Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you many Shreveport consumers feel financially strained by their car insurance policy. Big companies like Progressive, Geico and Farmers Insurance promote their brand names with TV and radio ads and it is difficult to see past the corporate glitz and take the time to shop coverage around.
It’s important to compare prices at least once a year since rates are adjusted regularly by insurance companies. If you had the best deal a few years ago you may be paying too much now. There is too much inaccurate information about car insurance on the internet, so we’re going to give you some great ideas on how to reduce your car insurance bill.
Low Cost Shreveport Car Insurance
Most major insurance companies like Allstate and Progressive provide coverage price quotes on their websites. Getting online rates is quite simple as you simply type in the coverage amounts you desire as detailed in the form. Upon sending the form, the system collects your driving record and credit report and generates a price based on many factors. Online quotes makes it a lot easier to compare rates but having to visit several different sites and complete many quote forms is monotonous and tiresome. But it is imperative to perform this step if you are searching for the lowest price.
There is a better way to compare rates
A less time-consuming method to lower your car insurance bill makes use of a single form to get prices from a bunch of companies at once. It’s a real time-saver, eliminates repetitive work, and makes online price comparison much more enjoyable. After sending the form, it gets priced and you can choose any one of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. It can be completed in a matter of minutes and you will know how your current rates stack up.
To save time and find out how much you’re overpaying now, click here to open in new window and enter your information. To compare your current rates, we recommend you copy the coverage information just like they are on your policy. This guarantees you are getting rate quotes for the exact same coverage.
Comparing rates from local agents
Some consumers prefer to talk to a local agent. Insurance agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of getting online price quotes is you can get lower rates but also keep your business local.<img class="alignright" style="padding-top:15px;" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-14.jpg" alt="Shreveport car insurance prices“/>
Upon completion of this form (opens in new window), your insurance coverage information is sent to participating agents in Shreveport who will return price quotes to get your business. There is no reason to even leave your home since price quotes are sent immediately to your email address. It doesn’t get any easier!
Deciding on an insurer shouldn’t rely on just the premium amount. Any agent should be forthright in answering these questions:
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Are they full-time agents?
- Do they review policy coverages at every renewal?
- What will you get paid if your car is a total loss? How is that amount determined?
- If you are a high risk driver, do they have special markets for your coverage?
- Will your rates increase after a single accident?
- Do they specialize in personal lines coverage?
Compare rates from both independent and captive insurance agents
When looking for a reputable insurance agent or broker, there are two different agency structures to choose from. Insurance agencies in Shreveport can either be captive or independent. While both can do a good job, but it’s good to learn the difference between them because it can influence your agent selection.
Agency Captives
This type of agents write business for a single company and examples are State Farm, AAA and Liberty Mutual. They generally cannot provide prices from multiple companies so they are skilled at selling on more than just price. Captive agencies are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
Listed below are captive insurance agencies in Shreveport that are able to give comparison quotes.
Shelter Insurance – 5555 Financial Plz – Shreveport, LA 71129 – (318) 683-4997
State Farm Insurance – 6425 Youree Dr # 530 – Shreveport, LA 71105 – (318) 797-3070
Farm Bureau Insurance – 8640 Business Park Dr – Shreveport, LA 71105 – (318) 524-5200
Allstate Insurance – 9478 Mansfield Rd # 1 – Shreveport, LA 71118 – (318) 688-8888
Independent Agents (or Brokers)
Independent insurance agents are not locked into one company so they have the ability to put coverage amongst many companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies and that require little work on your part. When searching for an agent, it’s a good idea to include several independent insurance agents to get the best comparison.
Below are Shreveport independent insurance agencies who can help you get comparison quotes.
H Kevin Quinn Insurance – 910 Pierremont Rd # 120 – Shreveport, LA 71106 – (318) 861-4566
Farm Bureau Insurance – 8640 Business Park Dr – Shreveport, LA 71105 – (318) 524-5200
Scott Agency – 2020 E 70th St # 304 – Shreveport, LA 71105 – (318) 797-7400
Alcor General Agency Inc – 929 Olive St – Shreveport, LA 71104 – (318) 226-9549
Redstone Security Agency – 207 Milam St # B – Shreveport, LA 71101 – (318) 213-2500
For a full directory of licensed insurance agents in Shreveport, view this link.
Once you have positive feedback to these questions and locked in a price quote, you may have just found an insurance agency that meets your needs to provide car insurance coverage.
Additional consumer information websites
More detailed Louisiana car insurance information can be found at the Louisiana Department of Insurance website. Consumers can learn about insurance regulations, get help finding coverage, learn about specific coverages, and read industry bulletins.
Other informative sites include this resource for Louisiana car insurance prices and this page of Shreveport insurance agents.