How to Get a Great Insurance Agency in Oxford

To locate a good Oxford agent, we recommend you start your research by comparing prices online in order to save time. You need a highly trained agent, but also need the cheapest rates you can possibly find.

Because there are so many insurance companies to choose from, it is hard for the average consumer to find the lowest cost car insurance company.

Car Insurance from Oxford insurance agents

Good agents can answer important questions and help you file claims. The best thing about comparing insurance prices online is you may find lower rates and still have an agent to talk to.

Upon completion of this short form, your insurance coverage information is sent to participating agents in Oxford who will return price quotes for your business. There is no need to leave your house because quoted prices will be sent to the email address you provide. Now that’s easy!

Picking an insurance agent shouldn’t rely on just a low price. Agents should be asked these questions:

  • Do they assist clients in filing claims?
  • How many years of experience in personal lines insurance coverages do they have?
  • Are you getting all the discounts the company offers?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Did they already check your driving record and credit reports?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

Do you need an independent or captive auto insurance agent?

When looking for local Oxford agents, you need to know there are two types of insurance agents that you can select. Agents are classified as either independent or captive. While both can do a good job, but it’s important to know how they differ since it may influence the selection process.

Agency Captives

Captive agencies can only write with one company and some examples include Liberty Mutual, State Farm, Allstate and AAA. They generally cannot give you multiple price quotes so it’s a take it or leave it situation. Captive agencies are usually quite knowledgeable in insurance sales which can be an advantage.

Shown below is a list of captive insurance agents in Oxford willing to provide comparison quotes.

Allstate Insurance – 1102 Highway Dr – Oxford, AL 36203 – (256) 831-1780
State Farm Insurance – 1825 Day St – Oxford, AL 36203 – (256) 831-3082

Independent Agents (or Brokers)

Independent insurance agents are not required to write business for one company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage without you having to go to a different agency. When comparing rates, you should always get quotes from multiple independent agents for maximum quote selection.

The following is a short list of independent insurance agents in Oxford who can help you get comparison quotes.

David King Insurance – 6 Hamric Dr W – Oxford, AL 36203 – (256) 835-5929
West Insurance – 1211 Hamric Dr W – Oxford, AL 36203 – (256) 831-0205

To view a full list of auto insurance agents in Oxford, simply jump to this page.

Upon receiving acceptable answers to these questions and an acceptable price quote, you’ve probably found an insurance agent that can properly service your auto insurance policy.

Purchasing car insurance direct online is an option

Insurance agents are perfect for certain consumers, but Alabama drivers can also buy from online companies direct. Even companies, such as Farmers Insurance and State Farm, who have local Oxford agents also let you buy online, so this should also be taken into consideration.

If you’re apprehensive about not getting advice from an agent when buying direct, don’t let it bother you. Online insurance companies that require consumers to choose their own coverages provide customer service to walk you through the process.

Can you find lower rates online? That question is hard to answer since companies use quite a few components that are calculated into your premium. Many people think that a consumer who buys direct lowers rates due to not having any agent compensation. But the reality is promoting brand recognition is pricey and those expenses can offset most of the savings by selling direct.

Oxford Alabama insurance agency

For more information

Even more information is located at the Alabama Department of Insurance website. Alabama drivers can view agent and company licensing information, find disaster information, read consumer alerts, and get help finding coverage.

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A tidy conclusion

People switch companies for a variety of reasons including poor customer service, high rates after DUI convictions, not issuing a premium refund or even extreme rates for teen drivers. Whatever your reason, finding a new auto insurance company is not as hard as you think.

The cheapest auto insurance is definitely available from both online companies and also from your neighborhood Oxford agents, and you should be comparing both in order to have the best price selection to choose from. A few companies may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.