Consumer Information for Researching a Decatur Auto Insurance Agent

When pricing car insurance in Decatur, AL, you have many choices and finding the best Alabama auto insurance agent takes more work than just using the same insurance agent as your neighbor. You need a decent agent, but also the lowest rates in Decatur.

Many insurance agencies vie to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the best rate

Save time by quoting online

Educated insurance agents can help determine the best coverages and help in the event of a claim. The biggest benefit of comparing rates online is you may find better rates but also keep your business local.

To find an agent, once you fill out this simple form, the quote information is submitted to agents in your area who will compete for your business. You won’t need to even leave your home due to the fact that quote results will go to your email. Now that’s easy! You can find better rates and work with a local agent.

Choosing an insurance agent needs to be determined by more than just the price. Any agent should be forthright in answering these questions:

  • How are they compensated?
  • Is working in the agency their full-time job?
  • Can they provide you with a list of referrals?
  • If your car is totalled, how to they determine the replacement cost?
  • Does the agency have a good rating with the Better Business Bureau?
  • Is the agent and/or agency licensed to do business in Alabama?

Different types of Decatur auto insurance agents

If you’re trying to find an insurance agent, you must know there are a couple types of insurance agents to choose from. Insurance agencies in Decatur are either captive or independent.

Captive Insurance Agents

Captive agencies can only write with one company and examples are State Farm, Allstate and AAA. They generally cannot shop your coverage around so they have to upsell other benefits. Captive agents receive extensive training in insurance sales which can be an advantage.

The following are captive agencies in Decatur that can give you comparison quotes.

Allstate Insurance – 2126 6th Ave SE # 206 – Decatur, AL 35601 – (256) 350-8660
Farm Bureau Insurance – 1625 Wolverine Dr SE – Decatur, AL 35601 – (256) 584-9713
State Farm Insurance – 1801 Somerville Rd SE – Decatur, AL 35601 – (256) 353-6152

Independent Insurance Agents

Independent agents are not required to write business for one company but rather can write business with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies. When searching for an agent, it’s recommended you get quotes from at least one independent agent to have the most options to choose from.

The following is a short list of independent agents in Decatur that can give you price quotes.

Alfa Insurance Corp – 2941 Point Mallard Pkwy SE # B – Decatur, AL 35603 – (256) 353-1062
Brewington Agency – 303 Cain St NE # B – Decatur, AL 35601 – (256) 353-1330
WEBB Agency – 1904 Flint Rd SE – Decatur, AL 35601 – (256) 355-8234
Affordable Insurance LLC – 1716 Woodall Rd SW – Decatur, AL 35603 – (256) 355-4310
Bobby Murphy Agency – 401 5th St SE # A – Decatur, AL 35601 – (256) 351-0013

To view a complete directory of Decatur insurance agents, visit this link.

Upon receiving positive feedback to any questions you have and a good coverage price, you have narrowed it down to an auto insurance agent that is a good match to service your policy.

Online companies can help you save

Auto insurance agents are important, but Alabama consumers also have the option to buy direct online. Some companies like Allstate and State Farm that sell primarily through agents also give you the option to quote and buy online, and that can save time if you prefer not to work with an agent.

If you’re uncomfortable with not getting advice from an agent, that shouldn’t be an issue. Auto insurance companies that require consumers to choose their own coverages provide options to walk you through the process.

Is it cheaper to buy car insurance online? Many people swear by it, but it’s difficult to answer because of the fact that insurance companies use many factors that determine the price you pay. It would make sense to think that a customer who purchases direcly from an online company cuts out the middleman. For most companies selling online, however, online and traditional media advertising are expensive so the rates may be similar to buying from an agent.

Decatur AL car insurance agent

More tips and info about car insurance can be read at the Alabama Department of Insurance website. Alabama drivers can learn about specific coverages, report car insurance fraud, learn about insurance regulations, and file complaints about an insurance agent or broker.

The following articles may also be useful.

Smart consumers save more

Drivers switch companies for any number of reasons including an unsatisfactory settlement offer, delays in responding to claim requests, poor customer service or even being labeled a high risk driver. Whatever your reason, choosing a new insurance company can be easy and end up saving you some money.

Budget-conscious car insurance can be purchased both online and with local Decatur insurance agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.