When shopping for auto insurance, there are a lot of options and picking a good North Carolina insurance agent is more difficult than just randomly choosing from the yellow pages. You require an excellent agent, and also want to find the best auto insurance prices in Greensboro.
Because there are so many insurance companies to choose from, it can be diffult for consumers to choose the lowest price insurer.
Quote online, buy local
Educated insurance agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of getting online price quotes is that you can obtain lower rates but still work with a licensed agent.
By using this simple form, your coverage information is transmitted to participating agents in Greensboro who will compete for your coverage. There is no need to visit any agencies as quotes are delivered to the email address you provide. It doesn’t get any easier! Get lower rates and work with a local agent.
Deciding on a car insurance agent requires more thought than just a low price. Ask your prospective agent these questions:
- Can they provide you with a list of referrals?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- How much will you save each year by using a higher deductible?
- What insurance companies do they work with?
- Will your rates increase after a single accident?
Is a captive or independent car insurance agent right for you?
When finding a reliable agent, there are a couple of types of insurance agents from which to choose. Agencies in Greensboro can either be independent (non-captive) or captive.
Agency Captives
This type of agents can only write with one company and examples are Liberty Mutual, State Farm, Allstate and AAA. These agents are not able to shop your coverage around so they are skilled at selling on more than just price. They receive extensive training on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers frequently buy insurance from these agents mostly because of loyalty to the company and the convenience of having all coverages with one company.
Shown below is a short list of captive agencies in Greensboro who can help you get price quotes.
- State Farm Insurance – 4133 Spring Garden St – Greensboro, NC 27407 – (336) 294-4341
- Liberty Mutual Insurance – 7015 Albert Pick Rd – Greensboro, NC 27409 – (336) 668-2389
- Allstate Insurance Co – 3411 W Wendover Ave – Greensboro, NC 27407 – (336) 292-0507
- Farm Bureau Insurance – 1400 Battleground Ave # 217 – Greensboro, NC 27408 – (336) 273-3944
Independent Agents (or Brokers)
These agents are not required to write business for one company so they have the ability to put coverage with any number of different companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent.
When comparison shopping, we recommend you include price quotes from several independent insurance agents for the best price selection. They often place coverage with lesser-known insurance companies which can be an advantage.
Listed below is a list of independent insurance agents in Greensboro willing to provide price quote information.
- Southeastern Agency Group Inc – 1501 Highwoods Blvd # 102 – Greensboro, NC 27410 – (336) 218-7470
- Craft Insurance – 823 N Elm St – Greensboro, NC 27401 – (336) 375-0600
- Harleysville Insurance Co – 3 Centerview Dr – Greensboro, NC 27407 – (336) 852-4800
- John A Peterson Agency – 3027 Randleman Rd # E – Greensboro, NC 27406 – (336) 274-8166
- Direct General Ins Agency – 1011 Rotherwood Rd – Greensboro, NC 27406 – (336) 379-8588
To view a full list of Greensboro insurance agents, view this link.
After getting satisfactory answers and an acceptable price quote, you’ve probably found an auto insurance agent that can service your policy.
Your personal situation dictates your coverage
When buying adequate coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.
For instance, these questions can help discover whether you would benefit from professional advice.
- Why am I be forced to buy a membership to get insurance from some companies?
- Should I sign the liability waiver when renting a car?
- Do I pay less if my vehicle is kept in my garage?
- Should I file a claim if it’s only slightly more than my deductible?
- Where can I get insurance after a DUI in North Carolina?
- Do I need added coverage for expensive stereo equipment?
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent.
Is buying direct online an option?
Auto insurance agents serve a purpose, but you also have the option of buying North Carolina car insurance directly from online companies. Some specific companies like State Farm and Allstate that sell primarily through agents also allow consumers to buy direct on their websites, and online price comparisons are easy if you are the do-it-yourself type.
If you’re uneasy about not getting advice from an agent when buying direct, this is normal but is quickly overcome. Online insurance companies that require consumers to choose their own coverages all have client service departments for getting questions answered.
Can buying online lower your premiums? Many people think so, but it’s hard to say for sure since there are so many components that influence your rates. It’s a common assumption that buying car insurance online saves by not paying a commission. But that assumption is generally incorrect because advertising and marketing take a lot of money and this tends to eat up any savings.
One last thing about your coverage
Consumers leave their current company for a variety of reasons including high rates after DUI convictions, unfair underwriting practices, high prices or not issuing a premium refund. Regardless of your reason for switching companies, finding a new company is pretty simple and you could end up saving a buck or two.
Cost effective auto insurance can be found online and also from your neighborhood Greensboro agents, and you should compare price quotes from both so you have a total pricing picture. Some companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
Additional detailed information can be read at the North Carolina Department of Insurance website. Consumers can file complaints about an insurance agent or broker, learn about insurance regulations, and learn about specific coverages.
