Selecting a auto insurance company in Monroe, Louisiana can be time consuming since there are a lot of options and finding the best Louisiana insurance agency is not as easy as just using the same auto insurance agent as your neighbor. It’s assumed you’re looking for a decent agent, but you also want to find great rates as well.
With insurance companies like American Family, Allstate, State Farm and independent agents having local Monroe offices, it’s hard to tell which will provide the cheapest rates and the best coverage. To begin, consumers can use online price quotes to assemble a group of insurance agencies to choose from.
Quote online, buy local
Professional agents can answer important questions and help in the event of a claim. The biggest benefit of getting online price quotes is you can get lower rates but still work with a licensed agent. And supporting local businesses is definitely important in Monroe.
After filling out this short form, your information is submitted to local insurance agents in Monroe who will compete for your business. There is no need to leave your computer due to the fact that quote results will go immediately to your email address. Now that’s easy!
Compare rates from both independent and captive insurance agents
When researching a good insurance agency, you must know there are a couple types of insurance agents from which to choose. Agencies in Monroe are classified as either independent or captive. Both types can write coverage properly, but it’s important to know how they are different since it may influence your agent selection.
Independent Agencies or Brokers
Independent agents are not locked into one company so they can insure your vehicles with any number of different companies enabling the ability to shop coverage around. If your agent finds better pricing, an independent agent can move your coverage and you won’t have to switch agencies. When searching for an agent, you should always contact at least one independent agent for maximum quote selection.
Listed below are independent agencies in Monroe that can give you price quotes.
Associated Insurance – 1101 N 3rd St – Monroe, LA 71201 – (318) 325-1650
Direct General Ins Agency – 2820 Louisville Ave – Monroe, LA 71201 – (318) 324-1132
Kevin Woods Insurance – 1813 Roselawn Ave – Monroe, LA 71201 – (318) 387-3394
Dave Gilliland Agency – 1412 University Ave – Monroe, LA 71203 – (318) 343-9992
St Francis Agency – 418 Jackson St – Monroe, LA 71201 – (318) 327-7171
Captive Insurance Agents
Captive insurance agents have only one company to place business with like Allstate, Farmers Insurance, State Farm and AAA. They usually cannot place coverage with different providers so keep that in mind. They are well schooled on their company’s products which helps them sell insurance even at higher premiums.
Listed below are captive insurance agencies in Monroe willing to provide price quotes.
State Farm Insurance – 1800 Bienville Dr – Monroe, LA 71201 – (318) 324-6900
Farm Bureau Insurance – 2100 Forsythe Ave – Monroe, LA 71201 – (318) 323-1344
Shelter Insurance – 2225 Justice St # D – Monroe, LA 71201 – (318) 387-4068
Allstate Insurance – 509 Arkansas Ave – Monroe, LA 71201 – (318) 325-9442
For a complete listing of auto insurance agents in Monroe, simply jump to this page.
Choosing an insurance agent shouldn’t rely on just the bottom line cost. Ask your prospective agent these questions:
- Do they specialize in personal lines coverage?
- Are claims handled at the agent’s location?
- How are claims handled?
- How long have they worked with personal auto insurance coverage?
- Did they already check your driving record and credit reports?
- What insurance companies do they recommend if they are an independent agent?
- What insurance company do they write the most business with?
- What are the financial ratings for the companies they represent?
Once you have reasonable responses to all your questions and an affordable coverage quote, you may have just found an insurance agency that will adequately provide auto insurance.
Can you save by buying online?
Local insurance agents are a valuable resource, but Louisiana drivers can also buy from online companies direct. Certain auto insurance companies, such as Farmers Insurance and State Farm, that are more known for using agents, additionally provide the ability to get quotes and purchase online, and consumers should do that if the lowest rate is your goal.
If you’re uneasy about not getting advice from an agent when buying direct, don’t sweat it. All companies have customer service departments for getting questions answered. Additionally, most companies also offer anytime access to help and a customer research section so buying online is not difficult.
Will auto insurance cost less online? The answer is complex because there are so many things that can increase policy rates. Common sense would say that buying direct prevents the agent from taking a cut. But the fact is, marketing expenses are significant and that impacts the rates consumers pay.
The only way to know who has the best rates, online companies or local insurance agents, is to compare price quotes from both. It’s possible to get different rates returned by the same company depending on where you get the price quote from. It’s not possible to know which has the best rates without quoting identical coverages using both methods.
One last thing about your coverage
People switch companies for a variety of reasons including high rates after DUI convictions, being labeled a high risk driver, high prices or even an unsatisfactory settlement offer. No matter why you want to switch, finding the right auto insurance provider is actually quite simple.
While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, an insured cut full coverage only to discover later they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at a price you can afford.
For more reading
More information is located on the website for the Louisiana Department of Insurance found here. Visitors are able to find a variety of consumer forms, read consumer alerts, and find out which companies have the most complaints.
The following articles may also be useful.