Compare Auto Insurance Rates From New Orleans Insurance Agents
If you’re looking to buy auto insurance, selecting the best New Orleans insurance agency for your needs is harder than just making a phone call. Consumers need a professional agent and also want to find the best possible price.
Drivers have multiple insurance agencies to pick from and although it’s a good thing to have a selection, it can be more difficult to get the best deal.
What is the best insurance coverage?
When choosing the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might point out whether your personal situation might need professional guidance.
- Do I pay less if my vehicle is kept in my garage?
- Does my car insurance cover rental cars?
- Can I afford to buy a different vehicle if my vehicle is totaled?
- Do I have coverage for damage caused while driving under the influence?
- Do I need added coverage for expensive stereo equipment?
- Does medical payments coverage apply to all occupants?
- When do I need to add a new car to my policy?
- What is the difference between comprehensive and collision coverage?
If you’re not sure about those questions but a few of them apply, you may need to chat with an agent.
Car Insurance from New Orleans insurance agents
Agents are trained to spot inefficiencies and give you someone to call. One of the great benefits of comparing rates online is that you can obtain lower rates but also keep your business local.
After completing this short form, your insurance coverage information is transmitted to local insurance agents who will return price quotes for your coverage. You won’t need to drive around since price quotes are sent directly to your email. Now that’s easy!
Selecting an auto insurance agent shouldn’t rely on just the bottom line cost. Here are some questions to ask:
- Are claims handled at the agent’s location?
- If you have an accident, will your rates go up?
- Is the agent and/or agency licensed to do business in your state?
- How much will you save each year by using a higher deductible?
- What is the agency’s Better Business Bureau rating?
- Is assistance available after office hours?
- How are claims handled?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
Captive agents vs. Independent agents
When finding a good insurance agency, there are a couple of types of insurance agents from which to choose. Agencies in New Orleans are categorized either independent (non-captive) or captive. Either one can do a good job, but it’s worth learning the difference between them because it can impact your agent selection.
Captive agencies write business for a single company like Farmers Insurance, American Family, State Farm and Allstate. They are unable to place coverage with different providers so keep that in mind. They are well schooled on their products and sales techniques and that can be a competitive advantage.
Shown below is a short list of captive agents in New Orleans willing to provide comparison quotes.
State Farm Insurance – 4944 Bullard Ave # A – New Orleans, LA 70128 – (504) 241-4444
Allstate Insurance – 5163 General Degaulle Dr # D – New Orleans, LA 70131 – (504) 392-3577
Independent agents are not employed by any specific company so they can insure your vehicles amongst many companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency.
When shopping rates, we recommend you include price quotes from at least one independent agent for maximum quote selection.
Below are independent insurance agencies in New Orleans that can give you price quotes.
Farrell Insurance – 210 Baronne St # 1416 – New Orleans, LA 70112 – (504) 529-2361
Scheinuk Agency Inc – 7927 Maple St – New Orleans, LA 70118 – (504) 866-1221
Martin General Agency – 715 N Saint Patrick St – New Orleans, LA 70119 – (504) 484-6871
ABC Insurance – 4006 Canal St – New Orleans, LA 70119 – (504) 486-0777
To view a complete directory of licensed insurance agents in New Orleans, go to this page.
After getting acceptable answers to any questions you have and an affordable coverage quote, you’ve probably found a car insurance agent that is a good match to properly insure your vehicles.
Compare but don’t skimp
Consumers who switch companies do it for a variety of reasons including unfair underwriting practices, delays in paying claims, poor customer service or policy cancellation. Whatever your reason, choosing a new insurance company is easier than you think.
As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice liability limits or collision coverage only to regret they didn’t purchase enough coverage. The aim is to buy enough coverage at the best price while not skimping on critical coverages.