How-to Guide to Finding an Auto Insurance Agent in Ruston

To locate a good insurance agent in Ruston, LA, you can always begin your search on the internet to save yourself time. You require a professional agent, but also cheaper auto insurance prices.

Having so many choices of insurance companies, it can be impossible to locate the best insurer.

Why do I need an agent?

Good agents can point out coverage gaps and help you file claims. One of the great benefits of comparing insurance prices online is you can get the lowest rates but still work with a licensed agent.

Upon completion of this quick form, the quote information is submitted to participating agents in Ruston who will compete for your insurance coverage. There is no reason to even leave your home due to the fact that quote results will go to your email. It doesn’t get any easier! Get lower rates AND a local agent.

Deciding on an insurance agent shouldn’t rely on just the bottom line cost. Any agent should be forthright in answering these questions:

  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Which company do they place the most coverage with?
  • How often do they review policy coverages?
  • Are claims handled at the agent’s location?
  • What is the agency’s Better Business Bureau rating?
  • Does the agency support the community they serve?
  • Are they properly licensed to sell insurance in Louisiana?
  • If your car is totalled, how to they determine the replacement cost?

Pick the best insurance agent in Ruston for you

When searching for a reliable agent, you need to know there are two types of agencies that differ in how they can insure your vehicles. Insurance agencies in Ruston are categorized either independent (non-captive) or captive.

Agency Captives

Captive insurance agents can only write with one company and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They are unable to give you multiple price quotes so they are skilled at selling on more than just price. They are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums.

Listed below are Ruston captive agencies that can give you price quotes.

Allstate Insurance – 207 W California Ave – Ruston, LA 71270 – (318) 255-1500
Shelter Insurance – 829 E Georgia Ave # 1 – Ruston, LA 71270 – (318) 255-1792
Farm Bureau Insurance – 2602 Highway 33 – Ruston, LA 71270 – (318) 255-2908
Liberty Mutual – 504 Center St – Ruston, LA 71270 – (318) 254-5279
State Farm Insurance – 1001 N Trenton St – Ruston, LA 71270 – (318) 255-6301

Independent Agents (or Brokers)

Independent agents are not required to write business for one company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part. When shopping rates, it’s recommended you include multiple independent agents to ensure the widest selection of prices.

Listed below are independent insurance agents in Ruston willing to provide price quotes.

Insurance Depot – 213 N Vienna St – Ruston, LA 71270 – (318) 254-1152
Southern States General Agency – 600 N Trenton St – Ruston, LA 71270 – (318) 255-6163
Robert Temple Insurance – 935 N Trenton St – Ruston, LA 71270 – (318) 251-1132
Greg Mc Carter Agency – 2028 E Kentucky Ave – Ruston, LA 71270 – (318) 255-1444
Lincoln Agency – 927 N Trenton St – Ruston, LA 71270 – (318) 255-2913

For a full directory of insurance agents in Ruston, click here to link.

After getting positive responses and an acceptable price quote, it’s possible that you found an auto insurance agent that is a good match to insure your vehicles.

Include online companies when price shopping

Insurance agents are important, but you can also buy Louisiana car insurance direct from companies that only sell online. Certain companies like Allstate and State Farm who sell through agents in Ruston additionally provide the ability to buy a policy online, so keep that in mind if you prefer to buy online.

If you’re apprehensive about not receiving proper advice when buying car insurance direct, that shouldn’t be an issue. Online insurance companies provide access to licensed agents for getting the best coverage. Consumers also can use the ability to chat online live with a sales rep and online research so you can feel comfortable buying online.

Is auto insurance cheaper online? The answer is complex because there are many components that influence the price you pay. Many people think that a consumer who buys direct saves the commission normally paid to an agent. But in most cases, getting their brand in front of customers is expensive so there may not be significant savings.

The only way to determine if prices are better online or from an agent is getting rates for as many of both types of providers as possible. Lots of times people will get different prices when using both online and agent quotes for the exact same company.

compare Ruston Louisiana insurance agents

More detailed Louisiana auto insurance information can be found at the Louisiana Department of Insurance website. Louisiana consumers can find out which companies have the most complaints, download brochures, read consumer alerts, and find out industry alerts.

Other useful links include’s auto insurance page and this list of insurance agents in Ruston, LA.

Best coverage at the best price

When trying to cut insurance costs, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where an insured dropped collision coverage only to regret they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage for the lowest price.

Consumers switch companies for any number of reasons including an unsatisfactory settlement offer, lack of trust in their agent, policy cancellation and not issuing a premium refund. Regardless of your reason, finding the right auto insurance provider can be easy and end up saving you some money.