Quick Guide to Searching for a Gadsden Insurance Agency

When searching for an insurance agent in Gadsden, AL, you can always start your search for an agent online to save yourself time. Consumers require a highly trained agent, but also need the lowest rates for car insurance in Gadsden.

There is such a variety of car insurance agents to insure vehicles with, and even though it’s nice to have a selection, it can be more difficult to compare rates and find the lowest cost car insurance.

How to compare Gadsden car insurance rates

Insurance agents are trained to spot inefficiencies and give you peace of mind. One of the great benefits of getting online price quotes is the fact that you can find the lowest rates and still choose a local agent.

After filling out this simple form, your insurance data is emailed to local insurance agents in Gadsden who will compete for your insurance coverage. You won’t need to leave your house because quoted prices will be sent straight to your inbox. Now that’s easy! You can find better rates without the usual hassles of price shopping.

Deciding on an auto insurance agent needs to be determined by more than just the price. Ask your prospective agent these questions:

  • Do they assist clients in filing claims?
  • Is working in the agency their full-time job?
  • If you have an accident, will your rates go up?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • What are the financial ratings for the companies they represent?
  • How many years of experience in personal lines insurance coverages do they have?

Types of insurance agents

When searching for a good Gadsden insurance agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Gadsden can either be captive or independent.

Agency Captives

These agents can only place business with one company like State Farm or Allstate. They usually cannot provide prices from multiple companies so they have to upsell other benefits. They receive extensive training on the products they sell which can be an advantage. Some consumers prefer to buy insurance from these agents partially due to high brand loyalty and strong financial ratings.

Below are captive insurance agencies in Gadsden willing to provide comparison quotes.

  • Allstate Insurance – 929 W Meighan Blvd # A – Gadsden, AL 35901 – (256) 543-8950
  • State Farm Insurance – 1720 Rainbow Dr – Gadsden, AL 35901 – (256) 543-2400
Independent Agents

Independent agents are not employed by any specific company but instead can place your coverage with lots of companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally without you having to go to a different agency.

When shopping rates, you should always get quotes from multiple independent agents for the best price selection.Most can insure with smaller companies who may have lower rates.

Below are Gadsden independent insurance agencies that are able to give price quotes.

  • Lincoln Insurance – 940 Forrest Ave – Gadsden, AL 35901 – (256) 547-6834
  • Frank Amos Insurance – 3741 Alford Bend Rd – Gadsden, AL 35903 – (256) 492-2886
  • Berry Agency – 1726 Rainbow Dr # C – Gadsden, AL 35901 – (256) 546-8006
  • Randy Jones Agency – 301 S 5th St – Gadsden, AL 35901 – (256) 543-9594
  • Spicer Agency – 209 N 2nd St – Gadsden, AL 35901 – (256) 546-4799

To view a full list of licensed insurance agents in Gadsden, simply jump to this page.

After receiving answers to your satisfaction to your questions and locked in a price quote, it’s possible that you found an insurance agency that is a good match to service your policy.

Does buying direct online save money?

Insurance agencies serve a purpose, but Alabama consumers also have the option to buy direct from companies online. Certain companies like Allstate and State Farm that are more known for using agents, additionally provide the ability to buy a policy online, so that should be considered as an alternative to contacting agents.

If you’re uneasy about not having an insurance agent’s advice when buying direct, don’t let it bother you. Online insurance companies all have toll-free customer service to answer any questions you may have. Consumers also can use live chat and online tools you can access prior to buying.

Can you find lower rates online? Whether or not you’ll save is impossible to say because there are so many things that influence your rates. It’s a common assumption that shopping direct prevents the agent from taking a cut. For most companies selling online, however, the cost of constant advertising is expensive and that can quickly cost more than paying an agent.

More Alabama car insurance resources

More tips and info about car insurance can be read at the Alabama Department of Insurance website. Alabama drivers can read industry bulletins, find disaster information, and discover disciplinary actions.

Also read more on this page for car insurance in Alabama and this page of insurance agents in Gadsden.

Gadsden Alabama insurance agents

Quote more, save more

Cheaper car insurance is definitely available from both online companies as well as from independent agents in Gadsden, so you should compare both to get a complete price analysis. Some insurance companies don’t offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

Consumers switch companies for a number of reasons such as denial of a claim, questionable increases in premium, delays in responding to claim requests and even not issuing a premium refund. It doesn’t matter why you want to switch switching companies is pretty simple and you could end up saving a buck or two.