Basic Steps to Find an Auto Insurance Agent in Zachary

When buying car insurance in Zachary, picking a good Louisiana insurance agency is not as easy as just making a phone call. Chances are you’re wanting a good agent, but also the best rates possible.

With companies like State Farm, Allstate and many independent agents all competing for business in Zachary, it can be hard to know which one will provide you with the lowest rates and best service. Thankfully, it’s easy to use insurance quotes online to get a list of insurance agents and price estimates.

Comparing rates from local agents

Educated insurance agents can point out coverage gaps and help submit paperwork. The biggest benefit of getting online price quotes is you may find the best rates and still choose a local agent. Supporting local businesses is important particularly in Zachary.

After completing this quick form, your information is submitted to local insurance agents who will return price quotes to get your business. You never need to leave your computer because quoted prices will be sent to your email. How cool is that?! It’s the lowest rates and a licensed agent to work with.

Different types of Zachary insurance agencies

When searching for a good insurance agency, there are a couple of different types of agents that differ in how they can insure your vehicles. Zachary agents are categorized either independent or captive.

Independent Insurance Agents

These agents do not work for one specific company so they have the ability to put coverage with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency.

When searching for an agent, we recommend you contact at a minimum one independent agency to ensure the widest selection of prices.

Below is a list of independent agents in Zachary who may be able to give you price quote information.

John Hendry Insurance – 4833 Main St – Zachary, LA 70791 – (225) 654-3950
Castello Agency General Ins – 5353 Main St # A – Zachary, LA 70791 – (225) 654-2313
Farm Bureau Insurance – 5037 Main St – Zachary, LA 70791 – (225) 658-0290

Captive Insurance Agents

Captive insurance agents are contracted to one company such as State Farm, AAA, Farmers Insurance or Allstate. They usually cannot compare other company’s rates so they have to upsell other benefits. Captive agencies are very knowledgeable on their products and sales techniques and that can be a competitive advantage.

Below is a short list of captive insurance agents in Zachary who can help you get price quotes.

Shelter Insurance – 5568 Main St – Zachary, LA 70791 – (225) 654-8897
Farm Bureau Insurance – 5037 Main St – Zachary, LA 70791 – (225) 658-0290
Allstate Insurance – 5654 Main St – Zachary, LA 70791 – (225) 654-7817
State Farm Insurance – 4698 Highway 19 – Zachary, LA 70791 – (225) 654-0012

For a full directory of Zachary captive insurance agencies, visit this site.

Picking a car insurance agent shouldn’t rely on just the premium amount. Here are some questions to ask:

  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • How long has their agency been in business in Zachary?
  • Who are their largest clients?
  • How long have they worked with personal auto insurance coverage?
  • What insurance companies do they work with?
  • If your car is totalled, how to they determine the replacement cost?

Once you have received positive responses to these questions and an acceptable price quote, most likely you have located an insurance agent that meets your needs to adequately provide car insurance.

Alternatives to local insurance agents

Car insurance agents can be invaluable at times, but you can also buy Louisiana car insurance from companies direct over the internet. Some companies who employ agents also give you the ability to get quotes and purchase online, and that is helpful if you don’t want to take the time to contact agents.

If you’re apprehensive about not having an agent to talk to when buying online, don’t let it bother you. Online insurance companies that allow you to purchase coverage all provide contact methods for getting the best coverage.

Can you save money buying online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there may be dozens of rate factors that influence how your policy is priced. Many people think that buying directly from the company saves the cost of an agent commission. But that assumption is generally incorrect because online and traditional media advertising are expensive so there may not be significant savings.

For price-conscious consumers, the only way of knowing if local insurance agents or online providers are cheaper is to compare price quotes from both. You may actually get a different price when getting a price from both an agent and online from the exact same provider.

best Louisiana insurance agency

Additional car insurance links

Much more information about car insurance in Louisiana can be read on the website for the Louisiana Department of Insurance. Click here for link. Louisiana consumers can find out industry alerts, view a list of available companies, and read consumer alerts.

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The best insurance company isn’t always the cheapest

As you restructure your insurance plan, it’s very important that you do not skimp on coverage in order to save money. In too many instances, drivers have reduced collision coverage to discover at claim time that it was a big error on their part. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.

Consumers change insurance companies for any number of reasons including denial of a claim, extreme rates for teen drivers, high rates after DUI convictions and policy cancellation. It doesn’t matter what your reason, finding a new car insurance company is actually quite simple.