When buying auto insurance in Vestavia Hills, there are a lot of options and picking a good Alabama car insurance agent is not as easy as just calling the closest agent. Chances are good you not only want a professional licensed agent, but you also need the best rates possible.
With insurance companies like State Farm, Allstate, Farmers and independent agents having local Vestavia Hills offices, it can be hard to know which one will have the lowest rates and best service. To help decide, you can use online quoting to get a list of insurance agencies and price estimates.
Price shop online but buy from a local Vestavia Hills agent
Good agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of comparing rates online is you can get better rates but also keep your business local. And supporting local businesses is especially important in Vestavia Hills.
To help locate an agent, after submitting this form (opens in new window), the coverage information is instantly submitted to local insurance agents in Vestavia Hills who will compete for your business. You don’t have to visit any agencies as quotes are delivered to your email. Now that’s easy! You can find the lowest rates AND a local agent.
Below are Vestavia Hills insurance agents that are able to give price quotes.
Al Holifield Agency – 1008 Montgomery Hwy # 101, Vestavia Hills, AL 35216 – (205) 822-8333
Canfield Insurance & Financial – 701 Montgomery Hwy # 207, Vestavia Hills, AL 35216 – (205) 822-5477
C S Insurance Inc – 217 Woodberry Ln, Vestavia Hills, AL 35216 – (205) 824-8900
Picking a car insurance agent needs to be determined by more than just a cheap price. Agents should be asked these questions:
- Are they full-time agents?
- Do the coverages you’re quoting properly cover your vehicle?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Is the agency involved in supporting local community causes?
- What insurance companies do they recommend if they are an independent agent?
Upon getting answers to your satisfaction in addition to an acceptable price estimate, you’ve probably found an auto insurance agent that is a good match to properly insure your vehicles.
Is buying direct online an option?
Licensed agents are perfect for certain consumers, but Alabama drivers can also buy from companies direct over the internet. Certain auto insurance companies who sell through the agent channel also permit you to quote and buy online, and consumers should do that if finding the best price is important.
If you’re anxious about not having someone to ask questions, this is expected but don’t let that bother you. Insurance companies that allow you to purchase coverage all have toll-free customer service for answering any questions you have.
Can online rates save money? Whether or not you’ll save is impossible to say because there are so many things that impact your rate calculation. Common sense would say that shopping direct saves money because there is no commission. But truthfully, there are high advertising and marketing costs and this tends to eat up any savings.
Quote more, save more
Cheap auto insurance is definitely available online as well as from independent agents in Vestavia Hills, so you should compare both in order to have the best chance of saving money. A few companies don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.
When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. There have been many situations where an insured cut liability coverage limits only to discover later that it was a big error on their part. The aim is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.
Alabama auto insurance information
Additional auto insurance information is located on the website for the Alabama Department of Insurance located here. Alabama drivers can file complaints about an insurance agent or broker, view a list of available companies, and discover disciplinary actions.