Baton Rouge Louisiana Car Insurance Agent Information

Comparing car insurance rates in Baton Rouge can be a lot of work since you have many choices and picking a good Louisiana insurance agent is not as easy as just using the same insurance agent as your neighbor. Consumers need a good professional insurance agent, and also the best car insurance prices in Baton Rouge.

Many insurance agents compete to insure your vehicles, so it can be very hard to choose a car insurance agent to find the best rates possible.

How to buy car insurance from an agent in Baton Rouge

Agents can answer important questions and help submit paperwork. One of the great benefits of comparing rates online is that you can obtain better rates and still choose a local agent.

To find an agent, once you fill out this short form, your insurance coverage information is emailed to insurance agents in Baton Rouge who will battle for your insurance coverage. There is no need to leave your computer since price quotes are sent to the email address you provide. Now that’s easy!

Choosing a car insurance agent shouldn’t rely on just the bottom line cost. Any agent should have no problem answering these questions:

  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Will your rates increase after a single accident?
  • Are they full-time agents?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Do the companies they represent have a solid financial rating?
  • Can they provide you with a list of referrals?
  • What insurance companies do they work with?

Different types of insurance agencies in Baton Rouge

When researching a reliable agent, you need to know there are two different agency structures to choose from. Baton Rouge agents are categorized either independent or captive. Both types can do a good job, but it’s worth learning how they are different since it may influence your selection of an agent.

Captive Agents

Captive insurance agents have only one company to place business with such as AAA, Allstate and State Farm. Captives cannot compare other company’s rates so they have to upsell other benefits. Captive agents are well schooled on the products they sell which helps them sell insurance even at higher premiums.

Listed below are Baton Rouge captive agents that are able to give rate quotes.

Louisiana Farm Bureau Ins Co – 9516 Airline Hwy – Baton Rouge, LA 70815 – (225) 922-6200
State Farm Insurance – 11175a Florida Blvd – Baton Rouge, LA 70815 – (225) 272-2284
Farmers Insurance Group – 11832 Newcastle Ave – Baton Rouge, LA 70816 – (225) 293-7505
Shelter Insurance – 11943 Coursey Blvd # B – Baton Rouge, LA 70816 – (225) 296-8141
Allstate Insurance – 6004 Perkins Rd # B1 – Baton Rouge, LA 70808 – (225) 769-8034
Liberty Mutual Insurance – 4000 S Sherwood Forest Bl #200 – Baton Rouge, LA 70816 – (225) 292-8808

Independent Agencies or Brokers

Independent agents are not locked into one company but rather can write business amongst many companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part.

When comparing rates, you should always include price quotes from at least one independent agent to have the most options to choose from.

The following is a list of independent agents in Baton Rouge that are able to give rate quotes.

Phillip Arnold Agency – 11918 Bricksome Ave # B – Baton Rouge, LA 70816 – (225) 293-2200
Direct General Ins Agency – 10225 Florida Blvd # 1 – Baton Rouge, LA 70815 – (225) 272-4756
Patrick Morris Agency – 10988 N Harrells Ferry Rd # 16 – Baton Rouge, LA 70816 – (225) 273-1238
Insurance and Financial Svc Inc – 11919 Bricksome Ave # E8 – Baton Rouge, LA 70816 – (225) 296-0226
JBS Insurance and Investment – 2320 Drusilla Ln # F – Baton Rouge, LA 70809 – (225) 929-9050

To view a full list of insurance agents in Baton Rouge, visit this site.

Once you have satisfactory answers to your questions as well as a affordable price, most likely you have located a car insurance agent that meets your needs to adequately provide car insurance.

Will just any policy work for me?

When buying adequate coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique and your policy should reflect that. These are some specific questions might help in determining whether your personal situation will benefit from professional help.

  • Am I covered if I drive in a foreign country?
  • Why does it cost so much to insure a teen driver in Baton Rouge?
  • Is there coverage for injuries to my pets?
  • How much underlying liability do I need for an umbrella policy?
  • Does my personal policy cover me when driving my company car?
  • What are Louisiana no-fault laws?
  • Do I qualify for additional discounts?
  • What can I do if my company won’t pay a claim?
  • Should I rate my vehicle as pleasure use or commute?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent.

Can you save money by buying online?

Car insurance agents are perfect for certain consumers, but you also have the option of buying Louisiana car insurance direct from companies that only sell online. Some car insurance companies, such as State Farm, Allstate and Farmers, who sell through agents in Baton Rouge also let you buy direct online, so this should also be taken into consideration if finding the best price is important.

If you’re anxious about not having professional advice when shopping online, that is normal but is not a big issue. Companies provide access to licensed agents to help you decide which coverages are appropriate. They also offer live help and an extensive research center to make it easier to purchase.

Do customers save by switching to an online company? The answer is complex since there are many things that impact your rate calculation. It’s often assumed that a customer who purchases direcly from an online company cuts out the agent as a middleman. But the reality is it’s expensive to advertise so rates may not be all that different from traditional agents.

If you’re trying to save the most money, the best approach to discovering who has the best rates, online companies or local insurance agents, is to take the time to compare rates from both. You could possible even receive different price quotes for the exact same company if you compare an online quote to agent rates.

Smart shoppers get results

As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage at the best price while not skimping on critical coverages.

Baton Rouge insurance company

Drivers switch companies for a variety of reasons including unfair underwriting practices, policy non-renewal, policy cancellation or delays in paying claims. No matter why you want to switch, finding a new car insurance company is not as difficult as it may seem.

Louisiana car insurance information

More detailed Louisiana car insurance information is available at the Louisiana Department of Insurance website. Louisiana consumers can find a variety of consumer forms, download brochures, view agent and company licensing information, and discover disciplinary actions.

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