Joel D Howard Agency

Tips for Finding an Agent

• Do not rely on yellow page ads
• If the agent is too busy to sit down with you, find a different agent
• Independent agents generally work with more companies than captive agents
• Captive agents only work for one company
• Ask for their license number and if they balk, find a new agent

Insurance Buying Tip

Consider packaging your home and auto coverage together to get a multi-policy discount. Many insurance companies in Pelham give a discount up to 25% when you combine your policies with the same company. Call Joel D Howard Agency at (205) 733-0030 or go to their location in Pelham to get an insurance review.

Frequently Asked Questions

• How can I find an agent in Pelham?
• Should I raise my deductibles?
• What are minimum liability requirements in Alabama?
• What should my deductibles be?
• What is the difference between comprehensive and collision coverage?