Guide to Finding a Car Insurance Agent in Thibodaux

Finding good auto insurance in Thibodaux can be challenging since finding the best Louisiana insurance agency is not as easy as just driving to the closest agent’s office. For this article’s sake, it’s assumed you’re wanting a professional licensed agent, but also great rates as well.

With insurance companies like Allstate, Farmers, State Farm and many independent agents all competing for your business, consumers have a hard time knowing which will have the best service and rates. Fortunately, consumers can use online quoting to assemble a group of agents to choose from.

Comparing prices from Thibodaux agents

Licensed agents can answer important questions and help file insurance claims. The best thing about getting online price quotes is you may find better rates and still choose a local agent. Supporting small agencies is definitely important in Thibodaux.

By using this short form, your information is instantly submitted to participating agents in Thibodaux who will compete to get your business. There is no reason to leave your house because quoted prices will be sent to your email. It doesn’t get any easier! It’s the lowest rates and work with a local agent.

Captive and independent Thibodaux insurance agencies

When searching for a reliable agent, there are a couple of types of insurance agents to choose from. Thibodaux agents can either be captive or independent (non-captive).

Independent Insurance Agents

Independent agents are not required to write business for one company but rather can write business with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency. When searching for an agent, you should always include price quotes from at a minimum one independent agency to have the most options to choose from.

Listed below is a list of independent insurance agents in Thibodaux that can give you rate quotes.

A Access Insurance Inc – 805 Saint Mary St # 111 – Thibodaux, LA 70301 – (985) 447-2880
Shaver-Robichaux Insurance Svc – 1241 Canal Blvd – Thibodaux, LA 70301 – (985) 448-2590
Direct General Ins Agency – 109 Peltier Plz – Thibodaux, LA 70301 – (985) 447-3000

Captive Insurance Agents

Captive insurance agents can only write with one company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. Captives cannot shop your coverage around so it’s a take it or leave it situation. Captive agencies are trained well on their products and sales techniques and that can be a competitive advantage.

Shown below is a short list of captive agencies in Thibodaux that can give you comparison quotes.

Allstate Insurance – 700b Saint Mary St – Thibodaux, LA 70301 – (985) 447-8150
State Farm Insurance – 801 Saint Mary St – Thibodaux, LA 70301 – (337) 289-1810
Farm Bureau Insurance – 1539 Highway 1 – Thibodaux, LA 70301 – (985) 447-3870

To view a full list of captive insurance agents in Thibodaux, visit this site.

Choosing an insurance agent requires more thought than just the price. Any agent should be forthright in answering these questions:

  • What are the financial ratings for the companies they represent?
  • Can they provide you with a list of referrals?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Do they review policy coverages at every renewal?
  • How much will you save each year by using a higher deductible?

Upon receiving positive feedback to these questions in addition to an acceptable price estimate, it’s possible that you found an auto insurance agent that meets your needs to properly insure your vehicles.

Online companies appeal to some consumers

Licensed agents are important, but you can also find affordable Louisiana auto insurance direct from companies that only sell online. Even companies, such as State Farm, Allstate and Farmers, who sell through agents in Thibodaux also give you the option to get quotes and purchase online, and that can save time as an alternative to contacting agents.

If you’re uncomfortable with having to choose coverages yourself when buying direct, this is a normal reaction for first-time shoppers. Online insurance companies have customer service departments to answer any questions you may have.

Are online rates lower? It’s hard to say exactly because there are so many things that are calculated into your premium. It’s logical to say that buying car insurance online saves the commission normally paid to an agent. For most online online companies, however, promoting brand recognition is pricey so there may not be significant savings.

compare Thibodaux insurance agents

If the best price is important to you, the most effective way to determine if car insurance prices are lower online or from agents is comparing prices for both of them. Even though it sounds odd, people frequently get different pricing comparing agents to online prices for the same auto insurance company.

To learn even more about auto insurance

More information can be read on the website for the Louisiana Department of Insurance found here. Consumers can report car insurance fraud, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and read state legal mandates and laws.

In the end, you save

People switch companies for any number of reasons including questionable increases in premium, delays in paying claims, lack of trust in their agent or denial of a claim. No matter why you want to switch, choosing a new insurance company can be less work than you think.

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, an insured cut comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.