Buy Zachary, LA Auto Insurance Like a Bargain Hunter

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me, you’re not alone.

With consumers having so many options when it comes to auto insurance, it’s difficult to locate the right insurer.

You need to price shop coverage before your policy renews because prices are usually higher with each renewal. Even if you got the best rates six months ago you may be paying too much now. Block out anything you think you know about auto insurance because you’re about to learn the right way to find better coverage at a better price.

The purpose of this article is to help you learn the most effective way to quote insurance and some tips to save money. If you currently have a car insurance policy, you should be able to cut costs considerably using these techniques. Although Louisiana vehicle owners need to learn the methods companies use to market insurance on the web.

Finding Auto Insurance Deals in Zachary

There are several ways to compare quotes from different in Zacharyinsurance companies. The quickest method to compare insurance prices involves getting comparison quotes online. This is very easy and can be done using a couple different methods.

  1. The best way to get quotes is an all-inclusive rate comparison (click to open form in new window). This form saves time by eliminating repetitive form entry for each company. One simple form will return price quotes instantly.
  2. Another way to compare rate quotes is spending the time to visit the website for every company you want to comare and request a quote. For sake of this example, we’ll pretend you want to compare Farmers, Liberty Mutual and Travelers. To get each rate you have to go to every website and enter your information, and that’s why the first method is more popular. To view a list of companies in Zachary, click here.
  3. The hardest method to get comparison rates is to waste gas driving to different agent offices. Shopping for auto insurance online can eliminate the need for a local agent unless you prefer the trained guidance that only a license agent can provide. It is possible to get prices online and get advice from an agent in your area.

It doesn’t matter which method you choose, just make sure you use identical deductibles and coverage limits on every quote. If you compare different limits and deductibles on each one it will be impossible to find the best deal in Zachary. Slightly different insurance coverages can mean a large discrepancy in price. And when quoting auto insurance, remember that obtaining a wide range of quotes helps locate lower pricing.

Will just any policy work for me?

When buying the right insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions might help in determining if your insurance needs will benefit from professional help.

  • Is Louisiana a no-fault state?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered when driving someone else’s vehicle?
  • Are my friends covered when driving my vehicle?
  • How much liability coverage do I need in Louisiana?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Are insurance agents obsolete?

A small number of people would prefer to sit down with an agent and that is a personal choice. The best thing about getting online price quotes is you can get the best rates and still have an agent to talk to. And supporting small agencies is important especially in Zachary.

For easy comparison, once you complete this form (opens in new window), your information is emailed to insurance agents in Zachary who will return price quotes for your insurance coverage. You won’t need to visit any agencies as quotes are delivered directly to your email. Now that’s easy! It’s the lowest rates without the usual hassles of price shopping.

Insurance agent types

When finding a good insurance agency, you must know there are a couple types of insurance agents that you can select. Agencies in Zachary are categorized either independent (non-captive) or captive.

Independent Agents

Independent agents are not locked into one company but rather can write business with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply move the coverage in-house and that require little work on your part.

When comparing rates, we recommend you get quotes from at least one independent agent to ensure the widest selection of prices.

The following are Zachary independent insurance agencies that can give you competitive price quotes.

Farm Bureau Insurance – 5037 Main St – Zachary, LA 70791 – (225) 658-0290
Castello Agency General Ins – 5353 Main St # A – Zachary, LA 70791 – (225) 654-2313
John Hendry Insurance – 4833 Main St – Zachary, LA 70791 – (225) 654-3950

Agency Captives

These agents can only place business with one company such as Allstate, AAA, Liberty Mutual and State Farm. They generally cannot give you multiple price quotes so they are skilled at selling on more than just price. These agents receive extensive training on their company’s products which helps them compete with independent agents.

The following are captive agents in Zachary that are able to give price quotes.

Farm Bureau Insurance – 5037 Main St – Zachary, LA 70791 – (225) 658-0290
Allstate Insurance – 5654 Main St – Zachary, LA 70791 – (225) 654-7817
State Farm Insurance – 5145 Main St – Zachary, LA 70791 – (225) 654-8251
Shelter Insurance – 5568 Main St – Zachary, LA 70791 – (225) 654-8897

For a full directory of Zachary captive agents, simply jump to this page.

Selecting an auto insurance agent requires more thought than just the premium amount. These questions are important to ask:

  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Do they regularly work with personal auto policies?
  • Is the agent and/or agency licensed to do business in Louisiana?
  • Can glass repairs be made at your home?
  • Are they able to influence company decisions when a claim is filed?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

After getting good answers to your questions and an acceptable price quote, you’ve probably found a car insurance agent that is a good match to provide auto insurance coverage.

For more reading

Much more information about auto insurance in Louisiana can be read on the website for the Louisiana Department of Insurance through this link. Louisiana drivers can find disaster information, learn about insurance regulations, read consumer alerts, and learn about specific coverages.

Other informative sites include this link for Louisiana coverage information and this resource to find Zachary, LA insurance agents.