Learn How to Find an Auto Insurance Agent in Valdosta

If you’re trying to find a good insurance agent in Valdosta, Georgia, you can start your research by comparing rates online in order to save time. It’s likely you’re wanting a professional licensed agent, but you also want the best rates possible.

With insurance companies like State Farm, Allstate and Farmers Insurance all competing for your business, it’s difficult to determine which will have the cheapest rates and the best coverage. Fortunately, consumers can get online quoting to get a list of agents to choose from.

Your local neighborhood insurance agent

Insurance agents can answer important questions and give you peace of mind. The biggest benefit of getting online price quotes is you may find the best rates but also keep your business local. And providing support for small agencies is especially important in Valdosta.

For easy comparison, once you complete this quick form, your insurance data is instantly submitted to insurance agents in Valdosta who will return price quotes for your insurance coverage. You won’t need to leave your computer since price quotes are sent to the email address you provide. How cool is that?! Get lower rates AND an agent nearby.

The different types of insurance agents

When finding a good insurance agency, you need to know there are two types of insurance agents from which to choose. Valdosta agents are categorized either captive or independent.

Independent Agencies or Brokers

These agents do not work for one specific company so they can insure your vehicles amongst many companies depending on which coverage is best. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent. When searching for an agent, it’s a good idea to include several independent insurance agents to get the best comparison.

Shown below are Valdosta independent insurance agencies willing to provide pricing information.

Davis-Garvin Agency Inc – 1030 Cherokee St – Valdosta, GA 31602 – (229) 293-9181
Davis Garvin Agency Inc – 2200 N Patterson St – Valdosta, GA 31602 – (229) 293-9181
Direct General Ins Agency – 400 W Central Ave – Valdosta, GA 31601 – (229) 241-1314
Woodmen Of The World Insurance – 2710 Sheridan Pl – Valdosta, GA 31602 – (229) 247-4946
Bauman Insurance – 1301 Melody Ln – Valdosta, GA 31601 – (229) 245-9911

Agency Captives

Captive insurance agents are contracted to one company like AAA, State Farm, Farmers Insurance and Allstate. Captives cannot shop your coverage around so keep that in mind. These agents are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums.

Listed below are Valdosta captive insurance agents willing to provide rate quotes.

Allstate Insurance – 1004 N Patterson St – Valdosta, GA 31601 – (229) 241-7950
State Farm Insurance – 3565 Northcrossing Cir – Valdosta, GA 31602 – (229) 247-7127

To view a full list of captive agencies in Valdosta, please view this page.

Selecting an insurance agent should depend on more than just a low price. Agents should be asked these questions:

  • Will their companies depreciate repairs to your car based on the mileage?
  • Do they review policy coverages at every renewal?
  • Are you getting all the discounts the company offers?
  • How long has their agency been open in Valdosta?
  • How are they compensated?

After receiving good answers to any questions you have as well as a affordable price, you’ve probably found an insurance agent that will insure your vehicles.

Is buying direct online an option?

Licensed agents are indespensible for some people, but you also have the option of buying directly from online companies. Some companies who have local agents in Valdosta also allow consumers to buy online, so that should be considered if you want to do it yourself.

If you’re apprehensive about selecting your own policy coverages, this is expected but don’t let that bother you. Insurance companies that require consumers to choose their own coverages have customer service departments to answer your questions. They also have extensive coverage information and 24/7 assistance to help you answer questions.

Are online premiums lower? The answer to that question is complicated since there are so many factors that impact your rate calculation. It’s a common assumption that shopping online for auto insurance saves the cost of an agent commission. But in reality, the cost of constant advertising is expensive and that can cost more than having to pay agents.

quotes for Valdosta GA insurance

The only method to determine if car insurance prices are lower online or from agents is making fair comparisons of each of their rates. You could possible even receive different price quotes when using both online and agent quotes for the identical company. But it’s impossible to know where you can get the lowest rates without quoting coverages from both ways.

More information is located on the website for the Georgia Insurance and Safety Fire Commissioner. Click here for link. Consumers can file complaints about a company, discover disciplinary actions, view agent and company licensing information, and read enforcement actions against agents and companies.

What is YOUR best insurance company?

While you’re price shopping online, never buy less coverage just to save a little money. In too many instances, an insured dropped liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at an affordable rate while still protecting your assets.

Insureds who switch companies do it for many reasons like unfair underwriting practices, not issuing a premium refund, an unsatisfactory settlement offer and delays in responding to claim requests. Regardless of your reason, switching companies can be less work than you think.