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Best Local Car Insurance Agencies in Albany

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Dale Hodges Agency, LLC logo
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License Verified:

License: 95906

Office of Commissioner of Insurance and Safety Fire

Dale Hodges Agency, LLC

2734 Ledo Road, Albany, GA 31707
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  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Business Description

Dale Hodges Agency, LLC, is an independent insurance agency serving Albany and other locations. It offers different options for car insurance such as collision and comprehensive coverage to protect against theft or physical damage, liability coverage for losses due to property damage or physical injury, and roadside assistance. Its vehicle insurance extends to RVs, motorcycles, boats, trailers, and other recreational vehicles. Dale Hodges Agency, LLC, offers a full line of business, life, and home insurance, delivering its service with honesty, integrity, and character.

License Verified:

License: 95906

Office of Commissioner of Insurance and Safety Fire

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Griffin & Company Insurance - Albany logo
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License Verified:

License: 171796

Office of Commissioner of Insurance and Safety Fire

Griffin & Company Insurance - Albany

2543 Lafayette Plaza Drive, Albany, GA 31707
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Business Description

With the belief of approaching clients as partners and not vendors, Griffin & Company Insurance has been building long-term relationships with policyholders through their insurance services. Serving Albany and Decatur, the company offers financial protection for vehicle owners and their assets via its auto insurance policies. The agency offers coverage for bodily injuries, medical payments, and physical damage in the event of accidents or collisions. Coverage for uninsured or underinsured motorists is also provided by Griffin & Company Insurance.

License Verified:

License: 171796

Office of Commissioner of Insurance and Safety Fire

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Facebook
4.3 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Lawrence​ Brown Insurance Agency logo
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Lawrence​ Brown Insurance Agency

2537 Lafayette Plaza Drive, Albany, GA 31707
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  • Multiple Carriers

Business Description

Established in 2013, the Lawrence Brown Insurance Agency is an independent auto insurance agency that services Albany and other areas of Georgia. Using its online rating program, the agency helps its customers find the perfect insurance deal by providing them with the top three auto insurance quotes based on their driving history, their vehicle, and the coverage that they require. The agency also offers other insurance coverage including commercial auto and trucks, homeowners, and commercial property insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.4 / 5 (9)
Ricky D Jackson Insurance Agency logo
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License Verified:

License: 644742

Office of Commissioner of Insurance and Safety Fire

Ricky D Jackson Insurance Agency

2418 Sylvester Rd # 4, Albany, GA 31705
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  • Bundling Option

Business Description

Ricky D Jackson Insurance Agency is an Albany-based business that handles various lines of protection, including auto insurance. Ricky D. writes car insurance policies that may include collision, comprehensive, medical payments, physical damage and liability, uninsured/under-insured motorist, and loan gap coverage. He also insures ATVs and RVs. Ricky D. has been serving the industry since 2003 and also offers other insurance solutions such as life, home, health, business, and general liability insurance.

License Verified:

License: 644742

Office of Commissioner of Insurance and Safety Fire

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Short Insurance Group logo
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Short Insurance Group

121 North Westover Boulevard, Albany, GA 31707
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  • Multiple Carriers
  • Motorcyle & ATV

Business Description

Short Insurance Group is an auto insurance company that serves clients in and around Albany. Founded in 1978, the agency provides each client with a direct contact number for its agents. It compares different policy rates and quotes from over 15 carriers, including Auto-Owners and Northland Insurance. It also examines the client's vehicle and driving history to get possible deductibles for collision and accident compensation. Short Insurance Group prioritizes insurance certification, either in hand or online.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Tim Thomas logo
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License Verified:

License: 520048

Office of Commissioner of Insurance and Safety Fire

Tim Thomas

1800 North Slappey Boulevard, Albany, GA 31701
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  • Bundling Option

Business Description

Tim Thomas is a State Farm insurance agent based in Albany. He helps his clients acquire car insurance with different coverage options, including collision, rental, rideshare, and comprehensive insurance. The agent also assists clients in obtaining more niche auto insurance coverage, like for a classic or antique car. Tim Thomas is currently the president of the Kiwanis Club of Dougherty County and Lee County Chamber of Commerce chairman. His work with State Farm has a strong focus on helping clients achieve their lifelong dreams.

License Verified:

License: 520048

Office of Commissioner of Insurance and Safety Fire

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.6 / 5 (25)
Facebook
4.8 / 5 (13)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Toole Budget Insurance Agency, Inc. logo
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Toole Budget Insurance Agency, Inc.

1301 North Slappey Boulevard, Albany, GA 31701
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  • Bundling Option

Business Description

Toole Budget Insurance Agency, Inc., is a car insurance agency based in Albany. Its agents provide assistance to clients in need of the right auto insurance coverage, no matter their age, credit record, driving history, or type of vehicle. Toole Budget Insurance Agency has been in service for more than 16 years, hiring local insurance agents who focus on building not just a business-customer connection, but a friend-for-life commitment with clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.2 / 5 (32)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Wilson Insurance logo
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License Verified:

License: 71229

Office of Commissioner of Insurance and Safety Fire

Wilson Insurance

2218 Palmyra Road, Albany, GA 31701
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  • RV & Motorhome
  • Motorcyle & ATV

Business Description

For the past four decades, Wilson Insurance has been serving the insurance needs of individuals and businesses in Albany and surrounding communities. Established in 1978, the family-owned business guides car owners and drivers in insuring their vehicles with an auto insurance policy. Its independent insurance agents represent several carriers and select the best auto policy that fits their client's needs and resources. They specialize in automobile insurance, recreational vehicle insurance, and mobile home policies. Other offerings include homeowners insurance, title bonds, and small business insurance.

License Verified:

License: 71229

Office of Commissioner of Insurance and Safety Fire

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.2 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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