Having to pay for overpriced car insurance can empty your personal savings and put the squeeze on your family’s finances. Comparison shopping is a great way to reduce premiums and put more money in your pocket. Online insurance companies like Allstate, Progressive and GEICO persitently shower you with TV and radio ads and it is difficult to see through the cute green geckos and mayhem and do the work needed to find the best deal.
It’s a good idea to take a look at other company’s rates periodically because insurance rates are usually higher with each renewal. If you had the best price last year you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the proper way to buy cheaper car insurance.
Free Quotes for Car Insurance in Daphne, Alabama
There are several ways to compare car insurance prices but some are more efficient than others. You can waste a few hours (or days) talking to agents in Daphne, or you could save time and use the internet to get the quickest rates.
Many companies participate in an industry program where prospective buyers enter their policy data once, and each company then gives them pricing. This saves time by eliminating quote requests to each individual car insurance company.
To find out how much you’re overpaying now click here (opens in new window).
The one downside to using this type of system is you don’t know exactly which providers you want to price. If you wish to select specific insurance companies to request quotes from, we have a listing of companies who write car insurance in Alabama. Click to view list.
Whichever way you use, double check that you are using the exact same coverages on every quote you get. If each company quotes different values for each quote it will be next to impossible to truly determine the lowest rate in Daphne.
Quote online but work with a neighborhood agent
Some people would prefer to buy from a local agent and that is a personal choice. Licensed agents can help determine the best coverages and help file insurance claims. The biggest benefit of price shopping on the web is you can get the lowest rates but still work with a licensed agent.
Once you complete this form (opens in new window), your insurance data gets sent to agents in your area who will return price quotes to get your business. You won’t need to even leave your home since price quotes are sent immediately to your email address. It doesn’t get any easier!
Deciding on an insurance company needs to be determined by more than just a cheap price. Some important questions to ask are:
- Do the coverages you’re quoting properly cover your vehicle?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- What are the financial ratings for the companies they represent?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they review policy coverages at every renewal?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Is their price quote a firm figure or are their hidden costs?
- If you are a high risk driver, do they have special markets for your coverage?
What types of insurance agents are in Daphne?
If you’re trying to find an insurance agent, you need to know there are two different agency structures that you can select. Insurance agencies in Daphne are classified as either captive or independent (non-captive). Either one can insure your vehicles, but it’s important to know the difference between them because it can influence the selection process.
These agents write business for a single company and some examples include Farmers Insurance or State Farm. They usually cannot place coverage with different providers so keep that in mind. Captives are trained well on the products they sell which can be an advantage.
Below is a list of captive agents in Daphne willing to provide price quote information.
Allstate Insurance – 1501 Highway 98 – Daphne, AL 36526 – (251) 626-2500
State Farm Insurance – 811 Daphne Ct # A – Daphne, AL 36526 – (251) 626-1237
Farmers Insurance Group – 28850 Highway 98 # 106 – Daphne, AL 36526 – (251) 626-1085
Independent Agents (or Brokers)
Independent agents are not employed by any specific company but instead can place your coverage with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies. When searching for an agent, it’s a good idea to get quotes from several independent insurance agents for the best price selection.
Listed below are independent insurance agencies in Daphne who can help you get comparison quotes.
Herring Agency Inc – 1203 Us Highway 98 # 2d – Daphne, AL 36526 – (251) 625-1024
Best Rate Insurance – 4007 Us Highway 98 – Daphne, AL 36526 – (251) 625-1851
Julie Magee Insurance – 28080 Us Highway 98 # D – Daphne, AL 36526 – (251) 625-8585
To view a complete directory of car insurance agents in Daphne, visit this site.
Once you have received good answers and a good coverage price, it’s possible that you found a car insurance agent that will insure your vehicles.
Additional detailed information is located at the Alabama Department of Insurance website. Consumers can file complaints about a company, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and find out which companies have the most complaints.