Consumer Information for Finding a Birmingham, AL Car Insurance Agent

Selecting a car insurance company in Birmingham, AL can be time consuming since there are a lot of options and finding the best Alabama insurance agent is not as easy as just calling the closest agent. Consumers require a decent agent, but also need cheap rates.

Insurance companies such as Allstate, Progressive and GEICO all claim big savings with ad campaigns and it is challenging if not impossible to separate fact from fiction and take the time to shop coverage around.

Price shop online but buy from a local Birmingham agent

Good agents can help determine the best coverages and help file insurance claims. The biggest benefit of comparing insurance prices online is you can get better rates but still work with a licensed agent.

To make it easy to find an agent, after completing this quick form, the coverage information is submitted to local insurance agents in Birmingham who will return price quotes for your coverage. You won’t need to leave your computer as quotes are delivered to the email address you provide. How cool is that?! You can find better rates and an insurance agent to talk to.

Selecting an insurance agent should depend on more than just a low price. Any agent should be forthright in answering these questions:

  • Will your rates increase after a single accident?
  • How are they compensated?
  • What insurance company do they write the most business with?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Is the agent and/or agency licensed to do business in Alabama?
  • Do the coverages you’re quoting properly cover your vehicle?

Listed below is a list of insurance agents in Birmingham that can give you price quote information.

Dixon Moore Agency – 9340 Helena Rd, Birmingham, AL 35244 – (205) 402-2181
Allstate Insurance – 48 Manning Pl, Birmingham, AL 35242 – (205) 980-6113
Brooks Insurance – 1275 Center Point Pkwy # 200, Birmingham, AL 35215 – (205) 856-3563
Farmers Insurance Group – 2358 Old Springville Rd, Birmingham, AL 35215 – (205) 854-2612
Crown Insurance – 11 23rd Ave NW, Birmingham, AL 35215 – (205) 856-9811
Liberty Mutual Insurance – 1200 Corporate Dr, Birmingham, AL 35242 – (205) 995-9883

Once you have acceptable answers to all your questions and locked in a price quote, you’ve probably found an auto insurance agent that is a good match to adequately provide car insurance.

Include online companies when price shopping

Auto insurance agents are perfect for certain consumers, but Alabama car insurance can also be bought from online companies direct. Some companies who sell through the agent channel also give you the ability to buy direct online, so keep that in mind if the lowest rate is your goal.

If you’re worried about choosing your own coverages when buying direct, that shouldn’t be an issue. Insurance companies that require consumers to choose their own coverages provide customer service for getting questions answered. Consumers also can use live chat and online tools that can help answer basic questions.

Will auto insurance cost less online? The answer is complex because there are so many things that are calculated into your premium. Some people think that a shopper who purchases direct saves the commission normally paid to an agent. In many cases, there are high advertising and marketing costs so the rates may be similar to buying from an agent.

Online resources for education

Additional detailed information is available at the Alabama Department of Insurance website. Alabama drivers can find out which companies have the most complaints, view a list of available companies, get help finding coverage, and file complaints about a company.

Other related articles:

The best insurance company isn’t always the cheapest

As you go through the steps to switch your coverage, never buy poor coverage just to save money. In many cases, consumers will sacrifice liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

Cheaper car insurance can be purchased both online and with local Birmingham insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.