When finding an insurance agent in Bossier City, LA, you can start your research on the web rather than picking up the phone. Consumers need a good agent that listens to you, and also want to find the best price on car insurance.
You have multiple insurance agents to buy insurance from, and although it’s a good thing to have a selection, it can be more difficult to locate the cheapest rates.
Quote online but work with a neighborhood agent
Educated insurance agents are trained to spot inefficiencies and give you someone to call. One of the great benefits of comparing rates online is the fact that you can find better rates but still work with a licensed agent.
By using this short form, the quote information is emailed to participating agents in Bossier City who will return price quotes for your business. There is no need to visit any agencies because quoted prices will be sent to your email. How’s that for easy!
Choosing an insurance agency needs to be determined by more than just the price. These questions are important to ask:
- Are they properly licensed to sell insurance in Louisiana?
- If your car is totalled, how to they determine the replacement cost?
- Who are their largest clients?
- Which company do they place the most coverage with?
- Are claims handled at the agent’s location?
Types of insurance agents
When looking for local Bossier City agents, there are a couple of different types of agents from which to choose. Insurance agencies in Bossier City can either be captive or independent (non-captive). While both can write coverage properly, but it’s worth mentioning how they are different because it can impact the selection process.
Agency Captives
These agents have only one company to place business with and examples are Farmers Insurance, American Family, State Farm and Allstate. They usually cannot give you multiple price quotes so they have no alternatives for high prices. They are well schooled on their company’s products which helps them sell insurance even at higher premiums.
Below are Bossier City captive insurance agents who can help you get comparison quotes.
Allstate Insurance – 1201 Shady Grove Dr – Bossier City, LA 71112 – (318) 752-3626
Farm Bureau Insurance – 1630 Barksdale Blvd – Bossier City, LA 71111 – (318) 424-1700
State Farm Insurance – 1830 Old Minden Rd – Bossier City, LA 71111 – (318) 747-7676
Shelter Insurance – 1700 Old Minden Rd # 116 – Bossier City, LA 71111 – (318) 746-9999
Independent Insurance Agents
Independent agencies are not employed by any specific company but rather can write business with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency. When comparison shopping, we recommend you contact at a minimum one independent agency to get the best comparison.
Below are Bossier City independent insurance agencies that are able to give price quote information.
Direct General Ins Agency – 1408 Airline Dr – Bossier City, LA 71112 – (318) 747-9900
Southern General Agency – 3018 Old Minden Rd # 1103 – Bossier City, LA 71112 – (318) 550-0264
Premier Insurance – 1961 Airline Dr – Bossier City, LA 71112 – (318) 742-2211
Garcia Insurance and Financial – 1605 Benton Rd – Bossier City, LA 71111 – (318) 742-7166
Louisiana General Agency – 1824 Benton Rd – Bossier City, LA 71111 – (318) 746-4242
To view a complete directory of car insurance agents in Bossier City, view this link.
Upon getting good answers to these questions as well as a affordable price, chances are good that you have found an insurance agent that will service your policy.
Alternatives to local agents
Auto insurance agents serve a purpose, but you also have the option of buying direct from companies that only sell online. A few companies like State Farm and Allstate who sell through agents in Bossier City also permit you to buy direct online, so that should be considered if you’re trying to lower your rates.
If you’re worried about not receiving proper advice, don’t be too concerned. Companies that require consumers to choose their own coverages provide phone numbers and online resources that you can contact for information. In addition, they usually offer extensive coverage information and 24/7 assistance to clarify any questions you may have.
Will buying online save you money? It’s hard to say exactly since there are many things that can increase policy rates. It would make sense to think that a consumer who buys direct saves by not paying a commission. But the fact is, promoting brand recognition is pricey so the lack of a commission may be a wash.
More detailed Louisiana car insurance information can be found at the Louisiana Department of Insurance website. Louisiana consumers can find out which companies have the most complaints, read state legal mandates and laws, file complaints about a company, and find out industry alerts.
The following information may also be useful.
Final considerations
Lower-priced car insurance can be found online and with local Bossier City insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.
Drivers leave their current company for a number of reasons such as high prices, an unsatisfactory settlement offer, unfair underwriting practices or being labeled a high risk driver. Regardless of your reason for switching companies, finding a new car insurance company is actually quite simple.
