Comparing car insurance companies in Lake Charles, LA can be challenging because there are a lot of options and picking a good Louisiana car insurance agent is harder than just making a phone call. Consumers need a good professional insurance agent, and also affordable rates.
Consumers have many auto insurance agents to buy insurance from, and though it is a good thing to have a choice, so many choices can make it hard to find the best rates for your vehicles.
Buying car insurance from a local Lake Charles agent
Insurance agents can help determine the best coverages and help submit paperwork. The best thing about comparing insurance prices online is you can get better rates but still work with a licensed agent.
After completing this quick form, your insurance coverage information is submitted to insurance agents in Lake Charles who will compete to get your business. You never need to leave your computer since price quotes are sent straight to your inbox. How’s that for easy!
Picking a car insurance agent needs to be determined by more than just the premium amount. Any agent should be forthright in answering these questions:
- Who is covered by the car insurance policy?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they feel the quoted coverages are adequate?
- How are they compensated?
- If you are a high risk driver, do they have special markets for your coverage?
The difference between Lake Charles car insurance agents
When researching a good insurance agency, there are a couple of different agency structures that you can select. Insurance agencies in Lake Charles are classified as either captive or independent. Both types can write coverage properly, but it’s worth mentioning the differences since it may influence buying decisions.
Captive Insurance Agents
This type of agents have only one company to place business with such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They are unable to give you multiple price quotes so they have to upsell other benefits. Captive agencies are well schooled on the products they sell which can be an advantage.
Shown below is a list of captive insurance agents in Lake Charles that can give you rate quotes.
State Farm Insurance – 108 Executive Dr # A – Lake Charles, LA 70611 – (337) 855-7768
Allstate Insurance – 1512 Gertsner Memorial Dr – Lake Charles, LA 70601 – (337) 436-7928
Farm Bureau Insurance – 2904 Warren Ave – Lake Charles, LA 70601 – (337) 478-6714
Shelter Insurance – 4566 Lake St – Lake Charles, LA 70605 – (337) 478-8349
Independent Insurance Agents
These agents do not work for one specific company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency.
When comparison shopping, it’s recommended you contact at a minimum one independent agency to ensure the widest selection of prices.
Below is a list of independent insurance agencies in Lake Charles that can give you rate quotes.
Tugwell Agency – 3121 Enterprise Blvd – Lake Charles, LA 70601 – (337) 478-0189
Allen’s Insurance – 410 Division St – Lake Charles, LA 70601 – (337) 433-1659
RBC Liberty Insurance – 1415 W Prien Lake Rd – Lake Charles, LA 70601 – (337) 474-0488
Hood Agency – 2100 W Prien Lake Rd – Lake Charles, LA 70605 – (337) 477-9982
Direct General Ins Agency – 1413 E Prien Lake Rd – Lake Charles, LA 70601 – (337) 474-2014
For a full directory of licensed insurance agents in Lake Charles, visit this site.
After receiving answers to your satisfaction to your questions and a good coverage price, you’ve probably found an insurance agent that is a good match to insure your vehicles.
Online companies can help you save
Licensed agents are perfect for certain consumers, but Louisiana consumers also have the option to buy direct online. Even companies, such as Farmers Insurance and State Farm, that sell primarily through agents also allow consumers to buy direct online, and that can save time if finding the best price is important.
If you’re uneasy about not receiving proper advice when shopping online, this really isn’t an issue. Auto insurance companies have customer service departments to answer your questions. They also make available extensive coverage information and 24/7 assistance so buying online is not difficult.
Are online companies cheaper? It’s difficult to say for sure because there are a lot of things that influence how your policy is priced. You may think that shopping online for auto insurance prevents the agent from taking a cut. For most companies selling online, however, it’s expensive to advertise and that impacts the rates consumers pay.
For more reading
Even more information is available at the Louisiana Department of Insurance website. Louisiana consumers can find out industry alerts, view agent and company licensing information, and find a variety of consumer forms.
The following articles may also be useful.
Shop smart and save
Consumers leave their current company for any number of reasons including policy cancellation, an unsatisfactory settlement offer, extreme rates for teen drivers or even high rates after DUI convictions. Whatever your reason, finding a great new company is not as hard as you think.
Cheap car insurance is attainable both online and also from your neighborhood Lake Charles agents, and you should be comparing both to have the best rate selection. Some car insurance companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
