Finding good auto insurance in Douglasville can be challenging since there are a lot of options and choosing the right Douglasville car insurance agent takes more work than just calling the closest agent. Chances are you want a highly trained agent, but you also want the lowest possible price.
With Farmers, Allstate, and independent agents all competing for your business, it’s hard to tell which insurance agency will give you the best service and rates. To begin, consumers can get online quotes to build a list of agents from which to choose.
Quote online but still have a local agent
Educated insurance agents can point out coverage gaps and help submit paperwork. The biggest benefit of price shopping on the web is you can get the lowest rates and still choose a local agent. And providing support for local businesses is important particularly in Douglasville.
To find an agent, once you fill out this short form, the quote information is emailed to agents in your area who will compete to get your business. There is no reason to visit any agencies because quoted prices will be sent immediately to your email address. How’s that for easy! It’s the lowest rates and a licensed agent to work with.
Insurance agents in Douglasville come in two varieties
If you’re trying to find a local agent, there are two different agency structures to choose from. Agencies in Douglasville are classified as either independent (non-captive) or captive.
Independent Insurance Agents
Independent agencies do not work for one specific company but instead can place your coverage amongst many companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent. When searching for an agent, we recommend you include price quotes from at a minimum one independent agency for maximum quote selection.
Listed below are Douglasville independent insurance agents who can help you get comparison quotes.
Sleek and Williamson Insurance – 6575 Spring St – Douglasville, GA 30134 – (770) 489-2403
Nash Stephens Agency Inc – 3417 Highway 5 # C – Douglasville, GA 30135 – (770) 942-2058
Direct General Ins Agency – 6071 Fairburn Rd – Douglasville, GA 30134 – (770) 489-0203
Bill Upton Agency – 2121 Fairburn Rd # B – Douglasville, GA 30135 – (770) 947-5880
Hanover Insurance Co – – Douglasville, GA 30134 – (770) 920-4624
Captive Insurance Agents
These agents have only one company to place business with and examples are State Farm, AAA, Farmers Insurance or Allstate. They usually cannot give you multiple price quotes so it’s a take it or leave it situation. Captive agencies are trained well on their products and sales techniques which helps them sell insurance even at higher premiums.
Listed below are Douglasville captive agents that are able to give rate quotes.
State Farm Insurance – 8517 Hospital Dr # A – Douglasville, GA 30134 – (770) 942-9088
Allstate Insurance – 8657 Hospital Dr # 100a – Douglasville, GA 30134 – (770) 949-2223
To view a full list of auto insurance agents in Douglasville, view this link.
Choosing an insurance agency needs to be determined by more than just the bottom line cost. Some important questions to ask are:
- If you have an accident, will your rates go up?
- Do they review policy coverages at every renewal?
- Are they properly licensed to sell insurance in Georgia?
- How long has their agency been open in Douglasville?
- Is vehicle mileage a factor when determining depreciation for repairs?
- What is the agency’s Better Business Bureau rating?
- Which company do they place the most coverage with?
- Do they assist clients in filing claims?
Once you have good answers to these questions and an acceptable price quote, it’s possible that you found a car insurance agent that will properly insure your vehicles.
Are online companies an option?
Auto insurance agents are a valuable resource, but you can also find affordable Georgia auto insurance direct online. Some car insurance companies who employ agents also allow you to get quotes and purchase online, and consumers should do that if the lowest rate is your goal.
If you’re apprehensive about not getting advice from an agent when buying direct, this is a normal reaction for first-time shoppers. Car insurance companies give you access to trained agents for getting questions answered. Consumers also can use live help and 24/7 access that can help answer basic questions.
Is auto insurance cheaper online? The answer to that question is complicated since companies use quite a few components which can adversely affect your policy premium. Common logic is that buying direct reduces premiums because there is no agent. For most online online companies, however, marketing their products costs a lot of money so rates may not be all that different from traditional agents.
Affordable auto insurance is possible on the web in addition to many Douglasville insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.
As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut liability limits or collision coverage only to discover later that it was a big mistake. Your aim should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.
More information can be found on the website for the Georgia Insurance and Safety Fire Commissioner. Click here for link. Georgia drivers can learn about insurance regulations, file complaints about an insurance agent or broker, find out industry alerts, and view agent and company licensing information.
Also read more on III.org’s auto insurance page and CarInsuranceDIY.com.