Florence Car Insurance Agents – Do Your Homework Online

To find a good insurance agent in Florence, AL, you can always start your search by comparing rates online rather than looking in the yellowpages. You require a good agent that listens to you, and also want to find the cheapest rates you can possibly find.

You have so many auto insurance agents to choose from, and though it is a good thing to have a selection, too many choices makes it more difficult to compare rates and cut insurance costs.

Local Florence agents and auto insurance

Agents can point out coverage gaps and help you file claims. One of the best bonuses of getting online price quotes is you may find the lowest rates and still choose a local agent.

After filling out this simple form, your insurance coverage information is transmitted to participating agents in Florence who will give you bids for your coverage. There is no reason to even leave your home as quotes are delivered straight to your inbox. It doesn’t get any easier! You can find better rates AND a local agent.

Picking an insurance agent shouldn’t rely on just a low price. Ask your prospective agent these questions:

  • Do they regularly work with personal auto policies?
  • What is the agency’s Better Business Bureau rating?
  • How many years of experience in personal lines insurance coverages do they have?
  • Do they receive special compensation for putting your coverage with one company over another?
  • If they are an independent agency, which companies do they recommend?

Choose the right insurance agent

When looking for a reputable insurance agent or broker, you need to know there are two types of insurance agents to choose from. Agencies in Florence are categorized either captive or independent.

Agency Captives

Captive agencies work for only one company like Farmers Insurance or State Farm. They generally cannot shop your coverage around so it’s a take it or leave it situation. These agents receive extensive training in insurance sales which can be an advantage.

Listed below are Florence captive insurance agents that are able to give price quotes.

Allstate Insurance – 206 Cox Creek Pkwy # A – Florence, AL 35630 – (256) 718-3554
Farm Bureau Insurance – 1905 Florence Blvd – Florence, AL 35630 – (256) 765-0088
State Farm Insurance – 1553 Florence Blvd – Florence, AL 35630 – (256) 766-1703
Farmers Insurance Group Agent – 1604 Mockingbird Ct – Florence, AL 35630 – (256) 767-5555

Independent Agents

Independent insurance agents are not required to write business for one company so they can insure your vehicles with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, your agent can switch companies and you don’t have to find a new agent. When shopping rates, we recommend you get quotes from several independent insurance agents to have the most options to choose from.

Shown below are Florence independent insurance agencies willing to provide price quotes.

Strategic Insurance Advisors – 114 W Dr Hicks Blvd # 600 – Florence, AL 35630 – (256) 767-6111
Greider Agency – 918 Florence Blvd – Florence, AL 35630 – (256) 760-8800
Porter Agency PC – 618a E Tennessee St – Florence, AL 35630 – (256) 764-3002
Bob Moore Agency – 2083 Florence Blvd – Florence, AL 35630 – (256) 740-0886
Mike Franks Insurance – 1705 N Wood Ave – Florence, AL 35630 – (256) 764-9501

To view a full list of Florence insurance agents, click here to link.

After receiving positive responses and locked in a price quote, you may have just found an insurance agent that meets your needs to service your policy.

Can you save by buying online?

Insurance agencies are important, but you also have the option of buying Alabama car insurance direct from companies that only sell online. Certain companies, such as State Farm, Allstate and Farmers, who have local agents in Florence also give you the option to get a quote and buy online, and online price comparisons are easy.

If you’re uncomfortable with not getting proper coverage when buying online, this is normal but is quickly overcome. Companies that require consumers to choose their own coverages all have client service departments for getting questions answered. Additionally, most companies also offer anytime access to help and a customer research section to help you answer questions.

Will buying online save you money? It’s difficult to provide an answer due to the fact that there are multiple individual factors that are calculated into your premium. It’s a logical assumption that going direct saves money because there is no commission. In many cases, getting their brand in front of customers is expensive so rates may not be all that different from traditional agents.

best Florence AL agent

Affordable insurance is out there

Lower-priced auto insurance can be purchased online and also from your neighborhood Florence agents, and you should be comparing both in order to have the best chance of saving money. A few companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. Too many times, an insured dropped full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

Learn more about Alabama auto insurance

Additional detailed information can be read at the Alabama Department of Insurance website. Alabama consumers can file complaints about a company, find out which companies have the most complaints, and find a variety of consumer forms.

The following information may also be useful.