Online Rate Quotes for Shreveport Louisiana Car Insurance Companies

When finding a good Shreveport agent, it’s recommended you do the preliminary legwork on the web rather than picking up the phone. Chances are you’re wanting a professional licensed agent, but also great rates as well.

With independent agents, Allstate and State Farm having local Shreveport offices, it’s difficult to determine which will provide the cheapest rates and the best coverage. Fortunately, it’s easy to use online price quotes to assemble a group of insurance agencies to choose from.

Local Shreveport agents and car insurance

Professional agents can answer important questions and give you peace of mind. One of the best bonuses of comparing insurance prices online is the fact that you can find lower rates and still have an agent to talk to. And providing support for local insurance agencies is important particularly in Shreveport.

To find an agent, once you fill out this quick form, your coverage information is sent to companies in Shreveport who will return price quotes for your insurance coverage. You don’t have to leave your house as quotes are delivered directly to your email. How’s that for easy! You can find the lowest rates and an insurance agent to talk to.

Captive agents vs. Independent agents

When searching for a local agent, you need to know there are two different types of agents to choose from. Insurance agencies in Shreveport can either be captive or independent.

Independent Agents (or Brokers)

Independent insurance agents are not employed by any specific company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and you don’t have to find a new agent. When searching for an agent, it’s recommended you contact several independent insurance agents to get the best comparison.

Shown below are independent insurance agencies in Shreveport who may be able to give you price quotes.

Larry Smith Insurance – 820 Jordan St # 403 – Shreveport, LA 71101 – (318) 227-2250
Hudson-Silver Agency – 9241 Wallace Lake Rd – Shreveport, LA 71106 – (318) 686-7700
Redstone Security Agency – 207 Milam St # B – Shreveport, LA 71101 – (318) 213-2500
Mc Elhaney Insurance – 2020 E 70th St – Shreveport, LA 71105 – (318) 524-1188
Bromell Agency Inc – 9300 Mansfield Rd # 112 – Shreveport, LA 71118 – (318) 687-1222

Captive Insurance Agents

Captive agencies write business for a single company and examples are American Family, State Farm and Allstate. They usually cannot compare other company’s rates so it’s a take it or leave it situation. They are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums.

Listed below is a list of captive agents in Shreveport that can give you price quotes.

State Farm Insurance – 3026 Bert Kouns Industrial Lp – Shreveport, LA 71118 – (318) 688-7777
Allstate Insurance – 9051 Mansfield Rd # D9 – Shreveport, LA 71118 – (318) 688-5804
Farm Bureau Insurance – 8640 Business Park Dr – Shreveport, LA 71105 – (318) 524-5200
Shelter Insurance – 3336 Youree Dr – Shreveport, LA 71105 – (318) 868-8336

For a complete listing of captive agencies in Shreveport, go to this page.

Picking an insurance agent should depend on more than just the bottom line cost. Any agent should be forthright in answering these questions:

What insurance companies do they work with?
Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
Do they have any clout with companies to ensure a fair claim settlement?
Which company do they place the most coverage with?
How long has their agency been open in Shreveport?
How often do they review policy coverages?
If your car is totalled, how to they determine the replacement cost?

After getting positive responses to your questions and an affordable coverage quote, it’s possible that you found a car insurance agent that is a good match to properly service your car insurance policy.

What coverages do I need?

When buying adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions can aid in determining whether your personal situation will benefit from professional help.

How much underlying liability do I need for an umbrella policy?
Is my cargo covered for damage or theft?
What happens if I owe more than my vehicle is worth?
Will I be non-renewed for getting a DUI or other conviction?
Is my custom paint covered by insurance?
Are my tools covered if they get stolen from my vehicle?
Is my vehicle covered for flood damage?
Do I qualify for additional discounts?
Do I need higher deductibles?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent.

Online companies give you options

Insurance agencies are indespensible for some people, but Louisiana consumers also have the option to buy from online companies direct. Even companies that are more known for using agents, also give you the option to quote and buy online, and that can save time.

If you’re concerned about not having an insurance agent’s advice when buying online, that shouldn’t be an issue. Online insurance companies that allow you to purchase coverage provide access to licensed agents you can use to get advice on coverages. Consumers also can use live help and an extensive research center to help you make a buying decision.

Are car insurance rates lower online? Whether or not you’ll save is impossible to say since there may be dozens of rate factors that impact your final bill. It would make sense to think that buying direct saves money because there is no commission. But the reality is advertising and marketing take a lot of money so rates may not be all that different from traditional agents.

A tidy conclusion

Budget-conscious car insurance is definitely available online as well as from independent agents in Shreveport, so you should compare both to have the best selection. Some insurance providers don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

Consumers change insurance companies for many reasons like denial of a claim, lack of trust in their agent, not issuing a premium refund and even extreme rates for teen drivers. Regardless of your reason, choosing a new insurance company is not as hard as you think.

Additional Louisiana car insurance resources

More information can be found on the website for the Louisiana Department of Insurance. Click here for link. Visitors are able to read consumer alerts, report car insurance fraud, download brochures, and file complaints about an insurance agent or broker.

The articles below may also help you learn more about car insurance in Shreveport