How to Find Cheaper Auto Insurance Pricing From the Best Insurance Agents in Huntsville

When finding a good Huntsville agent, it’s recommended you start your research for an agent online rather than picking up the phone. Chances are you’re not only searching for a professional agent, but you also want to find the best rates possible.

With insurance companies like State Farm, Allstate, Farmers and independent agents all competing for business in Huntsville, it’s hard to tell which one will give you the cheapest rates and the best coverage. Fortunately, consumers can use online quotes in order to build a list of insurance agents and price estimates.

Car insurance is unique, just like you

When it comes to buying the best auto insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether or not you may require specific advice.

  • Do I benefit by insuring my home with the same company?
  • Is pleasure use cheaper than using my vehicle to commute?
  • When should my teen driver be added to my policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need rental car coverage?

If you’re not sure about those questions, you might consider talking to an insurance agent.

Compare online but buy from a local Huntsville agent

Good agents can point out coverage gaps and help in the event of a claim. The biggest benefit of comparing insurance prices online is you can get the best rates and still have an agent to talk to. Buying from local businesses is definitely important in Huntsville.

After completing this form (opens in new window), your insurance data is transmitted to local insurance agents in Huntsville who will battle for your business. You won’t need to even leave your home due to the fact that quote results will go straight to your inbox. It doesn’t get any easier!

Choose the right insurance agent

When searching for an insurance agent, you need to know there are two types of agencies that differ in how they can insure your vehicles. Agents are categorized either independent or captive. Both types can properly insure your vehicles, but it’s worth learning the difference between them since it can impact the type of agent you choose

Independent Agencies or Brokers

These agents do not work for one specific company but instead can place your coverage with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies.

When shopping rates, it’s a good idea to contact at a minimum one independent agency to get the best comparison. Most have the option of insuring with different regional companies which can save you money.

The following is a short list of independent agents in Huntsville that can give you price quotes.

  • James Lamb Insurance – 904 Bob Wallace Ave SW # 116 – Huntsville, AL 35801 – (256) 536-6509
  • Weston Agency Inc – 401 Holmes Ave NE – Huntsville, AL 35801 – (256) 536-0398
  • Bob Medlen Agency – 3023 Memorial Pkwy NW – Huntsville, AL 35810 – (256) 859-0042
  • Jon Peters Agency – 203 Oakwood Ave NE # B – Huntsville, AL 35811 – (256) 288-0230
  • Alfa Insurance Corp – 2205 Whitesburg Dr S – Huntsville, AL 35801 – (256) 539-2724
Captive Agents

Captive insurance agents work for only one company like Farmers Insurance, American Family, State Farm and Allstate. Captives cannot compare other company’s rates so they have to upsell other benefits. Captive agencies are well schooled on the products they sell and that can be a competitive advantage. Consumers frequently purchase coverage from captives primarily because of loyalty to the company and solid financial strength.

The following is a list of captive agents in Huntsville that are able to give comparison quotes.

  • Liberty Mutual Insurance – 1500 Perimeter Pkwy NW # 115 – Huntsville, AL 35806 – (256) 837-9200
  • Farmers Insurance Group – 1429 Weatherly Rd SE # F – Huntsville, AL 35803 – (256) 883-1437
  • Allstate Insurance – 915 Franklin St SE # F – Huntsville, AL 35801 – (256) 532-2233
  • State Farm Insurance – 11220 Memorial Pkwy SW # S – Huntsville, AL 35803 – (256) 883-4200

For a full directory of auto insurance agents in Huntsville, visit this link.

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

  • Which insurance companies are they affiliated with?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • How many years of experience in personal lines insurance coverages do they have?
  • Is the agency involved in supporting local community causes?
  • Is assistance available after office hours?

Once you have received positive feedback to any questions you have and a low price estimate, most likely you have located a car insurance agent that is a good match to properly service your auto insurance policy.

But what about GEICO, Esurance and Progressive?

Local insurance agents are important, but you also have the option of buying direct online. Certain companies who sell through the agent channel additionally provide the ability to buy direct online, so this should also be taken into consideration.

If you’re anxious about not getting advice from an agent when buying direct, that is normal but is not a big issue. All companies provide toll-free numbers to answer your questions.

Are online companies cheaper? The answer to that question is complicated due to the fact that there are multiple individual factors that influence the price you pay. It’s logical to say that buying directly from the company saves money because there is no commission. But the reality is advertising budgets are huge so the rates may be similar to buying from an agent.

Much more information about auto insurance in Alabama can be found on the Alabama Department of Insurance website located here. Alabama drivers can read enforcement actions against agents and companies, discover disciplinary actions, report car insurance fraud, and read consumer alerts.

Cheaper insurance is a realistic goal

Budget-conscious auto insurance is attainable online in addition to many Huntsville insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance providers do not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

free Huntsville insurance quote

As you prepare to switch companies, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced full coverage and found out when filing a claim they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.