If you’re looking to buy car insurance, choosing the right New Iberia car insurance agent is more difficult than just calling the closest agent. Consumers require a good agent, but also need the lowest rates in New Iberia.
There are many insurance agents to insure vehicles with, and although it’s nice to have a choice, too many choices makes it more difficult to get the best deal.
Comparing prices from New Iberia agents
Good agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of getting online price quotes is you may find lower rates but still work with a licensed agent.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information is submitted to companies in New Iberia who will battle to get your business. There is no need to leave your house due to the fact that quote results will go straight to your inbox. How cool is that?! Get lower rates and a licensed agent to work with.
Choosing an insurance agency needs to be determined by more than just the premium amount. These questions are important to ask:
- Which insurance companies are they affiliated with?
- Are there any discounts that you might be missing?
- Do they regularly work with personal auto policies?
- If your car is totalled, how to they determine the replacement cost?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
What types of insurance agencies are in New Iberia?
When looking for a good New Iberia insurance agent, there are two types of agencies that differ in how they can insure your vehicles. New Iberia agents are categorized either independent (non-captive) or captive.
Agency Captives
Captive agencies can only write with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. They generally cannot shop your coverage around so they are skilled at selling on more than just price. Captives receive extensive training on their company’s products and that can be a competitive advantage.
Listed below are captive insurance agencies in New Iberia that can give you price quote information.
State Farm Insurance – 237 W Saint Peter St – New Iberia, LA 70560 – (337) 365-5441
Iberia Parish Farm Bureau – 408 Jefferson Ter – New Iberia, LA 70560 – (337) 367-7234
Allstate Insurance – 435 W Main St – New Iberia, LA 70560 – (337) 560-5595
Independent Agents
Independent agents do not work for one specific company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent. When comparing rates, it’s a good idea to include at a minimum one independent agency to ensure the widest selection of prices.
Below are New Iberia independent insurance agencies that can give you rate quotes.
Dorsey Insurance LTD – 503 Jefferson Ter – New Iberia, LA 70560 – (337) 364-4563
Schwing Insurance – 300 E Main St – New Iberia, LA 70560 – (337) 365-2357
For a complete listing of New Iberia insurance agents, go to this page.
Once you have received reasonable responses to all your questions and an affordable coverage quote, chances are good that you have found an insurance agency that is a good match to service your policy.
What about online companies that don’t sell through insurance agents?
Licensed agents are important to many people, but Louisiana car insurance can also be bought from companies direct over the internet. Certain companies like Allstate and State Farm who sell through agents in New Iberia also allow consumers to buy direct on their websites, so this should also be taken into consideration.
If you’re concerned about not having professional advice when shopping online, this is a normal reaction for first-time shoppers. All companies that allow you to purchase coverage all provide contact methods for getting questions answered. Consumers also can use 24/7 live help and a car insurance FAQ section to help you answer questions.
Are car insurance rates lower online? The answer is complex because of the fact that insurance companies use many factors that determine the price you pay. It’s a common assumption that buying car insurance online cuts out the agent as a middleman. For most online online companies, however, marketing their products costs a lot of money so the lack of a commission may be a wash.
Final considerations
As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. In too many instances, an insured cut liability coverage limits only to regret at claim time they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.
Cheaper car insurance can be found from both online companies and also from your neighborhood New Iberia agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.
Additional detailed information is located at the Louisiana Department of Insurance website. Consumers can find out which companies have the most complaints, file complaints about a company, and read consumer alerts.
