To find a good West Monroe agent, we recommend you do the preliminary legwork by getting online comparison quotes rather than picking up the phone. Consumers require a professional agent, and also cheap rates.
Big companies like State Farm, Geico and Farmers Insurance all promote huge savings with ad campaigns and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.
Car Insurance through a local West Monroe agent
Licensed agents can point out coverage gaps and help you file claims. One of the great benefits of comparing insurance prices online is that you can obtain better rates and still have an agent to talk to.
Upon completion of this short form, the coverage information is immediately sent to companies in West Monroe 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 your email. It doesn’t get any easier! It’s the lowest rates AND a local agent.
Choosing a car insurance agent should depend on more than just a low price. Ask your prospective agent these questions:
- Will their companies depreciate repairs to your car based on the mileage?
- Does the agency support the community they serve?
- How much can you save by raising your physical damage deductibles?
- If they are an independent agency, which companies do they recommend?
- Which company do they place the most coverage with?
- How often do they review policy coverages?
Captive agents vs. Independent agents
When looking for a reliable agent, you need to know there are two different types of agents to choose from. Agents are either captive or independent (non-captive).
Agency Captives
Captive insurance agents work for only one company and examples are State Farm, Allstate and AAA. These agents are not able to compare other company’s rates so it’s a take it or leave it situation. Captive agencies are trained well on the products they sell which helps them compete with independent agents.
The following are captive agents in West Monroe willing to provide comparison quotes.
State Farm Insurance – 121 Crosley St – West Monroe, LA 71291 – (318) 323-0117
Shelter Insurance – 2000 N 7th St # B – West Monroe, LA 71291 – (318) 323-9100
Allstate Insurance – 1300 N 7th St # F – West Monroe, LA 71291 – (318) 324-1333
Independent Agents
These agents are not locked into one company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies.
When shopping rates, it’s recommended you include price quotes from several independent insurance agents to ensure the widest selection of prices.
The following is a list of independent agencies in West Monroe willing to provide price quotes.
Tom Mc Candlish Sr Agency – 2920 Cypress St – West Monroe, LA 71291 – (318) 362-0090
Hogan Agency Inc – 2411 N 7th St – West Monroe, LA 71291 – (318) 397-1212
Lincoln Agency Inc – 2211 N 7th St – West Monroe, LA 71291 – (318) 387-2141
Robert Cook Insurance – 2204 N 7th St – West Monroe, LA 71291 – (318) 323-2791
Elder Insurance – 114 Tyree Dr – West Monroe, LA 71291 – (318) 397-8290
For a complete listing of car insurance agents in West Monroe, click here to link.
After receiving reasonable responses to these questions as well as a affordable price, most likely you have located a car insurance agent that can provide car insurance coverage.
Can you save money by buying online?
Local insurance agents are perfect for certain consumers, but you also have the option of buying Louisiana car insurance directly from online companies. Certain auto insurance companies who have local West Monroe agents also allow you to get a quote and buy online, so keep that in mind if finding the best price is important.
If you’re concerned about not getting proper coverage, this is expected but don’t let that bother you. All companies that require consumers to choose their own coverages all provide contact methods to walk you through the process.
Is auto insurance cheaper online? Many people swear by it, but it’s difficult to answer since companies use quite a few components that impact your premium. It’s often assumed that buying car insurance online prevents the agent from taking a cut. But the reality is marketing their products costs a lot of money so the lack of a commission may be a wash.
If you’re trying to save the most money, the best approach to discovering if the best rates are online or from local agents is to get price quotes for both. You could possible even receive different price quotes from online quotes as they do from local agents from the SAME company. It’s just impossible to know where you can get the lowest rates without getting separate quotes both ways.
The best insurance company isn’t always the cheapest
When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that it was a big mistake. The aim is to buy the best coverage you can find at the best price.
People who switch companies do it for a variety of reasons including questionable increases in premium, poor customer service, denial of a claim and even extreme rates for teen drivers. Regardless of your reason, choosing a new company can be easier than you think.
Additional detailed information is located at the Louisiana Department of Insurance website. Louisiana drivers can view agent and company licensing information, download brochures, view a list of available companies, and read industry bulletins.
Also read more on NAIC.org’s Understanding your Policy and this page where you can research West Monroe insurance agents.
