Buying your own auto insurance for the first time can be overwhelming, especially with all the options available. Digital tools and online quote generators give you easy access to prices, but getting the quality and amount of coverage you need often depends on the insurance company you choose. When meeting with agents, the following questions will help ensure you get the policy that’s right for you.

What to Ask Prospective Insurance Agents

1. How Long Have You Been in Business?

The insurance industry is complex, so you’ll almost always be better off with an agent with several years of experience. Agents who’ve been around for a while will know how to evaluate your coverage needs, explain all of your options, and help you get every discount you qualify for. They’ll also have an established reputation in the community, giving you an idea of the level of service they usually provide.

2. Are You an Independent Agent?

Captive insurance agents only sell policies from a single carrier and might have incentives to push products that may not be suited for your needs. Independent insurance companies, on the other hand, can write policies from several different insurers. With so many products to choose from, they can offer you a policy tailored to your situation at the best price available.

3. Do You Help Clients File a Claim?

If you’re involved in an accident or your car is damaged by a storm, having an experienced agent guide you through filing a claim will reduce the stress and streamline the process. The best insurance companies make themselves available to their clients and will even work with your carrier to ensure your claim is handled quickly and painlessly.

With 30 years of combined experience, the agents at Southern Insurance AL, LLC are dedicated to providing Foley, AL, drivers with insurance that goes the extra mile. They work with some of the best insurance companies in the industry and have the expertise to protect you against the unexpected. Visit their website for more on their auto insurance services, follow their Facebook for tips and advice, or call (251) 943-3340 to request a quote.