How to Get the Cheapest Car Insurance Rates From Agencies in Tuscaloosa

When pricing car insurance in Tuscaloosa, AL, there are a lot of options and choosing the right Tuscaloosa auto insurance agent is not as easy as just using the same car insurance agent as your neighbor. Consumers require a good professional insurance agent, and also the lowest rates for car insurance in Tuscaloosa.

Many car insurance agents compete for your hard-earned dollar, so it can be very hard to choose a insurance agency to find the absolute cheapest price

Buying car insurance from a local Tuscaloosa agent

Good agents can answer important questions and give you peace of mind. The biggest benefit of price shopping on the web is that you can obtain lower rates and still choose a local agent.

After filling out this quick form, your insurance coverage information is sent to agents in your area who will compete to get your business. There is no need to drive around since price quotes are sent directly to your email. Now that’s easy!

Deciding on an insurance agency shouldn’t rely on just a low price. Any agent should be forthright in answering these questions:

  • Who are their largest clients?
  • If they are an independent agency, which companies do they recommend?
  • Does the company allow you to choose your own collision repair facility?
  • If your car is totalled, how to they determine the replacement cost?
  • Is the agency involved in supporting local community causes?
  • Did they already check your driving record and credit reports?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Will their companies depreciate repairs to your car based on the mileage?

Tuscaloosa auto insurance agents come in two flavors

When looking for local Tuscaloosa agents, there are two different agency structures that differ in how they can insure your vehicles. Tuscaloosa agents are either independent or captive. While both can write coverage properly, but it’s worth mentioning how they are different since it can impact buying decisions.

Agency Captives

These agents can only write with one company and examples are American Family, State Farm and Allstate. They generally cannot provide prices from multiple companies so they are skilled at selling on more than just price. Captive agents are very knowledgeable on their products and sales techniques which helps them compete with independent agents.

The following are Tuscaloosa captive insurance agents that are able to give price quotes.

Farmers Insurance Group – 2710 Skyland Blvd E – Tuscaloosa, AL 35405 – (205) 556-5175
State Farm Insurance – 320 Hargrove Rd E – Tuscaloosa, AL 35401 – (205) 758-3331
Allstate Insurance – 6521 Highway 69 S # B – Tuscaloosa, AL 35405 – (205) 248-0303

Independent Agents

These agents are not employed by any specific company but rather can write business 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 won’t have to switch agencies. When searching for an agent, you should always contact at least one independent agent to ensure the widest selection of prices.

Below are independent agents in Tuscaloosa that are able to give price quotes.

Alfa Insurance Corp – 516 Bryant Dr E – Tuscaloosa, AL 35401 – (205) 750-0020
Fields Agency – 1110 15th St # K – Tuscaloosa, AL 35401 – (205) 758-4504
Anders Insurance Agy – 2710 Skyland Blvd E # B – Tuscaloosa, AL 35405 – (205) 556-7052
Scott Widberg Agency – 124 University Blvd # B – Tuscaloosa, AL 35401 – (251) 344-7007
Jack Kubiszyn Agency – 2306 University Blvd – Tuscaloosa, AL 35401 – (205) 345-5650

For a complete listing of licensed insurance agents in Tuscaloosa, visit this site.

After getting satisfactory answers and a low price estimate, most likely you have located an insurance agent that can insure your vehicles.

Online car insurance providers

Car insurance agents are important to many people, but Alabama consumers also have the option to buy direct online. Some companies like Allstate and State Farm who have local agents in Tuscaloosa also permit you to buy direct on their websites, so that should be considered to possibly find a better rate.

If you’re concerned about not getting proper coverage when buying car insurance direct, don’t sweat it. Companies provide toll-free numbers for getting advice on proper coverages.

Is pricing better online? That is a tough question to answer because of the fact that insurance companies use many factors that influence the price you pay. Common sense would say that purchasing direct online saves money by not requiring a commission. But in most cases, advertising budgets are huge and this tends to eat up any savings.

find Tuscaloosa Alabama insurance agents

More effort can pay off

Low-cost car insurance is available online in addition to many Tuscaloosa insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

When shopping online for car insurance, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut liability limits or collision coverage only to find out that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at the best price.

Additional Alabama car insurance resources

More tips and info about car insurance is available at the Alabama Department of Insurance website. Consumers can read industry bulletins, learn about specific coverages, find disaster information, and read consumer alerts.

Other related articles: