs is harder than just calling the closest agent. The chances are good you’re wanting a great agent that can assess your needs, but you also need great rates as well.
With companies like State Farm, Allstate and many independent agents having local Daphne offices, it’s hard to tell which provider will provide you with the best service and rates. Thankfully, it’s easy to use insurance quotes online to build a list of insurance agencies and thier coverage prices.
Why do I need an agent?
Professional agents can answer important questions and help submit paperwork. One of the great benefits of comparing rates online is that you can obtain lower rates but still work with a licensed agent. Supporting local insurance agencies is important especially in Daphne.
After completing this quick form, your coverage information is emailed to insurance agents in Daphne who will compete to get your business. There is no reason to leave your house due to the fact that quote results will go to the email address you provide. Now that’s easy!
Two different types of auto insurance agents
If you’re trying to find an insurance agent, there are a couple of types of insurance agents from which to choose. Daphne agents can either be captive or independent. Either one can insure your vehicles, but it’s worth learning how they differ because it can influence your selection of an agent.
Independent Agents
Independent agents are not employed by any specific company so they can insure your vehicles with lots of companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies.
When comparing rates, it’s a good idea to contact at a minimum one independent agency for maximum quote selection. They also have the ability to place coverage with lesser-known insurance companies which may provide better rates.
Below is a list of independent insurance agents in Daphne that can give you competitive price quotes.
- Herring Agency Inc – 1203 Us Highway 98 # 2d – Daphne, AL 36526 – (251) 625-1024
- Alabama One Stop Insurance – 1014 Stanton Rd – Daphne, AL 36526 – (251) 625-2600
- Booth Insurance – 809 Daphne Ct # A – Daphne, AL 36526 – (251) 621-1822
Agency Captives
These agents can only place business with one company and some examples include State Farm, AAA and Liberty Mutual. They are unable to give you multiple price quotes so they are skilled at selling on more than just price. These agents are trained well on their products and sales techniques which helps them compete with independent agents. Some consumers prefer to choose to use a captive agent partially due to loyalty to the company and the convenience of having a single billing for all their coverages.
Shown below are captive insurance agents in Daphne willing to provide price quote information.
- Allstate Insurance – 1501 Highway 98 – Daphne, AL 36526 – (251) 626-2500
- State Farm Insurance – 811 Daphne Ct # A – Daphne, AL 36526 – (251) 626-1237
- Farmers Insurance Group – 28850 Us Highway 98 # 106 – Daphne, AL 36526 – (251) 626-3318
For a complete listing of auto insurance agents in Daphne, please view this page.
Choosing an auto insurance agent needs to be determined by more than just a low price. Here are some questions to ask:
- Does the agency support the community they serve?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they specialize in personal lines coverage?
- Can they provide you with a list of referrals?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
After receiving reasonable responses and a low price estimate, you have narrowed it down to an insurance agent that is a good match to properly insure your vehicles.
What if I want to shop online?
Local insurance agents are indespensible for some people, but you can also buy Alabama car insurance direct over the internet. Certain auto insurance companies like State Farm and Allstate who employ agents also allow you to buy online, so this should also be taken into consideration if you want to do it yourself.
If you’re uneasy about not having an insurance agent’s advice when shopping online, that is quite common when buying online the first time. Online insurance companies that require consumers to choose their own coverages provide customer service that you can contact for information. Many online companies also provide live help and 24/7 access that can help answer basic questions.
Is it cheaper to buy car insurance online? The answer to that question is complicated due to the fact that there are many factors that determine the price you pay. It’s a logical assumption that buying car insurance online saves money because there is no agent involvement. For the majority of companies, however, the cost of constant advertising is expensive and that can quickly cost more than paying an agent.
Compare but don’t skimp
Consumers who switch companies do it for a number of reasons such as policy cancellation, lack of trust in their agent, extreme rates for teen drivers and even high prices. Regardless of your reason, finding a new auto insurance company can be easy and end up saving you some money.
Low-cost auto insurance can be sourced both online and with local Daphne insurance agents, and you need to comparison shop both to get a complete price analysis. A few companies do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.
Additional Alabama car insurance resources
Additional auto insurance information is located on the Alabama Department of Insurance website. Click here for link. Consumers can read consumer alerts, read state legal mandates and laws, and read industry bulletins.
