Quick Guide to Searching for a Montgomery, AL Car Insurance Agent

When pricing auto insurance in Montgomery, AL, choosing the right Montgomery auto insurance agent takes more work than just driving to the closest agent’s office. You need a competent insurance agent, but also cheaper auto insurance prices.

Numerous auto insurance agents battle for your business, so it can be very hard to choose a insurance agency to find the absolute lowest price

Montgomery agents for auto insurance

Educated insurance agents are trained to spot inefficiencies and give you peace of mind. The best thing about price shopping on the web is that you can obtain the lowest rates but also keep your business local.

Once you complete this short form, the quote information is transmitted to insurance agents in Montgomery who will compete to get your business. There is no reason to even leave your home because quoted prices will be sent straight to your inbox. Now that’s easy!

Deciding on an insurance agency shouldn’t rely on just the premium amount. These questions are important to ask:

Do the coverages you’re quoting properly cover your vehicle?
If your car is in the repair shop, do you have coverage for a rental car?
Will their companies depreciate repairs to your car based on the mileage?
Does the agency provide any after hours assistance?
Is working in the agency their full-time job?
Do they carry Errors and Omissions coverage?

Choose the right insurance agency

When searching for a reliable agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Insurance agencies in Montgomery are classified as either captive or independent (non-captive). Both do a good job, but it’s worth mentioning the differences since it may influence buying decisions.

Captive Insurance Agents

These agents write business for a single company and examples are State Farm, AAA and Liberty Mutual. They generally cannot shop your coverage around so it’s a take it or leave it situation. Captive agencies are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Some people will only purchase coverage from captives primarily because of loyalty to the company and solid financial strength.

Shown below is a short list of captive agencies in Montgomery that can give you price quote information.

Farm Bureau Insurance – 2571 Bell Rd – Montgomery, AL 36117 – (334) 270-8585
Allstate Insurance – 8202 Old Federal Rd # D – Montgomery, AL 36117 – (334) 271-6046
State Farm Insurance – 2531 Bell Rd – Montgomery, AL 36117 – (334) 277-1109
Farmers Insurance Group – 1749 Platt Pl – Montgomery, AL 36117 – (334) 271-5545
Liberty Mutual – 2367 Central Pkwy – Montgomery, AL 36106 – (334) 213-0651

Independent Agents

Independent agencies are not employed by any specific company so they can insure your vehicles with any number of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to find a new agent. When comparison shopping, it’s a good idea to include at least one independent agent for the best price selection. They also have the ability to place coverage with lesser-known insurance companies who may have lower rates.

Listed below is a short list of independent agents in Montgomery willing to provide price quotes.

Belcher Insurance – 416 S Perry St – Montgomery, AL 36104 – (334) 262-2984
Barclay Agency – 7061 Halcyon Summit Dr – Montgomery, AL 36117 – (334) 279-0918
Jimmy Auvil Agency – 5925 Carmichael Rd – Montgomery, AL 36117 – (334) 277-9996
WRIGHT Agency – 5950 Carmichael Rd # 108 – Montgomery, AL 36117 – (334) 277-7625
Robinson Insurance Group – 906 S Perry St # 100 – Montgomery, AL 36104 – (334) 356-3665

For a full directory of insurance agents in Montgomery, go to this page.

Upon getting reasonable responses to your questions and a good coverage price, it’s possible that you found an auto insurance agent that meets your needs to insure your vehicles.

Can you buy online and save?

Insurance agencies are perfect for certain consumers, but Alabama car insurance can also be bought direct online. Certain auto insurance companies who employ agents also allow consumers to buy online. This is something to consider if you’re trying to lower your rates.

If you’re concerned about not getting advice from an agent when buying online, don’t be too concerned. Car insurance companies give you access to trained agents for customer questions. You may also access the ability to chat online live with a sales rep and online research so buying online is not difficult.

Will buying online save you money? The answer to that question is complicated since there are so many factors which can adversely affect your policy premium. It’s logical to say that buying directly from the company reduces premiums because there is no agent. For the majority of companies, however, marketing expenses are significant so there may not be significant savings.

A little work can save a LOT of money

When shopping online for auto insurance, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Cost effective auto insurance can be purchased on the web in addition to many Montgomery insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

Additional Alabama car insurance resources

More detailed Alabama auto insurance information is located at the Alabama Department of Insurance website. Alabama consumers can find out which companies have the most complaints, read state legal mandates and laws, get help finding coverage, and read enforcement actions against agents and companies.

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