Finding the right car insurance can be tough. We reduce the hassle by researching and reviewing the best car insurance providers in the U.S., and today we’re focusing on USAgencies Insurance.
In this review of USAgencies, we examine the benefits and drawbacks of purchasing car insurance through a broker like USAgencies and help you make the best choice for your needs. We recommend getting auto insurance quotes from several providers so you can compare your own costs and coverage.
USAgencies Insurance Review: 3.7 Stars
We rate USAgencies 3.7 out of 5.0 stars because the provider has great industry standing, but is lacking in availability. USAgencies insurance is still a good choice for those who want to avoid the hassle of finding the best price for auto insurance on their own.
Considering the high number of insurance providers in Alabama and Louisiana, as well as the large number of factors that can impact premiums, USAgencies eliminates what could be hours of personal research.
USAgencies Insurance Customer Reviews
USAgencies only has three reviews on the BBB website, all relating to problems with customer service. While these complaints are directed toward USAgencies, they largely concern the insurance policies themselves. Most customer complaints have been directly addressed by USAgencies insurance representatives.
USAgencies Overview
USAgencies is a privately owned insurance broker that has operated in Alabama and Louisiana for more than 20 years. As a broker, USAgencies is not affiliated with any particular insurance company and instead works with customers to find the best prices and policies to fit individual needs.
The company operates a total of 83 offices throughout Alabama and Louisiana and works with several renters and auto insurance providers to find coverage deals. Today, the company is owned by Confie, a nationwide personal lines insurance agency.
USAgencies is not accredited by the BBB, where it currently holds an A+ rating. It is a reliable company focused on helping clients find cheap auto insurance. It also works with hard-to-insure drivers (such as those with DUIs/DWIs).
USAgencies Insurance Coverage
USAgencies can help you find whichever type of coverage you need, be it your state minimum coverage requirements or more comprehensive coverage. With USAgencies insurance, you can get:
- Liability insurance
- Collision insurance
- Comprehensive insurance
- Medical payments (MedPay)
- Personal injury protection (PIP)
- Uninsured/underinsured motorist coverage
Additionally, the agency offers renters insurance, non-owner car insurance, and other specialized policies, including:
- Roadside assistance
- Windshield repair
- Telemedicine
- Hospital indemnity
- Accidental death and dismemberment (AD&D)
Most of these specialized policies are of dubious value to the consumer, telemedicine in particular. The telemedicine policy provides access to a physician’s phone service and a coupon book for prescriptions and, bafflingly, theme park tickets.
That USAgencies offers such policies at all is an indicator that USAgencies insurance agents might try to convince you to purchase low-value add-ons to your policy. Of course, you’re free to reject such offers.
USAgencies Insurance Cost And Discounts
According to our research, drivers in Alabama and Louisiana pay $1,693 and $3,260 respectively for full-coverage car insurance. Car insurance in Alabama is below the national average of $1,968, while Louisiana car insurance is quite a bit higher. This is because Louisiana residents frequently make expensive auto insurance claims, raising the premium average for the entire state.
These estimates are for a single, 30-year-old male with good credit and a clean driving record who drives a 2020 Honda CR-V.
How much you pay for car insurance varies from company to company. Rates with USAgencies can depend on a large number of factors, including:
- Location
- Driving record
- Vehicle make and model
- Age
- Gender
- Marital status
- Credit score
USAgencies Car Insurance Discounts
A USAgencies insurance specialist will work with your particular driver profile to find what discounts are available to you. Common discounts from insurance companies include:
- Multi-policy discount: Applies if you bundle insurance with other products and services the company offers
- Multi-vehicle discount: Applies if you purchase coverage for multiple cars
- Safe drive discount: Applies if you have a clean driving record
- Auto-payment discount: Applies if you set up an automatic payment plan
- Paperless discount: Applies if you receive online statements
- Safety discount: Applies if you drive a car with anti-theft or safety features
- Military discount: Applies if you serve in the U.S. military
- Student discount: Applies if you are enrolled as a full-time student
- Defensive driving discount: Applies if you complete a defensive driving course
Because of the many factors that impact premiums, a customer might find value in using a brokerage like USAgencies.
USAgencies Claims
Because USAgencies is an insurance broker and not a provider, you’ll handle claims by contacting your insurance company directly.
The process for doing so varies. However, a USAgencies insurance representative will help you file claims if you contact your brokerage agent directly. At the very least, your agent will be familiar with your policy and can point you in the right direction.
USAgencies Car Insurance: Our Take
In this review, we rated USAgencies insurance based on cost, coverage, reputation and more. We rated it 3.7 stars out of 5.0 because of its great industry standing and limited service area. Below are some of its top competitors:
Top Recommendations For Car Insurance
While USAgencies isn’t a bad place to start your car insurance journey, we recommend comparing the options it provides with auto insurance quotes directly from providers.
Use the tool below to compare free quotes from providers available in your state:
USAA: Best For Military Members
We highly recommend USAA car insurance because it has high customer service ratings and affordable average premiums.
It’s important to note, however, that USAA is only offered to military members and their families. USAA has many discounts for service members in particular, including a discount for garaging your vehicle on a military base.
For more information, check out our full USAA insurance review.
Progressive: Best For Usage-Based Insurance
For high-risk drivers, we recommend Progressive car insurance, which tends to offer lower premiums than Geico for drivers with a DUI or DWI on record.
Progressive offers a highly rated usage-based insurance program that rewards safe drivers with discounts. It also has an in-house quote comparison tool that can aid your search, and offers a variety of coverage, including rideshare insurance and custom parts and equipment value coverage.
For more information, check out our full Progressive insurance review.
USAgencies Insurance: FAQ
Below are some frequently asked questions about USAgencies Insurance:
How We Rate Auto Insurers
Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
- Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.
*Data accurate at time of publication.
Alice J. Roden started working for Trending Insurance News at the end of 2021. Alice grew up in Salt Lake City, UT. A writer with a vast insurance industry background Alice has help with several of the biggest insurance companies. Before joining Trending Insurance News, Alice briefly worked as a freelance journalist for several radio stations. She covers home, renters and other property insurance stories.