When shopping for auto insurance, choosing the right Dothan auto insurance agent is harder than just making a phone call. We’re guessing you require not only a great agent that can assess your needs, but also the lowest possible price.
With companies like Allstate, Farmers and State Farm as well as independent agents having local Dothan offices, consumers have a hard time knowing which insurance agency will have the best rates, service and coverage. Fortunately, you can use online quoting to assemble a group of insurance agencies from which to choose.
Compare online but buy from a local Dothan agent
Insurance agents are trained to spot inefficiencies and help file insurance claims. The best thing about getting online price quotes is you can get the lowest rates and still have an agent to talk to. And supporting small agencies is important especially in Dothan.
After completing this simple form, your insurance coverage information gets sent to companies in Dothan who will battle for your business. You won’t need to visit any agencies since price quotes are sent to the email address you provide. Now that’s easy!
What type of Dothan car insurance agent is right for you?
When searching for an insurance agent, you need to know there are two types of insurance agents to choose from. Dothan agents are categorized either independent or captive. While both can write coverage properly, but it’s good to learn how they are different since it may influence your agent selection.
Independent Agencies or Brokers
These agents are not required to write business for one company so they can insure your vehicles with many different companies depending on which coverage is best. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency. When shopping rates, it’s recommended you contact at least one independent agent to have the most options to choose from. Many write coverage with lesser-known insurance companies which can save you money.
Below are Dothan independent agents willing to provide price quotes.
- Alfa Insurance Corp – 103 Blissett Dr # 1 – Dothan, AL 36301 – (334) 794-8668
- Ray Preston Agency – 1919 Reeves St # 104 – Dothan, AL 36303 – (334) 793-5150
- Joyce Agency – 803 Camelot Ct – Dothan, AL 36303 – (334) 793-7262
- Agency J and D Insurance – 936 Oak St – Dothan, AL 36301 – (334) 677-0846
- Alfa Insurance Corp – 1314 Westgate Pkwy # 1 – Dothan, AL 36303 – (334) 792-3123
Captive Insurance Agents
This type of agents work for only one company and some examples include Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to place coverage with different providers so always compare other rates. These agents are well schooled on their company’s products which can be an advantage. Consumers often buy insurance from these agents partially due to high brand loyalty and strong financial ratings.
Listed below are captive insurance agents in Dothan who can help you get comparison quotes.
- Allstate Insurance – 2238 Westgate Pkwy – Dothan, AL 36303 – (334) 792-9495
- State Farm Insurance – 2385 S Oates St – Dothan, AL 36301 – (334) 793-8222
For a complete listing of captive agents in Dothan, go to this page.
Deciding on an insurance agency should depend on more than just the premium amount. These questions are important to ask:
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they receive special compensation for putting your coverage with one company over another?
- If you are a high risk driver, do they have special markets for your coverage?
- Will their companies depreciate repairs to your car based on the mileage?
- Do they review policy coverages at every renewal?
Once you have positive feedback to any questions you have as well as a affordable price, most likely you have located an insurance agent that is a good match to properly service your auto insurance policy.
Are online companies an option?
Insurance agents are a valuable resource, but Alabama car insurance can also be bought direct over the internet. A few companies that sell primarily through agents also allow consumers to buy direct online, and online price comparisons are easy if you don’t want to take the time to contact agents.
If you’re apprehensive about choosing your own coverages when shopping online, don’t be too concerned. Online companies have toll-free phone numbers and other options for getting the best coverage.
If the lowest price is important, the best way to know if car insurance prices are lower online or from agents is to get free quotes from both and compare them. You can actually get different rates for the exact same company if you compare an online quote to agent rates. But it’s difficult to know if the company’s rates are lower online or from an agent until after you compare the same coverages each way.
Will you save money buying auto insurance online? Many people think so, but it’s hard to say for sure since there are so many factors that determine your policy premium. Many people think that a shopper who purchases direct saves the commission normally paid to an agent. But in reality, promoting brand recognition is pricey and that can quickly cost more than paying an agent.
Smart consumers save more
Drivers change insurance companies for any number of reasons including policy non-renewal, an unsatisfactory settlement offer, high rates after DUI convictions or delays in responding to claim requests. It doesn’t matter why you want to switch finding a great new company can be pretty painless.
While you’re price shopping online, never reduce coverage to reduce premium. There are many occasions where consumers will sacrifice collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.
Read more about Alabama auto insurance
Additional auto insurance information is available on the Alabama Department of Insurance website. Click here for link. Visitors are able to learn about specific coverages, file complaints about an insurance agent or broker, and find out industry alerts.
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