Basics to Finding an Insurance Agent in Tallahassee

When pricing auto insurance in Tallahassee, Florida, there are a lot of options and picking a good Florida insurance agent takes more work than just calling the closest agent. We’re guessing you want a good agent, but you also want to find the best rates possible.

With companies like State Farm, Allstate and Farmers Insurance all competing for business in Tallahassee, consumers have a hard time knowing which one will have the lowest rates and best service. Thankfully, you can use online quoting in order to build a list of insurance agents and price estimates.

Neighborhood insurance agents

Agents can point out coverage gaps and help submit paperwork. One of the best bonuses of price shopping on the web is the fact that you can find lower rates but still work with a licensed agent. Buying from local insurance agencies is important especially in Tallahassee.

After completing this short form, your coverage information is immediately sent to companies in Tallahassee who will return price quotes for your coverage. You never need to leave your computer because quoted prices will be sent to the email address you provide. It doesn’t get any easier!

The different types of insurance agents

When finding a good Tallahassee insurance agent, there are a couple of different agency structures that differ in how they can insure your vehicles. Tallahassee agents are categorized either independent or captive. Either one can write coverage properly, but it’s worth mentioning the differences since it may influence the selection process.

Independent Agencies or Brokers

These agents do not work for one specific company so they can insure your vehicles with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency.

When comparing rates, it’s recommended you contact several independent insurance agents for maximum quote selection.

Listed below are Tallahassee independent insurance agents that may be able to provide comparison quotes.

AAALL American Auto Insurance – 720 Capital Cir NE – Tallahassee, FL 32301 – (850) 575-9600
Al Hargrove Insurance – 2620 W Tennessee St # 5 – Tallahassee, FL 32304 – (850) 576-3530
Earl Bacon Agency Inc – 3131 Lonnbladh Rd – Tallahassee, FL 32308 – (850) 878-2121
Gabor Agency Inc – 3500 Financial Plz # 4 – Tallahassee, FL 32312 – (850) 894-9611
Coley Williams Agency Inc – 3203 Apalachee Pkwy # B – Tallahassee, FL 32311 – (850) 942-8175

Captive Insurance Agents

This type of agents have only one company to place business with and some examples include American Family, Liberty Mutual and AAA. These agents are unable to shop your coverage around so always compare other rates. Captives receive extensive training on their products and sales techniques which helps them sell insurance even at higher premiums.

Below are Tallahassee captive agents who can help you get rate quotes.

State Farm Insurance – 2100 Delta Way # 5 – Tallahassee, FL 32303 – (850) 562-0760
Florida Farm Bureau Office – 315 S Calhoun St # 850 – Tallahassee, FL 32301 – (850) 222-2557
Allstate Insurance – 2613 W Tennessee St – Tallahassee, FL 32304 – (850) 575-2533
Liberty Mutual Insurance – 1989 Capital Cir NE # 2a – Tallahassee, FL 32308 – (850) 521-0085

For a full directory of captive insurance agencies in Tallahassee, visit this site.

Deciding on a car insurance agent requires more thought than just a cheap price. Any agent should have no problem answering these questions:

  • Can they give you a list of client referrals?
  • Do they assist clients in filing claims?
  • Do they make recommendations based only on price?
  • How long have they worked with personal auto insurance coverage?
  • What insurance companies do they work with?

Once you have acceptable answers for all questions you ask and locked in a price quote, you have narrowed it down to a car insurance agent that can properly service your auto insurance policy.

But what about GEICO and Esurance?

Auto insurance agents can be invaluable at times, but Florida drivers can also buy direct from companies that only sell online. Some specific companies like Allstate and State Farm who sell through the agent channel also allow you to get a quote and buy online, and consumers should do that if you’re trying to lower your rates.

If you’re worried about not getting advice from an agent when buying direct, don’t let it bother you. Online car insurance companies give you access to trained agents for getting advice on proper coverages. Also available are live help and 24/7 access to clarify any questions you may have.

Do people save by buying online? Many people swear by it, but it’s difficult to answer since companies use quite a few components which can raise or lower premium rates. It would make sense to think that buying direct saves money because there is no commission. For most companies selling online, however, advertising and marketing take a lot of money so this can offset any savings.

Locate Florida insurance agents

And the best car insurance company is…

When buying insurance coverage, don’t be tempted to reduce needed coverages to save money. In too many instances, drivers have reduced liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at the best price while still protecting your assets.

Lower-priced auto insurance is definitely available both online and also from your neighborhood Tallahassee agents, and you should compare price quotes from both to have the best selection. Some insurance companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

Learn more today

Additional information is available on the website for the Florida Office of Insurance Regulation located here. Visitors are able to file complaints about an insurance agent or broker, learn about insurance regulations, and discover disciplinary actions.