Compare Car Insurance Pricing From Baton Rouge, LA Insurance Providers

When finding a good Baton Rouge agent, you can always do the preliminary legwork for an agent online instead of making phone calls. Chances are good that not only do you want a great agent that can assess your needs, but you also need the best rates possible.

With insurance companies like independent agents, Allstate and State Farm all competing for business in Baton Rouge, consumers have a hard time knowing which one will provide you with the best rates, service and coverage. To begin, consumers can get insurance quotes online to assemble a group of insurance agents and price estimates.

Car Insurance from Baton Rouge insurance agents

Good agents are trained to spot inefficiencies and help file insurance claims. The best thing about getting online price quotes is you may find better rates but also keep your business local. And providing support for small agencies is especially important in Baton Rouge.

For easy comparison, once you complete this quick form, the quote information is instantly submitted to local insurance agents who will compete for your insurance coverage. There is no reason to leave your house since price quotes are sent to your email. How’s that for easy! You can find better rates AND a local agent.

Multiple types of auto insurance agents in Baton Rouge

When searching for a good insurance agency, there are two types of agencies that differ in how they can insure your vehicles. Agencies in Baton Rouge are categorized either captive or independent (non-captive).

Independent Agencies or Brokers

Independent agents do not work for one specific company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency.

When comparing rates, it’s recommended you include price quotes from multiple independent agents to ensure the widest selection of prices.

Listed below are Baton Rouge independent agencies who may be able to give you price quotes.

Direct General Ins Agency – 4215 S Sherwood Forest Blvd #3 – Baton Rouge, LA 70816 – (225) 291-3700
Murphy Insurance – 11746 S Harrells Ferry Rd # B – Baton Rouge, LA 70816 – (225) 293-5005
Direct General Ins Agency – 2244 N Sherwood Forest Dr – Baton Rouge, LA 70815 – (225) 272-3700
Ron Desormeaux Agency – 17732 Highland Rd # C – Baton Rouge, LA 70810 – (225) 751-7077
CNA Insurance – 15254 Old Hammond Hwy – Baton Rouge, LA 70816 – (225) 275-1533

Agency Captives

This type of agents have only one company to place business with like Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are unable to compare other company’s rates so they have to upsell other benefits. Captives are very knowledgeable in insurance sales which can be an advantage.

Shown below is a list of captive agencies in Baton Rouge that are able to give price quote information.

Allstate Insurance – 1962 Oneal Ln # G-2 – Baton Rouge, LA 70816 – (225) 756-0018
Shelter Insurance – 12646 Jefferson Hwy # 5 – Baton Rouge, LA 70816 – (225) 755-4144
Farmers Insurance Group – 11832 Newcastle Ave – Baton Rouge, LA 70816 – (225) 293-7505
Farm Bureau Insurance – 10859 Perkins Rd # C – Baton Rouge, LA 70810 – (225) 766-6565
Liberty Mutual Insurance – 4000 S Sherwood Forest Bl #200 – Baton Rouge, LA 70816 – (225) 292-8808
State Farm Insurance – 11821 Coursey Blvd # A – Baton Rouge, LA 70816 – (225) 293-4978

For a full directory of captive agents in Baton Rouge, go to this page.

Picking a car insurance agent requires more thought than just the bottom line cost. Here are some questions to ask:

  • Who are their largest clients?
  • If you have an accident, will your rates go up?
  • How long has their agency been open in Baton Rouge?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Do they feel the quoted coverages are adequate?

After getting reasonable responses to these questions in addition to an acceptable price estimate, you’ve probably found an auto insurance agent that is a good match to properly insure your vehicles.

The online companies promise big savings

Professional insurance agents are indespensible for some people, but you also have the option of buying direct over the internet. Certain auto insurance companies like Allstate and State Farm who sell through agents in Baton Rouge additionally provide the ability to buy direct online, so this should also be taken into consideration as an alternative to contacting agents.

If you’re concerned about whether or not you’ll have guidance when shopping online, this is expected but don’t let that bother you. Auto insurance companies that require consumers to choose their own coverages all have toll-free customer service you can use to get advice on coverages. You may also access live help and an extensive research center to help you make a buying decision.

Can buying online lower your premiums? It’s difficult to provide an answer because of the fact that insurance companies use many factors that can increase policy rates. Common sense would say that buying car insurance online lowers rates due to not having any agent compensation. But in reality, online and traditional media advertising are expensive so the lack of a commission may be a wash.

More information can be found on the website for the Louisiana Department of Insurance. Click here for link. Louisiana consumers can view agent and company licensing information, discover disciplinary actions, learn about specific coverages, and file complaints about a company.

Louisiana car insurance

Other informative sites include this Car Insurance FAQ and this page where you can research Baton Rouge insurance agents.

In conclusion

Discount car insurance is attainable both online as well as from independent agents in Baton Rouge, so you should compare both in order to have the best price selection to choose from. A few companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.

Insureds switch companies for a variety of reasons including policy non-renewal, unfair underwriting practices, questionable increases in premium and being labeled a high risk driver. It doesn’t matter what your reason, finding a great new company can be less work than you think.