USAgencies Car Insurance Review [2024]: Auto Coverage in Alabama and Louisiana

For drivers in Alabama or Louisiana, USAgencies is an insurance broker that connects you with vetted car insurance companies for your area. Typically I recommend drivers to request quotes and discounts directly with a car insurance company, but since Louisiana is the most expensive car insurance state according to Insure and not all companies cover the area, a specialized broker can be helpful. Use USAgencies for your initial research but also realize that any quotes from USAgencies might be higher than what the insurance provider charges.

The company says it saves drivers up to 25% according to a Q3 2020 study of USAgencies customers who reported saving when they switched. But does it really save you money and how do the coverage options and customer experience compare with major insurance providers?

In this USAgencies car insurance review, you’ll learn about how this insurance agency works, what they offer, and how to get a free quote on an auto insurance policy. This will help you understand whether USAgencies would align with your coverage needs, budget, and lifestyle.

How we evaluate products

To best review USAgencies Car Insurance, I requested quotes directly from the company, both with an Alabama and Louisiana zip code. Additionally, I compared USAgencies offerings, costs, and discounts to top car insurance companies available nationwide, including Geico and Progressive. Here are more of the findings in full:

• Insurance offerings: USAgencies connects individuals to car and renter’s insurance. This is quite a small offering compared to larger companies. Both Geico and Progressive offer car insurance along with homeowners insurance, pet insurance, life insurance, business insurance, and more.
• Cost and discounts: USAgencies was more expensive than Geico in a one-on-one comparison quote. While discounts were mentioned on their site, USAgencies was not as upfront about how much drivers could save with each discount. Both Geico and Progressive clearly lay out the percentage drivers can expect for each discount.
• Ratings: USAgencies has very few reviews on the Better Business Bureau’s (BBB) website, and is rated two-stars. The BBB gave the company an A+ rating. USAgencies is not rated by J.D. Power or AM Best, both which are standard in the insurance industry.

USAgencies pros and cons

Who is USAgencies a good option for?

USAgencies is an insurance broker that specializes in providing low-cost auto insurance. Even drivers considered to be high-risk because of past accidents or violations could potentially be eligible for a policy through USAgencies. USAgencies can also help individuals without U.S. driver’s licenses, such as those with an international or foreign drivers license, to get insured.

If you live in Alabama or Louisiana and have had difficulty securing an insurance plan through other companies, USAgencies could be a good fit.

Types of coverage	Liability Collision Comprehensive Roadside assistance Windshield repair Non-owner car insurance SR-22
Discounts available	Bundling Autopay Military Good student Good driver Anti-theft devices Low mileage
Where you can use it	Online and at over 80 office locations
Customer support	Phone: 844-209-3458 Accounts payable: accountspayable@confie.com
Availability	Only available in Alabama and Louisiana

What insurance does USAgencies offer?

Even though car insurance coverage is limited at USAgencies, getting a full coverage policy through the insurer is possible. USAgencies offers multiple types of insurance and services but focuses on affordable car insurance. USAgencies offers these different car insurance types:

How much does USAgencies Insurance cost?

Since I do not live in either Alabama or Louisiana, I requested a quote as a single 42-year-old male wanting to insure a 2020 Acura ILX. I answered that I did not have any driving violations, I commuted for work at about 8,000 to 15,000 miles per year, and qualified for discounts as a homeowner and having a locked garage. Here were my results:

• For a 71446 zip code, I was matched with Freeway Insurance at $92 to $260 per month.
• For a 35005 zip code, I was matched with Freeway Insurance at $33 to $191 per month, as well as Bristol West Insurance Group for $787.54 per month.

While I appreciated the quickness of the quote and the simplicity of the intake form, the actual quote is not as detailed as you get from other car insurance companies. It did not break down what the coverage was for and what you will actually pay. Being given a wide range of $33 to $191 is a yearly difference of $1,896 and makes it hard to shop for car insurance on a tight budget.

