To locate a good La Vergne agent, we recommend you do an initial search on the internet rather than looking in the yellowpages. It’s assumed you’re looking for an excellent agent, but you also need great rates as well.
With companies like independent agents, Allstate and State Farm all competing for business in La Vergne, it’s hard to tell which car insurance agent will have the lowest rates and best service. Thankfully, it’s easy to use online quoting to build a list of insurance agents from which to choose.
Comparing rates from local agents
Agents can point out coverage gaps and help in the event of a claim. The best thing about getting online price quotes is the fact that you can find lower rates but still work with a licensed agent. And providing support for local insurance agencies is important particularly in La Vergne.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is immediately sent to agents in your area who will compete for your insurance coverage. You never need to even leave your home since price quotes are sent to your email. Now that’s easy! Get lower rates without the usual hassles of price shopping.
Insurance agent types
When looking for a good La Vergne insurance agent, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agencies in La Vergne can either be independent or captive.
Independent Agents
Independent agencies are not required to write business for one company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, the business is moved internally without you having to go to a different agency. When comparing rates, we recommend you include price quotes from multiple independent agents to have the most options to choose from.
The following is a list of independent agencies in La Vergne that may be able to provide rate quotes.
Len Crewse Insurance – 423 Waldron Rd # C – La Vergne, TN 37086 – (615) 793-1900
Lafayette Insurance Co – 108 Gwendolyn Ct – La Vergne, TN 37086 – (615) 220-5275
Captive Insurance Agents
Captive agents write business for a single company such as American Family, Liberty Mutual and AAA. These agents are not able to place coverage with different providers so keep that in mind. They receive extensive training on their products and sales techniques which can be an advantage.
Shown below is a short list of captive agencies in La Vergne who can help you get comparison quotes.
State Farm Insurance – 6001 Jackson Square Blvd # 900 – La Vergne, TN 37086 – (615) 793-6010
Allstate Insurance Co – 5168 Murfreesboro Rd # B – La Vergne, TN 37086 – (615) 287-9150
For a full directory of auto insurance agents in La Vergne, go to this page.
Deciding on an insurance agency requires more thought than just the premium amount. Some important questions to ask are:
- Which insurance companies are they affiliated with?
- Are they properly licensed to sell insurance in Tennessee?
- What is the agency’s Better Business Bureau rating?
- Do they review policy coverages at every renewal?
- If they are an independent agency, which companies do they recommend?
Once you have good answers to these questions in addition to an acceptable price estimate, you may have just found an auto insurance agent that can adequately provide auto insurance.
Buying auto insurance direct is an option
Car insurance agents can be invaluable at times, but Tennessee car insurance can also be bought direct from companies online. Some specific companies who sell through the agent channel also allow you to buy online, so this should also be taken into consideration if you are the do-it-yourself type.
If you’re apprehensive about not receiving proper advice when buying online, that shouldn’t be an issue. Auto insurance companies provide customer service to walk you through the process.
Are online companies cheaper? A lot of shoppers won’t buy anywhere else, but it’s impossible to say due to the large number of individual components that are calculated into your premium. It’s a common assumption that buying direct saves by not paying a commission. But the reality is advertising and marketing take a lot of money and that can quickly cost more than paying an agent.
Keep this in mind
Lower-priced auto insurance can be sourced online as well as from independent agents in La Vergne, so you should compare both to get a complete price analysis. Some auto insurance companies don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. In many cases, an accident victim reduced collision coverage and found out when filing a claim that it was a big error on their part. Your focus should be to buy the best coverage you can find at a price you can afford while still protecting your assets.
To learn even more about auto insurance
Additional auto insurance information is available on the website for the Tennessee Department of Commerce and Insurance. Click here for link. Visitors are able to view a list of available companies, find out industry alerts, learn about specific coverages, and learn about insurance regulations.
