Quick Guide to Researching a Phenix City Insurance Agency

If you’re trying to find a good insurance agent in Phenix City, Alabama, it’s recommended you do the preliminary legwork online in order to save time. For this article’s sake, it’s assumed you’re not only searching for a competent insurance agent, but you also want great rates as well.

With insurance companies like State Farm, Allstate and many independent agents having local Phenix City offices, it’s hard to tell which one will give you the lowest rates and best service. Thankfully, you can use online quotes in order to build a list of insurance agencies and price estimates.

Your insurance agent down the street

Good agents can help determine the best coverages and help submit paperwork. One of the best bonuses of price shopping on the web is you can get better rates but also keep your business local. Buying from local businesses is important particularly in Phenix City.

Once you complete this simple form, your insurance data is submitted to agents in your area who will battle for your coverage. You never need to leave your computer because quoted prices will be sent to your email. Now that’s easy! Get lower rates and work with a local agent.

If you wish to view licensed agents in Phenix City, please click here.

Choosing a car insurance agent needs to be determined by more than just a low price. Here are some questions to ask:

  • Do they specialize in personal lines coverage?
  • How many years of experience in personal lines insurance coverages do they have?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Which insurance companies are they affiliated with?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • How are they compensated?

Upon getting satisfactory answers to any questions you have and an affordable coverage quote, you’ve probably found an insurance agent that can adequately provide auto insurance.

Are online companies an option?

Local insurance agents are a valuable resource, but Alabama drivers can also buy direct over the internet. Certain auto insurance companies like State Farm and Allstate that are more known for using agents, also permit you to buy direct on their websites, so keep that in mind if you want to do it yourself.

If you’re uncomfortable with not having an insurance agent’s advice, don’t let it bother you. Insurance companies give you access to trained agents for customer questions. Consumers also can use online help and live chat so buying online is not difficult.

Will buying online save you money? The answer to that question is complicated due to the fact that there are many factors that determine the price you pay. Common sense would say that shopping direct reduces premiums because there is no agent. But truthfully, promoting brand recognition is pricey and this drives up their premium costs.

Final thoughts

Budget-conscious auto insurance is available both online as well as from independent agents in Phenix City, and you need to comparison shop both in order to have the best chance of saving money. A few companies don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Drivers leave their current company for a number of reasons such as policy cancellation, extreme rates for teen drivers, high prices or an unsatisfactory settlement offer. It doesn’t matter what your reason, choosing a new company can be less work than you think.

Phenix City independent agents

For more Alabama auto insurance information

More information can be read on the website for the Alabama Department of Insurance through this link. Visitors are able to report car insurance fraud, learn about insurance regulations, find out industry alerts, and read state legal mandates and laws.

Additional helpful sites include these car insurance answers and this link where you can make Phenix City auto insurance comparisons.