Compare this with requesting a quote from Geico for the same scenario above at a 71446 zip code. The in-take form is three-times as long, but Geico provided a more accurate quote of $44.39 per month. It also showed a breakdown of the coverage, with an option to edit it to include higher coverage. Plus, it was over $47 cheaper per month to go with Geico than to sign up with the lowest range that Freeway Insurance offered.

How to find discounts with USAgencies

If you want to get the best bang for your buck on a new car insurance policy, ask a USAgencies agent what kinds of insurance discounts they offer. The USAgencies website mentions multiple common discounts, but it is not clear how much each discount can save you. Expect savings for the following:

Discount type	How to get it
Anti-theft device discount	Vehicles with anti-theft devices may be eligible for a premium reduction.
Low mileage	You may be able to get a discount on your car insurance if you don’t drive your car often and the mileage remains low
Military members	USAgencies offers discounts for active military members and veterans
Good driver discount	Discount based on how long you’ve been driving and your driving history
Good student discount	Be in high school or college with a 3.0 average or higher
Auto pay	If you set up automatic payments for your car insurance premiums, you may get a discount on the cost
Multi-car	Have more than one vehicle insured with USAgencies
Bundling discount	Use USAgencies for renter’s insurance for an additional discount

How to maximize savings

Car insurance can get expensive for high-risk drivers. Although USAgencies believe in providing Alabama and Louisiana drivers with good, cheap car insurance, there are some things you can do to maximize your savings, such as:

• Improve your credit score: Your credit score is one of the factors that affect car insurance rates. Insurance companies use your credit score to determine your level of risk. The higher your risk, the more you’ll have to pay for car insurance. Drivers with low credit scores are considered to have a higher risk of filing a claim, so they will have to pay more for car insurance. If you improve your credit score, you may get a better rate on your car insurance when you renew your policy.
• Increase your deductible: A deductible is the amount you must pay out of pocket before your car insurance kicks in. If you can afford to increase your deductible, you can decrease the cost of your car insurance premiums.
• Change the car you drive: The make and model of the vehicle you drive also impact what you have to pay for car insurance. You’ll most likely have to pay a higher premium for a new car or a sports car than a modest used car. Driving a car model prone to being stolen will also increase your car insurance premiums.

How to get an insurance quote from USAgencies car insurance

When looking at how to get car insurance from USAgencies, you can start the quote process online at the USAgencies website, but the system won’t give you an idea of the cost of your car insurance premium. You will get a quote range, which can vary drastically. This isn’t ideal for comparing car insurance companies.

If you use USAgencies, expect to follow up with an agent over the phone to get a personalized quote with one of its partner companies. You might also need to provide more information. The online form asks you the following:

• Personal information: Your gender, full name, email address, phone number, street address, zip code, city, state, and whether you’re currently insured.
• Vehicle information: Information for each vehicle on the policy. This includes your vehicle’s year, make, model, estimated annual mileage, and VIN number. You’ll also need to state the ownership status (owned, financed, leased, or non-owner) and what the vehicle is used for, whether it’s work/school, pleasure, or something else.
• Driver information: Information for each driver on the policy. This includes full name, date of birth, years of driving experience, marital status, and number of driving incidents in the past three years. You’ll also need to state whether you currently have a driver’s license, if you require an SR-22, and if you’re the registered owner of the vehicle you’re looking to insure. If you have a driver’s license, you’ll need to provide the license number.

When you talk with an agent, you might be asked more in-depth questions about your driving history and verification for discounts.

FAQs

Bottom line

USAgencies Insurance Company is worth checking out if you are having difficulty getting coverage in Alabama or Louisiana. While the site boasts that drivers save up to 25% when they switch to USAgencies, I did not see that to be true in the one-to-one comparison with popular insurance company, Geico.

Start your search with USAgencies if you wish, but don’t forget to get direct quotes from other insurance companies, even if the online forms take longer to fill out.