Learn to Get the Lowest Auto Insurance Prices From Agents in Dalton

If you’re looking for a licensed insurance agent in Dalton, you can start your search by getting online comparison quotes to save time. We’re assuming you’re looking for an excellent agent, but also great rates as well.

With companies like American Family, Allstate, State Farm and independent agents having local Dalton offices, it’s difficult to determine which one will give you the best rates, service and coverage. Thankfully, it’s easy to use online quotes to assemble a group of insurance agencies and price estimates.

Save time by quoting online

Educated insurance agents can answer important questions and help you file claims. One of the great benefits of comparing rates online is you can get lower rates and still have an agent to talk to. And providing support for local agencies is important especially in Dalton.

To find an agent, once you fill out this quick form, your insurance coverage information is submitted to participating agents in Dalton who will battle for your business. There is no reason to visit any agencies as quotes are delivered immediately to your email address. It doesn’t get any easier!

Best insurance agency in Dalton

If you’re trying to find a reliable agent, there are a couple of different agency structures from which to choose. Agents are either independent (non-captive) or captive. While both can write coverage properly, but it’s worth learning the differences because it can influence the selection process.

Independent Agencies or Brokers

Independent agents are not required to write business for one company so they can insure your vehicles with multiple insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part.

When shopping rates, you should always contact at least one independent agent for maximum quote selection.

Listed below are Dalton independent insurance agents that are able to give pricing information.

Dan Cavender Agency – 855 Abutment Rd # 4 – Dalton, GA 30721 – (706) 259-7050
Cotton States Insurance – 1419 Chattanooga Ave # 2 – Dalton, GA 30720 – (706) 529-6277
Hill Pope Agency – 2685 Cleveland Hwy # 3 – Dalton, GA 30721 – (706) 278-2063
Starr-Matthews Agency – 101 E Crawford St # 401 – Dalton, GA 30720 – (706) 278-0707
ABC Insurance Svc – 415 E Walnut Ave – Dalton, GA 30721 – (706) 277-1707

Captive Insurance Agents

Captive agencies write business for a single company such as Farmers Insurance, American Family, State Farm and Allstate. They usually cannot provide prices from multiple companies so they have to upsell other benefits. These agents are well schooled on their products and sales techniques which helps them compete with independent agents.

The following is a short list of captive agents in Dalton willing to provide price quote information.

Allstate Insurance – 1209 W Walnut Ave # 9 – Dalton, GA 30720 – (706) 226-8500
State Farm Insurance – 1716 Cleveland Hwy # 100 – Dalton, GA 30721 – (706) 259-7466
Farm Bureau Insurance – 1509 Chattanooga Rd – Dalton, GA 30720 – (706) 278-9380

For a complete listing of captive agents in Dalton, please click here.

Choosing a car insurance agent should depend on more than just the premium amount. Here are some questions to ask:

  • Do they receive special compensation for putting your coverage with one company over another?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Can they give you a list of client referrals?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Can glass repairs be made at your home?
  • How many years of experience in personal lines insurance coverages do they have?

Once you have satisfactory answers to any questions you have and an acceptable price quote, it’s possible that you found a car insurance agent that can adequately provide auto insurance.

Online companies should be compared

Professional insurance agents are important, but you also have the option of buying Georgia car insurance direct from companies online. Some companies that are more known for using agents, also give you the option to get quotes and purchase online, and consumers should do that.

If you’re apprehensive about not having an insurance agent’s advice, don’t be too concerned. Auto insurance companies that require consumers to choose their own coverages have customer service departments for getting advice on proper coverages.

Do online companies have better rates? The answer is complex since companies use quite a few components that determine your policy premium. Some people will tell you that purchasing direct online saves the cost of an agent commission. But the reality is promoting brand recognition is pricey and those expenses can offset most of the savings by selling direct.

More information is located on the website for the Georgia Insurance and Safety Fire Commissioner located here. Georgia drivers can learn about insurance regulations, learn about specific coverages, and file complaints about an insurance agent or broker.

Shop smart and save

The cheapest auto insurance is definitely available on the web as well as from independent agents in Dalton, so you should be comparing quotes from both to have the best selection. Some insurance companies don’t offer online price quotes and these regional insurance providers work with independent agents.

People switch companies for a number of reasons such as questionable increases in premium, being labeled a high risk driver, delays in responding to claim requests or even delays in paying claims. It doesn’t matter what your reason, finding a great new company is pretty simple and you could end up saving a buck or two.