Comparing car insurance companies in Kenner, Louisiana can be challenging because you have many choices and finding the best Louisiana auto insurance agent is harder than just driving to the closest agent’s office. For the sake of this article, we’ll assume you’re looking for a decent agent, but you also need great rates as well.
With Allstate, Farmers, State Farm and many independent agents all competing for your business, it can be hard to know which will provide the best rates, service and coverage. To begin, consumers can use online price quotes to get a list of agents to choose from.
Compare Kenner agent rates online
Professional agents can point out coverage gaps and help submit paperwork. One of the great benefits of price shopping on the web is the fact that you can find better rates but also keep your business local. And supporting local agencies is definitely important in Kenner.
To make it easy to find an agent, after completing this simple form, the quote information is instantly submitted to participating agents in Kenner who will give you bids for your coverage. There is no need to leave your computer due to the fact that quote results will go immediately to your email address. It doesn’t get any easier! You can find the lowest rates and an insurance agent to talk to.
The difference between Kenner car insurance agents
When searching for a reputable insurance agent or broker, you must know there are a couple different agency structures from which to choose. Kenner agents are either captive or independent.
Independent Agents (or Brokers)
Independent agents are not employed by any specific company but rather can write business with lots of companies depending on which coverage is best. To transfer your coverage to a different company, your agent can switch companies and you don’t have to find a new agent. When searching for an agent, it’s recommended you include at least one independent agent to have the most options to choose from. They often place coverage with different regional companies who may have lower rates.
Below are independent agents in Kenner that are able to give competitive price quotes.
- L and M Insurance Svc – 3645 Williams Blvd # 205 – Kenner, LA 70065 – (504) 443-1200
- Hanover Insurance Co – 2400 Veterans Memorial # 400 – Kenner, LA 70062 – (504) 464-6012
Captive Insurance Agents
Captive agencies can only place business with one company and examples are AAA, State Farm, Farmers Insurance and Allstate. They usually cannot give you multiple price quotes so keep that in mind. They receive extensive training on their company’s products which can be an advantage. Some people will only buy insurance from these agents mainly due to the prominence of the brand and the convenience of having all coverages with one company.
The following is a list of captive agencies in Kenner willing to provide price quotes.
- State Farm Insurance – 2401 Veterans Memorial Bl # 7 – Kenner, LA 70062 – (504) 469-1421
- Allstate Insurance – 4240 Williams Blvd # 4 – Kenner, LA 70065 – (504) 468-3235
To view a full list of Kenner captive agents, please click here.
Picking an insurance agent requires more thought than just a cheap price. Any agent should be forthright in answering these questions:
- Do the coverages you’re quoting properly cover your vehicle?
- What insurance company do they write the most business with?
- If your car is in the repair shop, do you have coverage for a rental car?
- How much can you save by raising your physical damage deductibles?
- Is their price quote a firm figure or are their hidden costs?
- Are claims handled at the agent’s location?
Upon receiving acceptable answers to these questions and locked in a price quote, chances are good that you have found an auto insurance agent that will insure your vehicles.
Isn’t it cheaper to buy direct online?
Car insurance agents serve a purpose, but Louisiana drivers can also buy direct over the internet. A few companies, such as State Farm, Allstate and Farmers, who sell through the agent channel also give you the option to buy direct online, and consumers should do that.
If you’re worried about not having someone to ask questions when buying car insurance direct, that is quite common when buying online the first time. All companies all have toll-free customer service that you can contact for information.
If you just want to find lower premiums, the most effective way to determine if the cheapest policy comes from an agent or online is comparing rate quotes from both. Lots of times people will get different prices when comparing quotes online and from an agent from the exact same provider. But you can’t find out if the company’s rates are lower online or from an agent unless you compare quotes for identical coverages each way.
Are online rates lower? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because there are many factors that influence your rates. It’s a common assumption that buying online saves money because there is no agent involvement. But that assumption is generally incorrect because it’s expensive to advertise so the rates may be similar to buying from an agent.
And the best car insurance company is…
When you buy insurance online, make sure you don’t buy poor coverage just to save money. There are many occasions where an accident victim reduced physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at the best price, not the least amount of coverage.
Drivers leave their current company for a variety of reasons including an unsatisfactory settlement offer, poor customer service, being labeled a high risk driver or delays in responding to claim requests. Regardless of your reason, finding the right car insurance provider can be easier than you think.
Additional consumer information websites
More information is located on the Louisiana Department of Insurance website located here. Consumers can discover disciplinary actions, find out which companies have the most complaints, and learn about insurance regulations.
The articles below may also help you learn more about car insurance in Kenner