When buying car insurance in Houma, you have many choices and finding the best Louisiana insurance agency is harder than just calling the closest agent. For the sake of this article, we’ll assume you not only want an excellent agent, but you also want to find the lowest possible price.
With companies like Allstate, Farmers, State Farm and many independent agents all competing for business in Houma, consumers have a hard time knowing which will provide the lowest rates and best service. Thankfully, it’s easy to use online price quotes to get a list of insurance agents to choose from.
Online quotes help locate Houma agents
Insurance agents can help determine the best coverages and help submit paperwork. One of the best bonuses of price shopping on the web is that you can obtain the best rates but still work with a licensed agent. And providing support for local insurance agencies is important particularly in Houma.
To make it easy to find an agent, after completing this short form, the quote information is submitted to insurance agents in Houma who will return price quotes for your insurance coverage. You won’t need to even leave your home because quoted prices will be sent immediately to your email address. How cool is that?!
If you prefer to view a list of agents in Houma to contact, go to this page.
Picking an insurance agent should depend on more than just the price. These are valid questions to ask:
- Can they give you a list of client referrals?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- If your car is in the repair shop, do you have coverage for a rental car?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they assist clients in filing claims?
Once you have positive responses for all questions you ask and an acceptable price quote, chances are good that you have found an insurance agent that meets your needs to insure your vehicles.
Include online companies when price shopping
Local insurance agents are important, but Louisiana drivers can also buy from companies direct over the internet. Even companies, such as State Farm, Allstate and Farmers, who sell through the agent channel also let you quote and buy online, and that can save time as an alternative to contacting agents.
If you’re apprehensive about not getting proper coverage when shopping online, this is normal but is quickly overcome. Online car insurance companies that allow you to purchase coverage provide toll-free numbers to help you decide which coverages are appropriate. Additionally, most companies also offer 24/7 live help and a car insurance FAQ section that can help answer basic questions.
Do online companies provide lower prices? It’s hard to say exactly because of the fact that insurance companies use many factors that determine your policy premium. Some people think that a consumer who buys direct saves money by not requiring a commission. But that assumption is generally incorrect because online and traditional media advertising are expensive and those expenses can offset most of the savings by selling direct.
More comparisons equals lower rates
Cheap car insurance is possible both online and also from your neighborhood Houma agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.
Insureds switch companies for a number of reasons such as policy non-renewal, lack of trust in their agent, extreme rates for teen drivers and even delays in paying claims. Whatever your reason, switching car insurance companies can be easier than you think.
Much more information about car insurance in Louisiana is available on the website for the Louisiana Department of Insurance found here. Consumers can get help finding coverage, learn about specific coverages, and read enforcement actions against agents and companies.