If you’re looking to buy car insurance, picking a good Alabama insurance agent is harder than just picking up the phone. You need a good professional insurance agent, and also want to find the lowest rates for car insurance in Enterprise.
Because you have many choices of insurance companies, it can be challenging to pick the most cost effective company.
Buying car insurance locally
Licensed agents can answer important questions and help you file claims. The biggest benefit of getting online price quotes is that you can obtain better rates and still choose a local agent.
For easy comparison, once you complete this simple form, the quote information gets sent to local insurance agents in Enterprise who will battle to get your business. You don’t have to drive around due to the fact that quote results will go immediately to your email address. How’s that for easy!
Deciding on a car insurance agent needs to be determined by more than just the premium amount. These questions are important to ask:
- How long have they worked with personal auto insurance coverage?
- How often do they review policy coverages?
- Do they carry Errors and Omissions coverage?
- Did they already check your driving record and credit reports?
- If your car is in the repair shop, do you have coverage for a rental car?
- Does the agency provide any after hours assistance?
Two types of insurance agents
When researching a good Enterprise insurance agent, there are two types of insurance agents that differ in how they can insure your vehicles. Enterprise agents are either captive or independent (non-captive). Either one can insure your vehicles, but it’s worth learning how they are different because it can impact the selection process.
Captive Insurance Agents
Captive insurance agents are contracted to one company like Allstate, AAA, Liberty Mutual and State Farm. They are unable to compare other company’s rates so always compare other rates. Captives receive extensive training on the products they sell which can be an advantage.
Below is a short list of captive insurance agents in Enterprise willing to provide comparison quotes.
Allstate Insurance – 1255 Rucker Blvd – Enterprise, AL 36330 – (334) 308-9494
Farmers Insurance Group – 1247 Rucker Blvd – Enterprise, AL 36330 – (334) 393-1306
State Farm Insurance – 1115 Boll Weevil Cir – Enterprise, AL 36330 – (334) 347-5731
Independent Agencies or Brokers
Independent insurance agents are not locked into one company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies.
When comparing rates, we recommend you contact at least one independent agent to have the most options to choose from.
Listed below is a short list of independent insurance agents in Enterprise that can give you price quote information.
Ronny Thornton Insurance – 101 George Wallace Dr – Enterprise, AL 36330 – (334) 347-1470
Alfa Insurance Corp – 1014 Rucker Blvd # D – Enterprise, AL 36330 – (334) 347-8486
For a complete listing of Enterprise insurance agents, please view this page.
Upon getting good answers for all questions you ask as well as a affordable price, it’s possible that you found an insurance agent that is a good match to adequately provide car insurance.
Are online companies an option?
Auto insurance agents are important to many people, but you can also buy Alabama car insurance directly from online companies. Even companies who employ agents additionally provide the ability to buy direct online. This is something to consider if you don’t want to take the time to contact agents.
If you’re concerned about not having professional advice when buying car insurance direct, don’t be too concerned. Online companies that require consumers to choose their own coverages provide customer service to help you decide which coverages are appropriate.
Do customers save by switching to an online company? It’s difficult to say for sure due to the fact that there are many factors that impact your rate calculation. Many people think that purchasing direct online saves money because there is no commission. In many cases, online and traditional media advertising are expensive and those expenses can offset most of the savings by selling direct.
Cheaper insurance is a realistic goal
Affordable car insurance can be bought both online as well as from independent agents in Enterprise, and you should compare price quotes from both to have the best selection. Some car insurance companies don’t offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
When trying to cut insurance costs, never buy less coverage just to save a little money. There are too many instances where someone sacrificed collision coverage only to find out that it was a big error on their part. The proper strategy is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.
Even more information can be found at the Alabama Department of Insurance website. Consumers can find out which companies have the most complaints, view agent and company licensing information, and find a variety of consumer forms.
Other informative sites include these car insurance answers and this link which helps you find a Enterprise agent.
