Baker Insurance Agencies – Tips to Finding the Right One

When pricing auto insurance in Baker, LA, you have many choices and selecting the best Baker auto insurance agent for your needs is harder than just using the same auto insurance agent as your neighbor. Consumers need a highly trained agent, but also cheaper auto insurance prices.

Lots of car insurance agents contend for your insurance dollar, and because of this it can be hard to compare insurance agencies and uncover the absolute best rates possible.

Online quotes with a local Baker insurance agent

Licensed agents can help determine the best coverages and give you someone to call. One of the great benefits of price shopping on the web is the fact that you can find the lowest rates and still choose a local agent.

To find an agent, once you fill out this simple form, your insurance coverage information is sent to participating agents in Baker who will return price quotes for your business. You never need to visit any agencies due to the fact that quote results will go to your email. It doesn’t get any easier! Get lower rates without the usual hassles of price shopping.

Picking an auto insurance agent shouldn’t rely on just the premium amount. These questions are important to ask:

  • What will you get paid if your car is a total loss? How is that amount determined?
  • How much can you save by raising your physical damage deductibles?
  • Do they feel the quoted coverages are adequate?
  • Does the agency provide any after hours assistance?
  • Do they assist clients in filing claims?
  • Are they full-time agents?
  • What is the agency’s Better Business Bureau rating?

Two types of car insurance agents

When looking for a local agent, there are a couple of different agency structures that you can select. Agents can either be independent or captive.

Captive Insurance Agents

This type of agents are contracted to one company and examples are Allstate, Farmers Insurance or State Farm. Captives cannot compare other company’s rates so they have to upsell other benefits. Captives are usually quite knowledgeable on the products they sell which can be an advantage.

Listed below is a short list of captive agencies in Baker willing to provide rate quotes.

Shelter Insurance – 4686 Groom Rd # B – Baker, LA 70714 – (225) 774-3119
Allstate Insurance – 5120 Groom Rd – Baker, LA 70714 – (225) 775-7000
State Farm Insurance – 5260 Groom Rd # A – Baker, LA 70714 – (225) 775-6381

Independent Insurance Agents

These agents are not locked into one company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency.

When searching for an agent, we recommend you contact several independent insurance agents to get the best comparison.

Below are independent agents in Baker that can give you rate quotes.

Ozark Insurance – 3040 Ray Weiland Dr – Baker, LA 70714 – (225) 775-7614
Clothier Insurance – 3040 Ray Weiland Dr – Baker, LA 70714 – (225) 775-7502

To view a complete directory of auto insurance agents in Baker, simply jump to this page.

Upon getting answers to your satisfaction as well as a affordable price, you’ve probably found an auto insurance agent that meets your needs to properly service your auto insurance policy.

Online companies can help you save

Local insurance agents are indespensible for some people, but Louisiana consumers also have the option to buy direct from companies online. Some companies that are more known for using agents, also allow you to buy a policy online, so keep that in mind as an alternative to contacting agents.

If you’re uneasy about not having an agent to talk to when buying direct, this is a normal reaction for first-time shoppers. Online companies provide options for customer questions. Additionally, most companies also offer the ability to chat online live with a sales rep and online research so buying online is not difficult.

Is car insurance cheaper online? Whether or not you’ll save is impossible to say since there may be dozens of rate factors that influence how your policy is priced. It’s a logical assumption that a customer who purchases direcly from an online company saves by not paying a commission. For most online online companies, however, online and traditional media advertising are expensive and this drives up their premium costs.

The best way to determine if the cheapest policy comes from an agent or online is to get price quotes for both. You may actually get a different price from online quotes as they do from local agents from the exact same provider. You won’t know which way will be cheaper unless you compare quotes for identical coverages both ways.

Baker car insurance agent

More tips and info about auto insurance can be read at the Louisiana Department of Insurance website. Louisiana consumers can find out industry alerts, get help finding coverage, and learn about specific coverages.

More related Baker auto insurance information:

Online plus local equals savings

People who switch companies do it for many reasons like being labeled a high risk driver, policy non-renewal, delays in responding to claim requests or even poor customer service. Regardless of your reason, finding a great new company is easier than you think.

As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to get the best coverage possible at a price you can afford, not the least amount of coverage.