How-to Guide to Finding a Car Insurance Agent in Northport

When finding a good insurance agent in Northport, AL, we recommend you start your search by comparing prices online in order to save time. You need an excellent agent, but also need cheap rates.

There is such a variety of auto insurance agents to choose from, and even though it’s nice to have a selection, it can be more challenging to find the lowest rates.

Northport agents for car insurance

Good agents can help determine the best coverages and help you file claims. The best thing about comparing insurance prices online is the fact that you can find the best rates and still have an agent to talk to.

By using this short form, your insurance data is instantly submitted to local insurance agents in Northport who will compete to get your business. You won’t need to visit any agencies since price quotes are sent immediately to your email address. Now that’s easy! It’s the lowest rates AND an agent nearby.

Choosing an insurance agent needs to be determined by more than just the premium amount. Some important questions to ask are:

  • Does the agency provide any after hours assistance?
  • Are there any discounts that you might be missing?
  • Can glass repairs be made at your home?
  • Which insurance companies are they affiliated with?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • How long have they worked with personal auto insurance coverage?

The type of insurance agent you choose is important

When researching a reliable agent, you must know there are a couple types of insurance agents that you can select. Agencies in Northport can either be captive or independent.

Captive Insurance Agents

This type of agents have only one company to place business with such as Allstate, State Farm and Farmers Insurance. Captives cannot shop your coverage around so they have no alternatives for high prices. These agents are trained well on their company’s products which helps them compete with independent agents.

Shown below are Northport captive agents willing to provide price quotes.

Allstate Insurance – 5550 Mcfarland Blvd – Northport, AL 35476 – (205) 333-0070
Farmers Insurance Group – 917 Mcfarland Blvd # A – Northport, AL 35476 – (205) 330-0900
State Farm Insurance – 525 Energy Center Blvd # 1604 – Northport, AL 35473 – (205) 345-6390

Independent Agents (or Brokers)

Independent agencies do not work for one specific company so they have the ability to put coverage with multiple insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies. When shopping rates, it’s recommended you get quotes from several independent insurance agents to have the most options to choose from.

Shown below are Northport independent insurance agencies who can help you get rate quotes.

Woodie Washington Jr Insurance – 1318 Lurleen B Wallace Bl # D – Northport, AL 35476 – (205) 345-7920
Buttram Agency – 1002 Mcfarland Blvd # G – Northport, AL 35476 – (205) 339-8814
Brenda Thomas Agency – 915 Mcfarland Blvd # A – Northport, AL 35476 – (205) 330-0905
Allen Insurance Inc – 3920 Mcfarland Blvd – Northport, AL 35476 – (205) 333-7133

To view a full list of car insurance agents in Northport, please view this page.

Upon getting acceptable answers to all your questions and locked in a price quote, you have narrowed it down to a car insurance agent that can provide car insurance coverage.

Are Progressive, GEICO and Esurance cheaper?

Auto insurance agents serve a purpose, but Alabama car insurance can also be bought directly from online companies. Certain companies like State Farm and Allstate who have local agents in Northport also give you the ability to buy a policy online, and consumers should do that if you’re trying to lower your rates.

If you’re uncomfortable with not having an insurance agent’s advice, that is quite common when buying online the first time. Online companies provide toll-free numbers for getting the best coverage. Most companies also provide online education and live help anytime so buying online is not difficult.

Will auto insurance cost less online? The answer is complex because there are a lot of things that can increase policy rates. It’s often assumed that a customer who purchases direcly from an online company saves money because there is no commission. For most online online companies, however, marketing expenses are significant and that can quickly cost more than paying an agent.

quotes for Alabama insurance

One last thing

As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. There are many occasions where someone dropped uninsured motorist or liability limits only to discover later that the savings was not a smart move. The ultimate goal is to find the BEST coverage for the lowest price.

Cheap car insurance can be found both online in addition to many Northport insurance agents, and you need to comparison shop both to have the best rate selection. A few companies do not provide you the ability to get quotes online and these smaller companies work with independent agents.

More sites with car insurance information

Even more information is available at the Alabama Department of Insurance website. Alabama drivers can find a variety of consumer forms, report car insurance fraud, learn about insurance regulations, and read industry bulletins.

Additional helpful sites include Auto Insurance 101 and this list of insurance agents in Northport, AL.